KR20080052792A - Wireless banking service provision system for corporate employees - Google Patents

Abstract

A system for providing a mobile banking service dedicated for officers/employees of an enterprise and a program recording medium thereof are provided to process banking services based on authentication when officers/employees of the enterprise use the banking services by using a mobile work-site VM(Virtual Machine) dedicated for the enterprise, thereby increasing invitation of enterprise customers and the number of mobile banking users. A program provider(355) provides a mobile banking program customized to an enterprise to a mobile terminal of officers/employees belonging to the enterprise. A service provider provides a mobile banking service requested from the officers/employees through officer/employee authentication when the mobile terminal of the officers/employees requests the mobile banking service by using the customized mobile banking program. The service provider provides salary account inquiry and transfer services of the officers/employees, or a loan service to the officers/employees. The customized mobile banking program includes more than one customized service requested from the enterprise. The service provider provides the customized service by linking with the customized mobile banking program installed in the mobile terminal of the officers/employees.

Description

System for Providing Mobile Banking Service for Officers and Staffs in Enterprise and Program Recording Medium}

1 is a diagram illustrating an information registration system for providing a company-specific customized wireless banking service according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for providing a company-specific customized wireless banking service according to an embodiment of the present invention.

3 is a diagram illustrating a program providing system for downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a program providing system for downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to another exemplary embodiment of the present invention.

7 is a diagram illustrating the configuration of a wireless terminal function for providing a corporate banking service and a corporate personalized service according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a configuration of an enterprise customized wireless banking system for providing an enterprise employee wireless banking service and an enterprise customized service according to an exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating an employee certification process for providing a wireless banking service and a customized service for an enterprise employee according to an exemplary embodiment of the present invention.

10A and 10B illustrate a wireless banking process for corporate employees according to an exemplary embodiment of the present invention.

11A and 11B illustrate a wireless banking process for corporate employees according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a loan process for setting salaries of corporate employees as collateral according to an embodiment of the present invention.

13 is a diagram illustrating a payday loan settlement process according to an embodiment of the present invention.

14 illustrates a process of providing a personalized service through a wireless banking program according to an exemplary embodiment of the present invention.

15A and 15B illustrate a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

16 illustrates a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

17 is a diagram illustrating an information registration process for providing a personalized service through a wireless banking program according to an embodiment of the present invention.

FIG. 18 is a diagram illustrating a configuration of an enterprise customized wireless banking system for providing an enterprise employee wireless banking service and an enterprise customized service according to another exemplary embodiment of the present invention.

FIG. 19 is a diagram illustrating an employee certification process for providing a wireless banking service and a customized service for an enterprise employee according to an exemplary embodiment of the present invention.

20A and 20B are diagrams illustrating a wireless banking process for corporate employees according to an exemplary embodiment of the present invention.

21A and 21B illustrate a wireless banking process for corporate employees according to another exemplary embodiment of the present invention.

22A and 22B illustrate a loan process for setting salaries of corporate employees as collateral according to an embodiment of the present invention.

23 is a diagram illustrating a payday loan settlement process according to an embodiment of the present invention.

24 illustrates a process of providing a business customization service through a wireless banking program according to an embodiment of the present invention.

25A and 25B illustrate a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

26 illustrates a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

27 is a diagram illustrating an information registration process for providing a personalized service through a wireless banking program according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: program production information D / B

130: corporate terminal

The present invention, when using the banking services of corporate employees using a mobile Work-Site VM dedicated to a specific company, by processing the banking services, such as payroll check / loan application through the company employee authentication, increase the rate of attracting corporate customers, using our mobile banking The present invention relates to a system for providing a wireless banking service exclusively for corporate employees to increase the number of customers.

With the development of information and communication technology and the expansion of related infrastructure, various types of wireless application services are provided using a wireless communication network and a wireless terminal. However, since the wireless application service is based on paid communication, unlike a conventional wired application service, a profit model is provided. It is not activated in this uncertain field.

One of the areas where the wireless application service has not been activated is an enterprise related wireless application service, which is an enterprise related wireless service through a limited wireless interface based on paid communication, although the wireless application service has an advantage of providing mobility. There is no cost and efficiency advantage in providing application services.

The purpose of the present invention for solving the above problems, when using the banking services of corporate employees using a mobile Work-Site VM dedicated to a specific company, by processing the banking services such as payroll account inquiry / loan application through the company employee authentication, corporate customers It is to provide a system for providing a wireless banking service exclusively for corporate employees to increase the rate of acquisition and increase the number of customers using our mobile banking.

Wireless banking service providing system dedicated to corporate employees according to the present invention, a program providing means for providing a specific wireless corporate banking program specific to the specific corporate employee wireless terminal and the specific wireless corporate banking program specific to the specific corporate employee wireless terminal When a predetermined wireless banking service request through, characterized in that it comprises a service providing means for providing the requested wireless banking service through the authentication of the employee of the particular company.

According to the present invention, the service providing means is characterized in that to provide a payroll account inquiry and transfer processing services of the specific company employees, or provide a loan processing service of the specific company employees.

According to the present invention, the specific enterprise-specific customized wireless banking program, characterized in that it comprises at least one or more enterprise-specific service functions requested by the company, the service providing means is installed in the employee wireless terminal of the specific company In connection with a specific wireless banking program dedicated to a specific company, characterized in that to provide at least one or more customized service requested by the specific company.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the function of the above-described wireless banking service providing system configuration dedicated to corporate employees.

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

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

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

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

1 is a diagram illustrating an information registration system for providing a company-specific customized wireless banking service according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined corporate terminal 130 provides a predetermined network means to provide business cooperation and information between the enterprise and a financial institution that provides the wireless banking service to provide the customized wireless banking service. When accessing the server on the wireless banking system to provide banking function information, corporate customized menu information and employee authentication method information, the server provides the banking function information, corporate customized menu information and employee authentication method provided from the corporate terminal 130 in the server As an information registration system for storing information by linking and storing the information in the program production information D / B (125) provided on the wireless banking system, those skilled in the art to which the present invention belongs, Information for providing the customized wireless banking service dedicated to the enterprise by referring to and / or modifying 1 Various implementation methods for the registration system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least for storing the banking function information, the company customized menu information, and the employee authentication method information provided from the corporate terminal 130 on the information registration system shown in FIG. 1 in the program production information D / B 125. Components corresponding to one or more means and / or functional configurations are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for providing an enterprise-specific customized wireless banking service according to the present invention includes at least one enterprise terminal 130 connected to a predetermined network means, and the enterprise Program production information D / B 125 for linking and storing banking function information transmitted from the terminal 130, corporate customized menu information, and employee authentication method information, and the corporate terminal 130 through a predetermined network means. And an information registration server 100 connected to receive the banking function information, the company customized menu information, and the employee authentication method information transmitted through the network means, and store the information by cooperatively processing the program production information D / B 125. Characterized in that made.

The enterprise terminal 130 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network (or HSDPA) based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 and / or a code division multiple access (CDMA) system. A mobile communication terminal connected to a High Speed Downlink Packet Access (Mobile Speed Network) -based mobile communication network, and / or a mobile Internet terminal connected to an IEEE 802.16x-based high-speed wireless Internet, and / or an IEEE 802.11x-based wireless LAN network. And at least one or more wireless terminals including at least one WLAN terminal, and the enterprise terminal 130 includes the information. A function for outputting at least one information registration interface screen provided by the lock server 100, and inputting and / or selecting at least one information through the information registration interface screen to transmit the information registration server 100 to the information registration server 100. (E.g., a browser program and a communication function) is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the enterprise terminal 130 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Is omitted for convenience.

When the corporate terminal 130 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP-based wired communication network, and when the corporate terminal 130 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The program production information D / B 125 provided on the wireless banking system according to the present invention stores and stores banking function information transmitted from the corporate terminal 130, corporate customized menu information, and employee authentication method information in association. It is characterized by.

Here, the banking function information, at least one or more that the company requests to provide a predetermined wireless banking program mounted on the employee wireless terminal in order to provide a company-specific customized wireless banking service according to the present invention to employees of the company Characterized in that it comprises at least one or more information defining a non-face-to-face wireless banking function.

According to an embodiment of the present invention, the banking function information is provided to the employee through the wireless banking program mounted on the employee's wireless terminal of the company for the customized wireless banking service dedicated to the employee (or payroll account) It includes a non-face-to-face wireless banking function information that includes at least one or more account inquiry function and / or account transfer function and / or cash withdrawal function and / or currency exchange function through at least one or more automated teller machines desirable.

In addition, the banking function information is a non-face-to-face wireless banking function information including a small collateral loan function to process the loans paid to the employee as collateral through the wireless banking program mounted on the employee wireless terminal. It is preferable to comprise a.

The corporate customized menu information may include at least one corporate customized service to be provided to the employees of the company through the wireless banking program installed in the employee wireless terminal of the company with the banking function information. Characterized in that it comprises at least one or more information.

According to an embodiment of the present invention, the corporate customized menu information is provided on the corporate bulletin board service menu, salary provided to the employee through the wireless banking program mounted on the employee's wireless terminal of the company for the customized wireless banking service dedicated to the company It is preferable to include a customized service menu information such as a statement confirmation service menu, a CEO instruction confirmation menu, a business instruction and confirmation menu, and a business report menu according to the business characteristics of each company.

The employee authentication method information may be provided to the employee wireless terminal in a process of providing at least one wireless banking service and / or a company-customized service to the corporate employee through a wireless banking program provided to the corporate employee wireless terminal. It characterized in that it comprises at least one or more information defining the procedure and method for authenticating the employee through the wireless banking program.

According to an embodiment of the present invention, the employee authentication method information is inputted from the employee wireless terminal to authenticate the employee when the corporate employee accesses a predetermined server through the wireless banking program provided in the employee wireless terminal. It is desirable to include the composition of employee certification information.

For example, the employee authentication information may be configured to include a resident registration number of the employee and an employee code (or employee number) assigned to the employee by the company.

Or, the employee authentication information configuration, if the company is provided with a predetermined intranet server, the employee information used to authenticate the employee in the intranet server (for example, ID / PW information provided in the intranet server, or intranet It is possible to include the employee authentication code (certification number) provided in the server.

Alternatively, the employee authentication information configuration, when the corporate employee joins as a wireless banking member in the process of mounting the wireless banking program to the wireless terminal of the corporate employee, including the ID / PW information corresponding to the wireless banking member It can be done.

Alternatively, the employee authentication information may be configured to include the Internet banking member information when the corporate employee subscribes as an Internet banking member (or a non-face-to-face financial transaction customer) of a financial institution that provides the wireless banking service. Do.

According to an embodiment of the present invention, it is preferable that the employee authentication method information includes a location of employee information D / B in which the employee information for authenticating the employee authentication information corresponding to the employee authentication information configuration is stored. .

For example, the location of the employee information D / B is preferably provided on the wireless banking server side that provides at least one or more wireless banking services to the corporate employee through the wireless banking program provided in the corporate employee wireless terminal.

Alternatively, the position of the employee information D / B, it is possible to be provided on the company-customized server side that provides at least one or more company-specific services to the company employee through the wireless banking program provided in the company employee wireless terminal.

Alternatively, the position of the employee information D / B can be provided on the intranet server side provided in the company.

According to the implementation method of the present invention, the employee authentication method information preferably comprises a procedure for authenticating the employee authentication information corresponding to the employee authentication information configuration in connection with the employee information D / B.

For example, if the location of the employee information D / B is provided on the wireless banking server side, the employee authentication procedure, if the wireless terminal equipped with the wireless banking program provides predetermined employee authentication information to the wireless banking server Preferably, the wireless banking server includes a procedure for authenticating the employee in association with the employee information D / B.

Alternatively, if the location of the employee information D / B is provided in a separate server (eg, the intranet server, or DB server, etc.) of the company other than the wireless banking server, the employee authentication procedure, the wireless banking program is provided When the wireless terminal provides predetermined employee authentication information to the wireless banking server, the wireless banking server relays the employee authentication information to a separate server provided with the employee information D / B, and the image is transferred from the separate server. It is desirable to include a procedure for receiving employee certification results corresponding to employee certification information.

Alternatively, if the location of the employee information D / B is provided in a separate server (eg, the intranet server, or DB server, etc.) of the company other than the wireless banking server, the employee authentication procedure, the wireless banking program is provided When the predetermined wireless terminal provides predetermined employee authentication information to the separate server, the separate server authenticates the employee in association with the employee information D / B and transmits the employee authentication result to the wireless banking server. It is preferred to include the procedure.

According to an embodiment of the present invention, when the location of the employee information D / B is provided on the wireless banking server side, the employee authentication method information further includes at least one or more employee information to be registered in the employee information D / B. Preferably, the employee information included in the employee authentication method information is registered and stored in the employee information D / B.

The banking function information, the company customized menu information, and the employee authentication method information, which are stored in connection with the program production information D / B 125 through the information registration system shown in FIG. 1, are stored in the banking function. A financial bank that provides a wireless banking service corresponding to information (or a program developer affiliated with the financial institution) provides a predetermined wireless banking program to be provided to an employee wireless terminal of the company, and the financial institution corresponding to the wireless banking program. Characterized in that it is used to develop a custom server program (and / or server system) to be provided in.

Here, when a predetermined financial IC chip is provided in the employee wireless terminal, the wireless banking program may include a function of providing a wireless banking service corresponding to the banking function information using the financial IC chip. The present invention is not limited thereby.

According to an embodiment of the present invention, the information registration server 100 communicates with the enterprise terminal 130 through the network means in order to provide a web interface corresponding to the enterprise terminal 130 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the enterprise terminal 130 through a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the corporate terminal 130 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 105 may communicate with the enterprise terminal 130 and HTTP ( Connects a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and the information registration interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the enterprise terminal 130 through the communication channel. Transmits and outputs a provided screen, and receives and processes predetermined banking function information, corporate customized menu information, and employee authentication method information inputted (or selected) from the corporate terminal 130 through the information registration interface screen. It is desirable to.

According to another exemplary embodiment of the present invention, when the corporate terminal 130 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 105 is connected to the corporate terminal 130 and a WAP (Wireless). Connect a predetermined communication channel based on an Application Protocol and / or Mobile Explorer (ME) protocol, and the information in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the enterprise terminal 130 through the communication channel. A function of transmitting and outputting a registration interface screen and / or an information providing screen and receiving and processing predetermined banking function information, corporate customized menu information, and employee authentication method information corresponding to the information registration interface screen from the corporate terminal 130. It is preferable to carry out.

According to another exemplary embodiment of the present invention, when the corporate terminal 130 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 may be connected to the corporate terminal 130. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined information registration interface screen and / or an information providing screen to the enterprise terminal 130 through the communication channel. And receiving and processing predetermined banking function information, corporate customized menu information, and employee authentication method information corresponding to the information registration interface screen from the corporate terminal 130, and / or the corporate terminal ( When 130 is a wireless terminal to which a communication channel is connected through a wireless communication network based on IEEE 802.11x, the interface unit 105 is the corporate terminal 130 And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and transmits and outputs a predetermined information registration interface screen and / or information providing screen to the enterprise terminal 130 through the communication channel. In addition, it is preferable to perform a function of receiving and processing predetermined banking function information, corporate customized menu information, and employee authentication method information corresponding to the information registration interface screen from the corporate terminal 130.

Referring to FIG. 1, the information registration server 100 is connected to the interface unit 105 when a predetermined corporate terminal 130 accesses the information registration server 100 through the interface unit 105. An interface providing unit for generating (or extracting) a predetermined information registration interface screen for inputting (or selecting) predetermined banking function information, corporate customized menu information, and employee authentication method information from the corporate terminal 130. 110 and the banking function information, corporate customized menu information and employee authentication method information inputted (or selected) and transmitted from the corporate terminal 130 through the information registration interface screen in association with the interface unit 105. Receiving information receiving unit 115, the banking function information, corporate customized menu information and employee authentication method information linked to the program production information D / B (125) And it characterized in that formed in an information storage unit 120 to store.

The interface providing unit 110, when a predetermined corporate terminal 130 is connected to the information registration server 100 through the interface unit 105, the functional configuration provided in the corporate terminal 130 (eg, corporate Corresponding to the browser program provided in the terminal 130, the banking function information, corporate customized menu information and employee authentication method information may be input (or selected) and transmitted to the information registration server 100 through the network means. Generate a predetermined information registration interface screen, and / or extract from a predetermined database (not shown), and link the network means to the generated information registration interface screen in association with the interface unit 105. It is characterized in that provided to the enterprise terminal 130 through.

Subsequently, the corporate terminal 130 inputs (or selects) predetermined banking function information, corporate customized menu information, and employee authentication method information based on the information registration interface screen, and the banking function information and corporate customized menu information. When it is confirmed that the employee authentication method information is input (or selected), the corporate terminal 130 displays the banking function information, the corporate customized menu information, and the employee authentication method information, which are input (or selected) through the network means. Send to the registration server 100.

If the person skilled in the art to which the present invention pertains, the banking function information and the company customized menu information and at least one form (Form) form included in the information registration interface screen in the corporate terminal 130 and Technical information for inputting (or selecting) employee authentication method information, the banking function information, corporate customized menu information and employee authentication method information inputted (or selected) through a communication protocol provided by the network means. Since it will be familiar with the technical features to transmit to 100, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) predetermined banking function information, corporate customized menu information and employee authentication method information through the information registration interface screen on the corporate terminal 130 and transmits the information through the network means. And receiving the banking function information, the company customized menu information, and the employee authentication method information by interworking with the interface unit 105, wherein the received banking function information, the company customized menu information, and the employee authentication method information are received. Provided to the information storage unit 120.

The information storage unit 120 processes the banking function information received through the information receiving unit 115, corporate menu information and employee authentication method information in association with the program storage information stored in the program production information D / B (125) It features.

Here, the banking function information, at least one or more that the company requests to provide a predetermined wireless banking program mounted on the employee wireless terminal in order to provide a company-specific customized wireless banking service according to the present invention to employees of the company Characterized in that it comprises at least one or more information defining a non-face-to-face wireless banking function.

According to an embodiment of the present invention, the banking function information is provided to the employee through the wireless banking program mounted on the employee's wireless terminal of the company for the customized wireless banking service dedicated to the employee (or payroll account) It includes a non-face-to-face wireless banking function information that includes at least one or more account inquiry function and / or account transfer function and / or cash withdrawal function and / or currency exchange function through at least one or more automated teller machines desirable.

In addition, the banking function information is a non-face-to-face wireless banking function information including a small collateral loan function to process the loans paid to the employee as collateral through the wireless banking program mounted on the employee wireless terminal. It is preferable to comprise a.

The corporate customized menu information may include at least one corporate customized service to be provided to the employees of the company through the wireless banking program installed in the employee wireless terminal of the company with the banking function information. Characterized in that it comprises at least one or more information.

According to an embodiment of the present invention, the corporate personalized menu information is provided on the corporate bulletin board service menu, salary statement provided to the employee through the wireless banking program mounted on the employee's wireless terminal of the company for the customized wireless banking service dedicated to the company It is preferable to include a customized service menu information, such as a confirmation service menu, CEO instructions confirmation menu, business instructions and confirmation menu, and the business report menu according to the business characteristics of each company.

The employee authentication method information may be provided to the employee wireless terminal in a process of providing at least one wireless banking service and / or a company-customized service to the corporate employee through a wireless banking program provided to the corporate employee wireless terminal. It characterized in that it comprises at least one or more information defining the procedure and method for authenticating the employee through the wireless banking program.

According to the implementation method of the present invention, the employee authentication method information in the employee wireless terminal to authenticate the employee when the corporate employee accesses a predetermined server through the wireless banking program provided in the employee wireless terminal It is desirable to include the composition of employee certification information to be entered.

For example, the employee authentication information may be configured to include a resident registration number of the employee and an employee code (or employee number) assigned to the employee by the company.

Or, the employee authentication information configuration, if the company is provided with a predetermined intranet server, the employee information used to authenticate the employee in the intranet server (for example, ID / PW information provided in the intranet server, or intranet It is possible to include the employee authentication code (certification number) provided in the server.

Alternatively, the employee authentication information configuration, when the corporate employee joins as a wireless banking member in the process of mounting the wireless banking program to the wireless terminal of the corporate employee, including the ID / PW information corresponding to the wireless banking member It can be done.

Alternatively, the employee authentication information may be configured to include the Internet banking member information when the corporate employee subscribes as an Internet banking member (or a non-face-to-face financial transaction customer) of a financial institution that provides the wireless banking service. Do.

According to an embodiment of the present invention, it is preferable that the employee authentication method information includes a location of employee information D / B in which the employee information for authenticating the employee authentication information corresponding to the employee authentication information configuration is stored. .

For example, the location of the employee information D / B is preferably provided on the wireless banking server side that provides at least one or more wireless banking services to the corporate employee through the wireless banking program provided in the corporate employee wireless terminal.

Alternatively, the position of the employee information D / B, it is possible to be provided on the company-customized server side that provides at least one or more company-specific services to the company employee through the wireless banking program provided in the company employee wireless terminal.

Alternatively, the position of the employee information D / B can be provided on the intranet server side provided in the company.

According to the implementation method of the present invention, the employee authentication method information preferably comprises a procedure for authenticating the employee authentication information corresponding to the employee authentication information configuration in connection with the employee information D / B.

For example, if the location of the employee information D / B is provided on the wireless banking server side, the employee authentication procedure, if the wireless terminal equipped with the wireless banking program provides predetermined employee authentication information to the wireless banking server Preferably, the wireless banking server includes a procedure for authenticating the employee in association with the employee information D / B.

Alternatively, if the location of the employee information D / B is provided in a separate server (eg, the intranet server, or DB server, etc.) of the company other than the wireless banking server, the employee authentication procedure, the wireless banking program is provided When the wireless terminal provides predetermined employee authentication information to the wireless banking server, the wireless banking server relays the employee authentication information to a separate server provided with the employee information D / B, and the image is transferred from the separate server. It is desirable to include a procedure for receiving employee certification results corresponding to employee certification information.

Alternatively, if the location of the employee information D / B is provided in a separate server (eg, the intranet server, or DB server, etc.) of the company other than the wireless banking server, the employee authentication procedure, the wireless banking program is provided When the predetermined wireless terminal provides predetermined employee authentication information to the separate server, the separate server authenticates the employee in association with the employee information D / B and transmits the employee authentication result to the wireless banking server. It is preferred to include the procedure.

According to an embodiment of the present invention, when the location of the employee information D / B is provided on the wireless banking server side, the employee authentication method information further includes at least one or more employee information to be registered in the employee information D / B. Preferably, the employee information included in the employee authentication method information is registered and stored in the employee information D / B.

The banking function information, the company customized menu information, and the employee authentication method information, which are stored in connection with the program production information D / B 125 through the information registration system shown in FIG. 1, are stored in the banking function. A financial bank that provides a wireless banking service corresponding to information (or a program developer affiliated with the financial institution) provides a predetermined wireless banking program to be provided to an employee wireless terminal of the company, and the financial institution corresponding to the wireless banking program. Characterized in that it is used to develop a custom server program (and / or server system) to be provided in.

Here, when a predetermined financial IC chip is provided in the employee wireless terminal, the wireless banking program may include a function of providing a wireless banking service corresponding to the banking function information using the financial IC chip. The present invention is not limited thereby.

2 is a diagram illustrating an information registration process for providing a company-specific customized wireless banking service according to an embodiment of the present invention.

In more detail, FIG. 2 shows banking function information for providing an enterprise-specific customized wireless banking service to the information registration server 100 by a corporate terminal 130 on the information registration system shown in FIG. When the corporate customized menu information and employee authentication method information are transmitted, the banking function information and the corporate personalized menu information and employee authentication method information are processed and stored in the program production information D / B 125 by the information registration server 100. As a person having ordinary knowledge in the technical field to which the present invention pertains, various implementation methods for an information registration process for providing a customized wireless banking service for an enterprise may be inferred by referring to and / or modifying the drawing 2. It should be understood that the present invention includes all implementation methods inferred from the above, and only the implementation method illustrated in FIG. Shall not.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 will be referred to as "server" for convenience, and the enterprise terminal 130 on the information registration system shown in FIG. 1 will be referred to as "terminal" for convenience. It is called.

Referring to FIG. 2, a terminal on the information registration system shown in FIG. 1 connects to a server through the network means and connects a communication channel for providing an enterprise-specific customized wireless banking service (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the company information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means for the enterprise-specific wireless Since you will be familiar with the technical features of connecting a communication channel for providing a banking service, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for providing an enterprise-specific customized wireless banking service is connected between the terminal and the server, the terminal requests an information registration interface screen for providing the enterprise-specific customized wireless banking service to the server through the communication channel. In response (205), the server generates (or extracts) an information registration interface screen including a user interface for inputting (or selecting) the banking function information, corporate customized menu information, and employee authentication method information in the terminal. 210, and transmits the generated (or extracted) information registration interface screen to the terminal through the communication channel (215).

Thereafter, the terminal receives the banking function information, the corporate personalized menu information and the employee through the user interface included in the information registration interface screen for inputting (or selecting) the banking function information, the corporate personalized menu information and the employee authentication method information. The authentication method information is processed (or selected) to be input (220).

If the banking function information, the corporate customized menu information, and the employee authentication method information are inputted (or selected) at the terminal (225), the terminal sends the banking function information and the corporate customized menu information to the server through the communication channel. The employee authentication method information is transmitted (230), and in response, the server processes the received banking function information, the company customized menu information, and the employee authentication method information in association with the program production information D / B (shown in FIG. 1). 125).

Here, the banking function information, at least one or more that the company requests to provide a predetermined wireless banking program mounted on the employee wireless terminal in order to provide a company-specific customized wireless banking service according to the present invention to employees of the company Characterized in that it comprises at least one or more information defining a non-face-to-face wireless banking function.

According to an embodiment of the present invention, the banking function information is provided to the employee through the wireless banking program mounted on the employee's wireless terminal of the company for the customized wireless banking service dedicated to the employee (or payroll account) It includes a non-face-to-face wireless banking function information that includes at least one or more account inquiry function and / or account transfer function and / or cash withdrawal function and / or currency exchange function through at least one or more automated teller machines desirable.

In addition, the banking function information is a non-face-to-face wireless banking function information including a small collateral loan function to process the loans paid to the employee as collateral through the wireless banking program mounted on the employee wireless terminal. It is preferable to comprise a.

The corporate customized menu information may include at least one corporate customized service to be provided to the employees of the company through the wireless banking program installed in the employee wireless terminal of the company with the banking function information. Characterized in that it comprises at least one or more information.

According to an embodiment of the present invention, the corporate personalized menu information is provided to the employee through the wireless banking program mounted on the employee's wireless terminal of the company for the customized wireless banking service dedicated to the corporate menu, salary It is preferable to include a customized service menu information such as a statement confirmation service menu, a CEO instruction confirmation menu, a business instruction and confirmation menu, and a business report menu according to the business characteristics of each company.

The employee authentication method information may be provided to the employee wireless terminal in a process of providing at least one wireless banking service and / or a company-customized service to the corporate employee through a wireless banking program provided to the corporate employee wireless terminal. It characterized in that it comprises at least one or more information defining the procedure and method for authenticating the employee through the wireless banking program.

According to an embodiment of the present invention, the employee authentication method information is inputted from the employee wireless terminal to authenticate the employee when the corporate employee accesses a predetermined server through the wireless banking program provided in the employee wireless terminal. It is desirable to include the composition of employee certification information.

For example, the employee authentication information may be configured to include a resident registration number of the employee and an employee code (or employee number) assigned to the employee by the company.

Or, the employee authentication information configuration, if the company is provided with a predetermined intranet server, the employee information used to authenticate the employee in the intranet server (for example, ID / PW information provided in the intranet server, or intranet It is possible to include the employee authentication code (certification number) provided in the server.

Alternatively, the employee authentication information configuration, when the corporate employee joins as a wireless banking member in the process of mounting the wireless banking program to the wireless terminal of the corporate employee, including the ID / PW information corresponding to the wireless banking member It can be done.

Alternatively, the employee authentication information may be configured to include the Internet banking member information when the corporate employee subscribes as an Internet banking member (or a non-face-to-face financial transaction customer) of a financial institution that provides the wireless banking service. Do.

According to an embodiment of the present invention, it is preferable that the employee authentication method information includes a location of employee information D / B in which the employee information for authenticating the employee authentication information corresponding to the employee authentication information configuration is stored. .

For example, the location of the employee information D / B is preferably provided at the side of the wireless banking server that provides at least one wireless banking service to the corporate employee through the wireless banking program provided in the corporate employee wireless terminal. .

Alternatively, the position of the employee information D / B, it is possible to be provided on the company-customized server side that provides at least one or more company-specific services to the company employee through the wireless banking program provided in the company employee wireless terminal.

Alternatively, the position of the employee information D / B can be provided on the intranet server side provided in the company.

According to the implementation method of the present invention, the employee authentication method information preferably comprises a procedure for authenticating the employee authentication information corresponding to the employee authentication information configuration in connection with the employee information D / B.

For example, if the location of the employee information D / B is provided on the wireless banking server side, the employee authentication procedure, if the wireless terminal equipped with the wireless banking program provides predetermined employee authentication information to the wireless banking server Preferably, the wireless banking server includes a procedure for authenticating the employee in association with the employee information D / B.

Alternatively, if the location of the employee information D / B is provided in a separate server (eg, the intranet server, or DB server, etc.) of the company other than the wireless banking server, the employee authentication procedure, the wireless banking program is provided When the wireless terminal provides predetermined employee authentication information to the wireless banking server, the wireless banking server relays the employee authentication information to a separate server provided with the employee information D / B, and the image is transferred from the separate server. It is desirable to include a procedure for receiving employee certification results corresponding to employee certification information.

Alternatively, if the location of the employee information D / B is provided in a separate server (eg, the intranet server, or DB server, etc.) of the company other than the wireless banking server, the employee authentication procedure, the wireless banking program is provided When the predetermined wireless terminal provides predetermined employee authentication information to the separate server, the separate server authenticates the employee in association with the employee information D / B and transmits the employee authentication result to the wireless banking server. It is preferred to include the procedure.

According to an embodiment of the present invention, when the location of the employee information D / B is provided on the wireless banking server side, the employee authentication method information further includes at least one or more employee information to be registered in the employee information D / B. Preferably, the employee information included in the employee authentication method information is registered and stored in the employee information D / B.

The banking function information, the company customized menu information, and the employee authentication method information, which are stored in connection with the program production information D / B 125 through the information registration system shown in FIG. 1, are stored in the banking function. A financial bank that provides a wireless banking service corresponding to information (or a program developer affiliated with the financial institution) provides a predetermined wireless banking program to be provided to an employee wireless terminal of the company, and the financial institution corresponding to the wireless banking program. Characterized in that it is used to develop a custom server program (and / or server system) to be provided in.

Here, when a predetermined financial IC chip is provided in the employee wireless terminal, the wireless banking program may include a function of providing a wireless banking service corresponding to the banking function information using the financial IC chip. The present invention is not limited thereby.

3 is a diagram illustrating a program providing system for downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to an exemplary embodiment of the present invention.

In more detail, Figure 3 is a client of a company registered a banking function information, corporate customized menu information and employee authentication method information for providing the customized wireless banking service dedicated to the enterprise through the information registration system shown in Figure 1 Provides the employee authentication information and employee wireless terminal information to remotely download and install a predetermined wireless banking program for providing a company-specific customized wireless banking service to the employee wireless terminal by accessing a predetermined web server 300 through a terminal. When the web server 300 authenticates the validity of the employee through the employee authentication information, and when the employee is authenticated, the employee wireless terminal information is provided to a predetermined program providing server 335 by the employee. The company to the employee wireless terminal through the provision server 335 A program for downloading and remotely loading a predetermined wireless banking program for providing a customized wireless banking service for a user, and processing the wireless banking program information mounted on the employee wireless terminal and the employee wireless terminal information in a predetermined storage medium. As a configuration of the providing system, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 3 to provide a predetermined radio for providing the company-specific customized wireless banking service to the employee wireless terminal. Although various implementation methods for downloading and remotely mounting a banking program may be inferred, the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 3 in a financial IC chip (eg, a financial institution that provides the wireless banking service) to the employee wireless terminal. Provided with a provided financial IC chip or a financial IC chip supporting multi-domain), the employee wireless terminal provides and mounts a wireless banking program for providing the financial IC chip-based wireless banking service, and the financial IC chip. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

Hereinafter, in FIG. 3, a server that downloads and remotely mounts the wireless banking program for providing the company-specific customized wireless banking service to the employee wireless terminal is referred to as a "program providing server 335" for convenience. Receiving the employee authentication information and employee wireless terminal information for downloading the wireless banking program for providing the company-specific customized wireless banking service from a predetermined client terminal to authenticate the employee to provide the employee wireless terminal information to the program providing server A server provided to 335 is referred to as "web server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the program providing system connects to the web server 300 through a predetermined network means and provides a predetermined radio for providing an enterprise-specific customized wireless banking service to the employee wireless terminal. A client terminal providing the employee authentication information and the employee wireless terminal information for downloading and remotely mounting a banking program, and the employee authentication information through the received employee authentication information connected to the client terminal through a predetermined network means. After authenticating the validity of the employee through, if the validity of the employee is authenticated, the web server 300 to provide the employee wireless terminal information to a predetermined program providing server 335 through a predetermined communication means, and The employee is connected to the web server 300 through a predetermined communication means A program providing server for receiving a terminal information and providing a predetermined wireless banking program for providing a company-specific customized wireless banking service to the employee wireless terminal through a predetermined wireless communication network based on the received employee wireless terminal information; 335) and an employee wireless terminal which downloads a predetermined wireless banking program for providing the company-specific customized wireless banking service from the program providing server 335 through the wireless communication network and records it on a predetermined recording medium. It features.

A predetermined client terminal used by an employee of the company to access the web server 300 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very). and at least one wired terminal including a desktop computer and / or a laptop connected to the program providing server 335 through a high-data rate Digital Subscriber Line) and / or a cable communication network. According to the intention of those skilled in the art, the client terminal is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or IEEE 802.16x based ultra high speed A portable Internet terminal connected to the wireless Internet, and / or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. It can be obtained by including at least one wireless terminal including at least one.

According to an embodiment of the present invention, the client terminal connects to the web server 300 through a predetermined network means (eg, a wired network and / or a wireless network) and provides at least one or more provided by the web server 300. A function for outputting an interface screen, and inputting and / or selecting predetermined employee authentication information and employee wireless terminal information for downloading and remotely mounting the wireless banking program through the interface screen and transmitting them to the web server 300. It is desirable to have a configuration (e.g., a browser program and a communication function).

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

According to the present invention, the web server 300 is a web interface unit for connecting and managing a predetermined communication channel with the client terminal through the network means to provide a web interface corresponding to the client terminal and the network means ( It is characterized in that it comprises a 350, whereby the web server 300 has a function of the web server 300 is connected to communicate with the client terminal via a wired network and / or a wireless network.

According to an embodiment of the present invention, when the client terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the web interface unit 350 connects to the client terminal with HTTP (Hyper-Text Transfer Protocol). Connect a predetermined communication channel based on a protocol, and transmit and output an interface screen and / or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal through the communication channel, It is preferable to perform a function of receiving and processing predetermined employee authentication information and employee wireless terminal information input (or selected) from the terminal through the interface screen.

According to another exemplary embodiment of the present invention, when the client terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit 305 may connect to the client terminal and a WAP (Wireless Application Protocol) and / or the like. Or connecting a predetermined communication channel based on a ME (Mobile Explorer) protocol, and providing an interface screen and / or an information providing screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting and receiving and processing predetermined employee authentication information and employee wireless terminal information corresponding to the interface screen from the client terminal.

According to another exemplary embodiment of the present invention, when the client terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit 305 may be configured with the client terminal and the IEEE 802.16x standard. Connects a predetermined communication channel based on a wireless protocol corresponding to the present invention, transmits and outputs a predetermined interface screen and / or information providing screen to the client terminal through the communication channel, and corresponds to the interface screen from the client terminal. It is preferable to perform a function of receiving and processing predetermined employee authentication information and employee wireless terminal information, and / or when the client terminal is a wireless terminal connected to a communication channel through an IEEE 802.11x based wireless network, The web interface unit 305 is connected to the client terminal and the IEEE802. Connect a predetermined communication channel based on a wireless protocol corresponding to 11x standard, and transmit and output a predetermined interface screen and / or information providing screen to the client terminal through the communication channel, and output the interface screen from the client terminal. It is preferable to perform a function of receiving and processing predetermined employee authentication information and employee wireless terminal information corresponding to the.

According to the present invention, when the predetermined client terminal accesses the web server 300 through the web interface unit 305, the web server 300 interoperates with the web interface unit 305 in the client terminal. And an interface providing unit 310 which generates (or extracts) a predetermined interface screen for inputting (or selecting) and transmitting predetermined employee authentication information and employee wireless terminal information.

The interface providing unit 310, when a predetermined client terminal is connected to the web server 300 through the web interface unit 305, the functional configuration provided in the client terminal (for example, a browser program provided in the client terminal) Generate (or select) predetermined employee authentication information and employee wireless terminal information to transmit to the web server 300 via the network means, and / or to a predetermined database. It extracts from (not shown) and provides the generated (or extracted) interface screen to the client terminal through the network means in association with the web interface unit 305.

Thereafter, the client terminal inputs (or selects) predetermined employee authentication information and employee wireless terminal information based on the interface screen, and transmits the input (or selected) employee authentication information and employee wireless terminal information to the network means. It transmits to the web server 300 through.

According to the present invention, the web server 300 includes an information receiver 315 for receiving the employee authentication information and the employee wireless terminal information transmitted from the client terminal, and the employee authentication received through the information receiver 315. Comparing the employee information provided in the information and predetermined employee information D / B (330) and the employee authentication unit 320 for authenticating the employee validity based on the employee authentication information, and if the validity of the employee is authenticated, And an information providing unit 325 for providing the employee wireless terminal information received through the information receiving unit 315 to the program providing server 335 through a predetermined communication means.

When the client terminal inputs (or selects) predetermined employee authentication information and employee wireless terminal information based on the interface screen, the information receiving unit 315 transmits the employee authentication information and employee wireless terminal information through the network means. Characterized in that it receives, and provides the received employee authentication information to the employee authentication unit (320).

Through the information registration system shown in FIG. 1, the web server 300 has an employee information D / B 330 for storing predetermined company information and at least one employee information (or employee information D / B 330). The employee authentication information received from the client terminal through the information receiving unit 315 includes authentication information matching at least one or more employee information provided in the employee information D / B 330. It is preferable to make it.

In addition, the employee wireless terminal information received from the client terminal through the information receiving unit 315, preferably comprises at least one or more identification number (or phone number) and / or network address of the employee wireless terminal.

The employee wireless terminal information may further include wireless communication company information (or wireless communication network information) corresponding to the wireless communication network to which the employee wireless terminal is connected.

The employee wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the employee wireless terminal.

The employee wireless terminal information may include platform information provided in the employee wireless terminal (eg, when the employee wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) provided in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when the employee wireless terminal is equipped with a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domain), the employee wireless terminal The information may further comprise the financial IC chip information.

In particular, the wireless carrier information (or wireless communication network information), the manufacturer information and / or wireless terminal model (or model) information, the platform information and / or operating system information, and / or financial IC of the employee wireless terminal information The chip information may be provided directly to the program providing server 335 through a predetermined program providing interface screen in the employee wireless terminal in the process of accessing the program providing server 335 by the employee wireless terminal. The present invention is not limited.

The employee authentication unit 320 queries at least one or more employee information matching the employee authentication information in the employee information D / B 330 by using the employee authentication information received through the information receiving unit 315 as a keyword. (Or search), and by comparing and authenticating the employee authentication information and the inquired (or searched) employee information, the validity of confirming whether the employee accessing the web server 300 through the client terminal is an employee of the company. Characterized in that the authentication process.

According to the exemplary embodiment of the present invention, the interface providing unit 310 matches predetermined corporate information (or company specific information) that matches corporate information stored in the employee information D / B 330 on an interface screen provided to the client terminal. It is possible to further provide a user interface for inputting (or selecting)), and in this case, the information receiver 315 transmits the employee authentication information and the employee wireless terminal information to the employee information D / B 330. It is possible to further receive a predetermined company information (or company specific information) matching the stored company information, whereby the employee authentication unit 320 is the company information corresponding to the employee authentication information through the company information You can check.

When the employee is confirmed as an employee of the company as a result of the authentication of the employee authentication unit 320, when the validity of the employee is authenticated through the employee authentication information, the information providing unit 325 performs the information receiving unit 315. The employee wireless terminal information received from the client terminal through the predetermined communication means to provide to the program providing server 335, after which the program providing server 335 through the employee wireless terminal information The employee wireless terminal provides a predetermined wireless banking program for providing a company-specific customized wireless banking service.

The employee wireless terminal is connected to a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or an IEEE 802.16x based high speed wireless Internet. And at least one wireless terminal including at least one portable internet terminal, and / or at least one wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network, wherein the employee wireless terminal provides the program. It is preferable that a function configuration (eg, a browser program and a communication function) for outputting at least one or more interface screens provided by the server 335 and downloading and remotely mounting the wireless banking program based on the interface screens is provided. Do.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the employee wireless terminal corresponding to at least one or more wireless terminals, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network is a CDMA / HSDPA-based mobile communication network, and / or IEEE 802.16x based high-speed wireless Internet, and / or IEEE 802.11x based on a wireless communication network connected to the employee wireless terminal. At least one WLAN network is preferably included.

According to the present invention, the program providing server 335 connects and manages a predetermined communication channel with the employee wireless terminal through the wireless communication network to provide a program providing interface corresponding to the employee wireless terminal and the wireless communication network. It characterized in that it comprises an interface unit 350, whereby the program providing server 335 is communicated with the employee wireless terminal through a predetermined wireless communication network.

According to an embodiment of the present invention, when the employee wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 350 may communicate with the employee wireless terminal and WAP (Wireless Application Protocol) and / or the like. Alternatively, a predetermined communication channel is connected based on the ME (Mobile Explorer) protocol, and the WML (Wireless Markup Language) and / or HTML compatible document type program providing interface screen is output to the employee wireless terminal through the communication channel. In addition, it is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless banking program to the employee wireless terminal through the program providing interface screen.

According to another exemplary embodiment of the present invention, when the employee wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 350 may include the employee wireless terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a wireless protocol corresponding to the transmission, transmit a predetermined program providing interface screen to the employee wireless terminal through the communication channel, and output it to the employee wireless terminal through the program providing interface screen. It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless banking program, and / or the employee wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. In this case, the interface unit 350 is compared with the employee wireless terminal Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, transmit and output a predetermined program providing interface screen to the employee wireless terminal through the communication channel, and through the program providing interface screen It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless banking program to the employee wireless terminal.

According to the present invention, the program providing server 335 is connected to the program providing server 335 through a predetermined employee wireless terminal, the interface unit 350, the employee wireless in conjunction with the interface unit 350 And an interface providing unit 340 for generating (or extracting) a predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless banking program to the terminal.

The interface providing unit 340 has a functional configuration provided in the employee wireless terminal (eg, provided in the employee wireless terminal) when a predetermined employee wireless terminal is connected to the program providing server 335 through the interface unit 350. Browser program) to generate a predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless banking program to the employee wireless terminal, and / or extracting from a predetermined database (not shown). The program providing interface screen generated (or extracted) by interworking with the interface unit 350 may be provided to the employee wireless terminal through the wireless communication network.

Thereafter, the employee wireless terminal inputs (or selects) program request information for requesting to provide a predetermined wireless banking program to the program providing server 335 based on the program providing interface screen, and through the program providing interface screen. When the program request information is input (or selected), the employee wireless terminal provides the input (or selected) program request information to the program providing server 335, and correspondingly, the program providing server 335 Provides a predetermined wireless banking program to be mounted remotely.

According to the method of the present invention, banking function information, corporate customized menu information and employee authentication method information are registered from the company through the information registration system shown in FIG. 1 and registered in the program production information D / B 125. After that, a financial institution (or a program developer affiliated with the financial institution) that provides a wireless banking service corresponding to the banking function information to the employees of the company may provide a predetermined wireless banking program to be provided to the wireless terminal of the company's employees. It is preferable to develop (or manufacture) and store in the wireless banking program D / B provided in the program providing server 335 (or associated with the program providing server 335).

According to the present invention, the program providing server 335 is a wireless banking program D / B for storing at least one or more wireless banking program source and / or wireless banking program files to be provided to the employee wireless terminal, and the wireless banking program D And a program providing unit 355 which extracts and / or dynamically generates a predetermined wireless banking program corresponding to the employee wireless terminal information from / B and provides the employee wireless terminal through the interface unit 350. It is characterized by.

According to an exemplary embodiment of the present invention, the wireless banking program D / B stores a predetermined wireless banking program file capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal. When the employee wireless terminal information is received from the web server 300 and / or predetermined program request information is received from the employee wireless terminal, the program providing unit 355 transmits the wireless banking program D / B. And extracting a predetermined wireless banking program file matching the employee wireless terminal information from the employee.

According to another exemplary embodiment of the present invention, the wireless banking program D / B stores a predetermined wireless banking program source capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal. If the employee wireless terminal information is received from the web server 300 and / or predetermined program request information is received from the employee wireless terminal, the program providing unit 355 may transmit the wireless banking program D / D. Extracting a predetermined wireless banking program source matched with the employee wireless terminal information from B, and compiling the extracted wireless banking program source to dynamically generate a predetermined wireless banking program to be provided to the employee wireless terminal. It features.

Thereafter, the program providing unit 355 provides the extracted (and / or dynamically generated) wireless banking program in conjunction with the interface unit 350 to the employee wireless terminal through the wireless communication network to remotely mount the present program. Those skilled in the art will be familiar with the method of remotely mounting the wireless banking program (for example, the method of remotely mounting the employee's wireless terminal with a program provider certificate). Detailed description is omitted for convenience.

When the wireless banking program is downloaded and remotely mounted to the employee wireless terminal as described above, the employee wireless terminal executes the wireless banking program for the first time to initiate the wireless banking program diagnosis mode for authenticating the validity of the wireless banking program. It is preferable (or can be omitted according to the intention of those skilled in the art), for this purpose, the program providing server 335 is for interoperating with the wireless banking program provided in the employee wireless terminal to diagnose the validity of the wireless banking program It is characterized by comprising a diagnostic unit 360.

According to an embodiment of the present invention, the wireless banking program diagnosis mode includes checking whether the wireless banking program provided and mounted to the employee wireless terminal through the program provider 355 operates normally in the employee wireless terminal. Preferably, the wireless banking program diagnosis mode as described above, when the wireless network is completely open, the program providing server 335 for checking the validity of the wireless banking program provided in the employee wireless terminal Provide means.

For example, the wireless banking program diagnosis mode transmits predetermined information to be provided to the diagnosis unit 360 through the wireless communication network when the wireless banking program is normally driven in the employee wireless terminal. In step 360, it is preferable to include a process of confirming whether the reserved information is normally received from the employee wireless terminal.

Alternatively, the wireless banking program diagnostic mode emulates whether the wireless banking function corresponding to the banking function information registered by the diagnostic unit 360 through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to include the process.

According to an embodiment of the present invention, the diagnostic unit 360 has a wireless banking function corresponding to the banking function information registered through the information registration system shown in FIG. 1 in association with a predetermined wireless banking server. It's a good idea to emulate whether your program works properly.

Alternatively, the wireless banking program diagnosis mode emulates whether the corporate personalized service function corresponding to the corporate personalized menu information registered by the diagnostic unit 360 through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to include the process of rating.

According to an embodiment of the present invention, the diagnosis unit 360 has a corporate customization service function corresponding to the corporate customization menu information registered through the information registration system shown in FIG. It is desirable to emulate the normal operation of the wireless banking program.

According to the present invention, the program providing server 335 is downloaded to the employee wireless terminal and stored in the predetermined program information D / B (370) by linking and processing the wireless banking program information and the employee wireless terminal information mounted remotely It is characterized by comprising an information storage unit 365 to.

According to an embodiment of the present invention, when the validity of the wireless banking program is confirmed by the diagnosis unit 360, the information storage unit 365 is downloaded to the employee wireless terminal and the wireless banking program information remotely mounted. And the employee wireless terminal information is linked to the predetermined program information D / B (370) to be processed in conjunction with the wireless banking program information stored in the program information D / B (370) and the employee wireless The terminal information is used to maintain and repair the wireless banking program provided to the employee wireless terminal, and / or to upgrade a new wireless banking program to the employee wireless terminal.

4 is a diagram illustrating a process of downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to an exemplary embodiment of the present invention.

In more detail, Figure 4 is to download a predetermined wireless banking program for providing the company-specific customized wireless banking service from the program providing server 335 to the employee wireless terminal through the program providing system configuration shown in Figure 3 As for the process of remote mounting, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 4 to provide a predetermined wireless banking service dedicated to the company to the employee wireless terminal Although various implementation methods of downloading and remotely mounting a wireless banking program may be inferred, the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 4 in a financial IC chip (eg, in a financial institution that provides the wireless banking service) to the employee wireless terminal. Provided with a provided financial IC chip, or a financial IC chip supporting multi-domain), the employee wireless terminal provides and mounts a wireless banking program for providing the financial IC chip-based wireless banking service. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all of the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

In FIG. 4, the client terminal shown in FIG. 3 is referred to as " terminal " for convenience, and the program providing server 335 shown in FIG. 3 is referred to as " server "

Referring to FIG. 4, the terminal accesses the web server 300 through a predetermined network means, and provides a predetermined radio to the employee wireless terminal to provide the company-specific customized wireless banking service to the web server 300. In order to download and remotely mount a banking program (400), the web server 300 extracts (or generates) a predetermined information providing interface screen for providing the wireless banking program to the employee wireless terminal. Provided to the terminal (405).

Thereafter, the terminal inputs (and / or selects) predetermined employee authentication information and employee wireless terminal information through the information providing interface screen (410), and inputs (and / or selects) the employee authentication information and employee wireless information. Terminal information is transmitted to the web server 300 via the network means (415).

Here, the employee authentication information preferably comprises authentication information matching at least one or more employee information provided in the employee information D / B (330).

In addition, the employee wireless terminal information, preferably comprises at least one or more identification number (or phone number) and / or network address of the employee wireless terminal.

The employee wireless terminal information may further include wireless communication company information (or wireless communication network information) corresponding to the wireless communication network to which the employee wireless terminal is connected.

In addition, the employee wireless terminal information, it is preferable to further comprise the manufacturer information and / or radio terminal model (or model) information for the employee wireless terminal.

The employee wireless terminal information may include platform information provided in the employee wireless terminal (eg, when the employee wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) provided in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when the employee wireless terminal is equipped with a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domain), the employee wireless terminal The information may further include the financial IC chip information.

In particular, the wireless carrier information (or wireless communication network information), the manufacturer information and / or wireless terminal model (or model) information, the platform information and / or operating system information, and / or financial IC of the employee wireless terminal information The chip information may be provided directly to the program providing server 335 through a predetermined program providing interface screen in the employee wireless terminal in the process of accessing the program providing server 335 by the employee wireless terminal. The present invention is not limited.

Thereafter, the web server 300 checks the validity of the employee corresponding to the employee wireless terminal to mount the wireless banking program through the received employee authentication information in connection with the employee information D / B 330 (420). ).

If the employee validity is not authenticated (425), the web server 300 generates predetermined employee validity error information and transmits it to the terminal through the network means (430), and the information providing interface screen to the terminal. It provides a predetermined employee authentication information and employee wireless terminal information, and repeats the process of checking the validity of the employee corresponding to the employee wireless terminal to be equipped with the wireless banking program through the received employee authentication information.

On the other hand, if the employee validity is authenticated (425), the web server 300 provides the received employee wireless terminal information to the server through a predetermined communication means (435).

The server receiving the employee wireless terminal information extracts (and / or dynamically generates) a predetermined wireless banking program matching the employee wireless terminal information from the wireless banking program D / B (440).

According to an embodiment of the present invention, if a predetermined wireless banking program file capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal is stored in the wireless banking program D / B, the web server When the employee wireless terminal information is received from 300 and / or predetermined program request information is received from the employee wireless terminal, the server is matched with the employee wireless terminal information from the wireless banking program D / B. It is desirable to extract a predetermined wireless banking program file.

According to another exemplary embodiment of the present invention, when the predetermined banking program source capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal is stored in the wireless banking program D / B, the web server When the employee wireless terminal information is received from 300 and / or predetermined program request information is received from the employee wireless terminal, the server is matched with the employee wireless terminal information from the wireless banking program D / B. It is preferable to extract a predetermined wireless banking program source, compile the extracted wireless banking program source, and dynamically generate a predetermined wireless banking program to be provided to the employee wireless terminal.

Thereafter, the server reads the employee wireless terminal information and requests the employee wireless terminal to access the server through a wireless communication network to which the employee wireless terminal is connected (445).

According to an exemplary embodiment of the present invention, when the employee wireless terminal is provided with a function of receiving a predetermined wireless message (eg, a short message), the server may be configured to allow the employee wireless terminal to access the server. A wireless message including a callback URL is generated and transmitted to the employee wireless terminal through a wireless communication network connected to the employee wireless terminal.

Thereafter, the wireless terminal accesses the server through the wireless communication network in response to the server access request (450), and correspondingly, the server generates (or extracts) a predetermined program providing interface screen through the wireless communication network. Provided to the employee wireless terminal (455).

The wireless terminal provided with the program providing interface screen inputs (or selects) predetermined program request information through the program providing interface screen (460), and transmits the input (or selected) program request information through the wireless communication network. And transmits to the server (465).

According to an embodiment of the present invention, the program request information may include the wireless carrier information (or wireless communication network information), the manufacturer information and / or radio terminal model (or model) information, or the platform information and / Or operating system information, and / or financial IC chip information, etc. may be further included, whereby the present invention is not limited.

Thereafter, the server checks the validity of the received program request information (470). If the validity of the program request information is not authenticated (475), the server generates predetermined program request error information. After transmitting to the employee wireless terminal through the wireless communication network (455), the program providing interface screen is provided to the wireless terminal to receive a predetermined program request information, and to check the validity of the received program request information Repeat the process.

On the other hand, if the validity of the program request information is authenticated (475), the server provides the wireless banking program extracted (and / or dynamically generated) from the wireless banking program D / B to the terminal through the wireless communication network. Remote mount (482).

Those skilled in the art to which the present invention pertains will be familiar with the method of remotely mounting the wireless banking program (for example, the method of remotely mounting the employee wireless terminal with a program provider certificate attached). Detailed description thereof will be omitted for convenience.

If the wireless banking program is remotely mounted to the terminal (484), the terminal executes the wireless banking program to initiate a diagnostic mode for the wireless banking program (486), and the terminal correspondingly the wireless banking Generates predetermined validity diagnostic information through a program and transmits it to the server through the wireless communication network (488), and the server receives and reads the received validity diagnostic information to confirm the validity of the wireless banking program. (490).

According to an embodiment of the present invention, the wireless banking program diagnosis mode includes checking whether the wireless banking program provided and mounted to the employee wireless terminal through the program provider 355 operates normally in the employee wireless terminal. Preferably, the wireless banking program diagnosis mode as described above, when the wireless network is completely open, the program providing server 335 for checking the validity of the wireless banking program provided in the employee wireless terminal Provide means.

For example, the wireless banking program diagnosis mode transmits predetermined information to be provided to the server through the wireless communication network when the wireless banking program is normally run in the employee wireless terminal, and the server uses the employee wireless terminal. It is preferable to include a step of confirming whether the reserved information is normally received from.

Alternatively, the wireless banking program diagnostic mode may include emulating, by the server, whether the wireless banking function corresponding to the banking function information registered through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to make.

According to an embodiment of the present invention, the server is connected to a predetermined wireless banking server, the wireless banking function corresponding to the banking function information registered through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is desirable to emulate.

Alternatively, the wireless banking program diagnosis mode may be performed by the server to emulate whether the corporate personalized service function corresponding to the corporate personalized menu information registered through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to comprise.

According to an embodiment of the present invention, the server may be connected to a predetermined corporate customized server, the enterprise customized service function corresponding to the corporate customized menu information registered through the information registration system shown in Figure 1 in the wireless banking program It is desirable to emulate whether it works normally.

If the validity of the wireless banking program is not confirmed (492), the server generates a predetermined wireless banking program diagnostic error information and transmits it to the wireless terminal through the wireless communication network (455), and then to the wireless terminal. The program providing interface screen is provided to receive predetermined program request information, and the process of confirming validity of the received program request information is repeated.

On the other hand, if the validity of the wireless banking program is confirmed (492), the server is stored in the predetermined program information D / B (370) by linking and processing the wireless banking program information mounted on the terminal and predetermined employee wireless terminal information The wireless banking program information and the employee wireless terminal information stored in the program information D / B 370 are then maintained and repaired by the wireless banking program provided to the employee wireless terminal, and / or the employee. It is used to upgrade a new wireless banking program to a wireless terminal.

5 is a diagram illustrating a program providing system for downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to another exemplary embodiment of the present invention.

In more detail, Figure 5 is a predetermined employee of the company registered the banking function information, corporate customized menu information and employee authentication method information for providing the company-specific customized wireless banking service through the information registration system shown in Figure 1 By connecting to a predetermined program providing server 500 through a wireless terminal and providing the employee authentication information for remote mounting and downloading a predetermined wireless banking program for providing a company-specific customized wireless banking service to the employee wireless terminal, The program providing server 500 authenticates the validity of the employee through the employee authentication information, and if the employee is authenticated, downloads a predetermined wireless banking program for providing the company-specific customized wireless banking service to the employee wireless terminal. Remotely mounted and said employees The present invention relates to a system for providing a program for linking the wireless banking program information mounted on a wireless terminal with the employee wireless terminal information and storing the predetermined information in a predetermined storage medium. With reference to and / or modifying the Figure 5 can be inferred various implementation methods for downloading and remote mounting a predetermined wireless banking program for providing the company-specific customized wireless banking service to the employee wireless terminal, the present invention is It includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing 5 in a financial IC chip (for example, in a financial institution providing the wireless banking service) to the employee wireless terminal. Provided with a provided financial IC chip or a financial IC chip supporting multi-domain), the employee wireless terminal provides and mounts a wireless banking program for providing the financial IC chip-based wireless banking service, and the financial IC chip. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

Hereinafter, in FIG. 5, a server for downloading and remotely mounting the wireless banking program for providing the company-specific customized wireless banking service to the employee wireless terminal is referred to as a "program providing server 500".

Referring to FIG. 5 according to an embodiment of the present invention, the program providing system connects to the program providing server 500 through a predetermined wireless communication network to provide a predetermined wireless banking program for providing the customized wireless banking service for the enterprise. An employee wireless terminal that downloads and records in a predetermined recording medium, and is connected to the employee wireless terminal through a predetermined wireless communication network to provide a predetermined wireless banking program for providing the company-specific customized wireless banking service to the employee wireless terminal. It includes a program providing server 500.

The employee wireless terminal is connected to a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / or an IEEE 802.16x based high speed wireless Internet. And at least one wireless terminal including at least one portable internet terminal, and / or at least one wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network, wherein the employee wireless terminal includes the program. A function configuration (for example, a browser program and a communication function) for outputting at least one information providing interface screen provided by the providing server 500 and downloading and remotely mounting the wireless banking program based on the information providing interface screen is provided. It is preferable that it is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the employee wireless terminal corresponding to at least one or more wireless terminals, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the wireless communication network is a CDMA / HSDPA-based mobile communication network, and / or IEEE 802.16x based high-speed wireless Internet, and / or IEEE 802.11x based on a wireless communication network connected to the employee wireless terminal. At least one WLAN network is preferably included.

According to the present invention, the program providing server 500 is an interface for connecting and managing a predetermined communication channel with the employee wireless terminal through the wireless communication network to provide a communication interface corresponding to the employee wireless terminal and the wireless communication network. And a unit 505, whereby the program providing server 500 has a function of a wireless server in communication with the employee wireless terminal through a wired network and / or a wireless network.

According to an exemplary embodiment of the present invention, when the employee wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit 505 may connect the employee wireless terminal to a wireless application protocol (WAP) and the like. And / or connect a predetermined communication channel based on the ME (Mobile Explorer) protocol, and through the communication channel, an information providing interface screen in the form of a WML (Wireless Markup Language) and / or HTML compatible document and / or to the employee wireless terminal. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined employee authentication information corresponding to the information providing interface screen from the employee wireless terminal.

According to another exemplary embodiment of the present invention, when the employee wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the web interface unit 505 may connect the employee wireless terminal and the IEEE 802.16x. Connect a predetermined communication channel based on a wireless protocol corresponding to the standard, and transmit and output a predetermined information providing interface screen and / or information providing screen to the employee wireless terminal through the communication channel, and from the employee wireless terminal. It is preferable to perform a function of receiving and processing predetermined employee authentication information corresponding to the information providing interface screen, and / or the employee wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. In this case, the web interface unit 505 is the employee wireless terminal and the IEEE 802.11x standard. A predetermined communication channel is connected based on a wireless protocol corresponding to the standard, and a predetermined information providing interface screen and / or information providing screen is transmitted to the employee wireless terminal through the communication channel and outputted. It is preferable to perform a function of receiving and processing predetermined employee authentication information corresponding to the information providing interface screen.

According to the present invention, the program providing server 500, when a predetermined employee wireless terminal is connected to the program providing server 500 through the interface unit 505, in conjunction with the interface unit 505, the employee wireless And an interface providing unit 510 for generating (or extracting) a predetermined information providing interface screen for inputting (or selecting) and transmitting predetermined employee authentication information in a terminal.

The interface providing unit 510 has a functional configuration (eg, provided in the employee wireless terminal) provided to the employee wireless terminal when a predetermined employee wireless terminal is connected to the program providing server 500 through the interface unit 505. A predetermined information providing interface screen capable of inputting (or selecting) predetermined employee authentication information to the program providing server 500 through the network means in response to a browser program), and / or Extracting from a database (not shown) and interworking with the interface unit 505, the generated (or extracted) information providing interface screen is provided to the employee wireless terminal through the network means.

According to an exemplary embodiment of the present invention, the information providing interface screen may extract predetermined employee wireless terminal information corresponding to the employee wireless terminal by referring to at least one or more system parameter information stored in a memory provided in the employee wireless terminal. It is preferable to include a script (or program) provided to the program providing server 500.

According to another exemplary embodiment of the present invention, the information providing interface screen receives a predetermined employee wireless terminal information through a key input device provided in the employee wireless terminal, and provides a user interface provided to the program providing server 500. It is preferable to comprise.

The employee wireless terminal information may include at least one identification number (or phone number) and / or a network address of the employee wireless terminal.

The employee wireless terminal information may further include wireless communication company information (or wireless communication network information) corresponding to the wireless communication network to which the employee wireless terminal is connected.

The employee wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the employee wireless terminal.

The employee wireless terminal information may include platform information provided in the employee wireless terminal (eg, when the employee wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) provided in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when the employee wireless terminal is equipped with a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domain), the employee wireless terminal The information may further include the financial IC chip information.

Thereafter, the employee wireless terminal inputs (or selects) predetermined employee authentication information based on the information providing interface screen, and the program providing server 500 receives the input (or selected) employee authentication information through the network means. To send).

According to the present invention, the program providing server 500 is an information receiving unit 515 for receiving the employee authentication information transmitted by the employee wireless terminal, and the employee authentication information received through the information receiving unit 515 and predetermined Comparing the employee information provided in the employee information D / B 540 of the employee authentication information based on the employee authentication information characterized in that it is provided with an employee authentication unit (520).

The information receiving unit 515 receives the employee authentication information through the network means when the employee wireless terminal inputs (or selects) predetermined employee authentication information based on the information providing interface screen. The employee certification information is provided to the employee certification unit 520.

According to an embodiment of the present invention, the employee wireless terminal refers to at least one or more system parameter information stored in a memory provided in the employee wireless terminal on an information providing interface screen provided by the interface provider 510 to the employee wireless terminal. Includes a script (or program) for extracting the predetermined employee wireless terminal information corresponding to the provided to the program providing server 500, and / or wirelessly through the key input device provided in the employee wireless terminal When a user interface for receiving terminal information and providing the program providing server 500 is provided, the information receiving unit 515 may further receive the employee wireless terminal information from the employee wireless terminal.

According to another exemplary embodiment of the present invention, the information receiving unit 515 reads predetermined employee wireless terminal information from communication session information for the employee wireless terminal connected to the communication channel in connection with the interface unit 505, Alternatively, it is possible to request and receive predetermined employee wireless terminal information on the employee wireless terminal from a mobile communication company server existing on the communication channel.

The employee wireless terminal information may include at least one identification number (or phone number) and / or a network address of the employee wireless terminal.

The employee wireless terminal information may further include wireless communication company information (or wireless communication network information) corresponding to the wireless communication network to which the employee wireless terminal is connected.

The employee wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the employee wireless terminal.

The employee wireless terminal information may include platform information provided in the employee wireless terminal (eg, when the employee wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) provided in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when the employee wireless terminal is equipped with a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domain), the employee wireless terminal The information may further include the financial IC chip information.

Through the information registration system shown in FIG. 1, the program providing server 500 includes an employee information D / B 540 for storing predetermined company information and at least one employee information (or an employee information D / B ( 540), wherein the employee authentication information received from the employee wireless terminal through the information receiver 515 is matched with at least one or more employee information provided in the employee information D / B 540. It is preferable to comprise a.

The employee certification unit 520 inquires at least one or more employee information matching the employee authentication information in the employee information D / B (540) using the employee authentication information received through the information receiving unit 515 as a keyword. (Or search) and by comparing and authenticating the employee authentication information and the inquired employee information (or searched), confirming whether an employee who accesses the program providing server 500 through the employee wireless terminal is an employee of the company. Characterized in that it performs a validity authentication procedure.

According to an exemplary embodiment of the present invention, the interface providing unit 510 may include predetermined corporate information (or matched with corporate information stored in the employee information D / B 540 on an information providing interface screen provided to the employee wireless terminal). And a user interface for further inputting (or selecting) company-specific information). In this case, the information receiving unit 515 stores the company information stored in the employee information D / B 540 in the employee authentication information. It is possible to further receive a predetermined company information (or company-specific information) matching with, so that the employee authentication unit 520 can check the company information corresponding to the employee authentication information through the company information have.

According to the present invention, the interface unit 505 connects and manages a predetermined communication channel with the employee wireless terminal through the wireless communication network in order to provide a program providing interface corresponding to the employee wireless terminal and the wireless communication network. It features.

According to an embodiment of the present invention, when the employee wireless terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 505 may communicate with the employee wireless terminal and WAP (Wireless Application Protocol) and / or the like. Alternatively, a predetermined communication channel is connected based on the ME (Mobile Explorer) protocol, and the WML (Wireless Markup Language) and / or HTML compatible document type program providing interface screen is output to the employee wireless terminal through the communication channel. In addition, it is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless banking program to the employee wireless terminal through the program providing interface screen.

According to another exemplary embodiment of the present invention, when the employee wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless network, the interface unit 505 may be configured to support the employee wireless terminal and the IEEE 802.16x standard. Connect a predetermined communication channel based on a wireless protocol corresponding to the transmission, transmit a predetermined program providing interface screen to the employee wireless terminal through the communication channel, and output it to the employee wireless terminal through the program providing interface screen. It is preferable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless banking program, and / or the employee wireless terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless network. In this case, the interface unit 505 is compared with the employee wireless terminal Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, transmit and output a predetermined program providing interface screen to the employee wireless terminal through the communication channel, and through the program providing interface screen, It is desirable to perform a communication channel maintenance and management function for remotely downloading a predetermined wireless banking program to an employee wireless terminal.

According to the present invention, the interface providing unit 510 generates (or extracts) a predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless banking program to the employee wireless terminal in cooperation with the interface unit 505. ) To provide.

The interface providing unit 510 has a functional configuration (eg, provided in the employee wireless terminal) provided to the employee wireless terminal when a predetermined employee wireless terminal is connected to the program providing server 500 through the interface unit 505. Browser program) to generate a predetermined program providing interface screen for downloading and remotely mounting a predetermined wireless banking program to the employee wireless terminal, and / or extracting from a predetermined database (not shown). The program providing interface screen generated (or extracted) in association with the interface unit 505 may be provided to the employee wireless terminal through the wireless communication network.

Thereafter, the employee wireless terminal inputs (or selects) program request information for requesting to provide a predetermined wireless banking program to the program providing server 500 based on the program providing interface screen, and through the program providing interface screen. When the program request information is input (or selected), the employee wireless terminal provides the input (or selected) program request information to the program providing server 500, and correspondingly, the program providing server 500 Provides a predetermined wireless banking program to be mounted remotely.

According to the method of the present invention, banking function information, corporate customized menu information and employee authentication method information are registered from the company through the information registration system shown in FIG. 1 and registered in the program production information D / B 125. After that, a financial institution (or a program developer affiliated with the financial institution) that provides a wireless banking service corresponding to the banking function information to the employees of the company may provide a predetermined wireless banking program to be provided to the wireless terminal of the company's employees. It is preferable to develop (or manufacture) and store the data in the wireless banking program D / B provided in the program providing server 500 (or associated with the program providing server 500).

According to the present invention, the program providing server 500 is a wireless banking program D / B for storing at least one or more wireless banking program source and / or wireless banking program files to be provided to the employee wireless terminal, and the wireless banking program D And a program providing unit 525 which extracts and / or dynamically generates a predetermined wireless banking program corresponding to the employee wireless terminal information from / B and provides the employee wireless terminal through the interface unit 505. It is characterized by.

According to an exemplary embodiment of the present invention, the wireless banking program D / B stores a predetermined wireless banking program file capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal. When the predetermined program request information is received from the employee wireless terminal, the program provider 525 extracts a predetermined wireless banking program file matching the employee wireless terminal information from the wireless banking program D / B. It features.

According to another exemplary embodiment of the present invention, the wireless banking program D / B stores a predetermined wireless banking program source capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal. When the predetermined program request information is received from the employee wireless terminal, the program provider 525 extracts a predetermined wireless banking program source matched with the employee wireless terminal information from the wireless banking program D / B. Compiling the extracted wireless banking program source to generate a predetermined wireless banking program to be provided to the employee wireless terminal.

Thereafter, the program providing unit 525 provides the wireless banking program extracted (and / or dynamically generated) in conjunction with the interface unit 505 to the employee wireless terminal through the wireless communication network for remote mounting. Those skilled in the art to which the present invention pertains will be familiar with the method of remotely mounting the wireless banking program (for example, the method of remotely mounting the employee wireless terminal with a program provider certificate attached). Detailed description thereof will be omitted for convenience.

When the wireless banking program is downloaded and remotely mounted to the employee wireless terminal as described above, the employee wireless terminal executes the wireless banking program for the first time to initiate the wireless banking program diagnosis mode for authenticating the validity of the wireless banking program. It is preferable (or can be omitted according to the intention of those skilled in the art), for this purpose, the program providing server 500 interoperates with the wireless banking program provided in the employee wireless terminal to diagnose the validity of the wireless banking program. It is characterized by comprising a diagnostic unit 530.

According to an embodiment of the present invention, the wireless banking program diagnosis mode includes checking whether the wireless banking program provided and mounted to the employee wireless terminal through the program provider 525 operates normally in the employee wireless terminal. Preferably, the wireless banking program diagnosis mode as described above, when the wireless network is completely open, the program providing server 500 for checking the validity of the wireless banking program provided in the employee wireless terminal. Provide means.

For example, the wireless banking program diagnosis mode transmits predetermined information to be provided to the diagnosis unit 530 through the wireless communication network when the wireless banking program is normally driven in the employee wireless terminal. In step 530, it is preferable to include a process of confirming whether the reserved information is normally received from the employee wireless terminal.

Alternatively, the wireless banking program diagnostic mode emulates whether the wireless banking function corresponding to the banking function information registered by the diagnostic unit 530 through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to include the process.

According to an embodiment of the present invention, the diagnostic unit 530 has a wireless banking function corresponding to the banking function information registered through the information registration system shown in FIG. 1 in association with a predetermined wireless banking server. It's a good idea to emulate whether your program works properly.

Alternatively, in the wireless banking program diagnosis mode, whether the personalized service function corresponding to the corporate personalized menu information registered by the diagnostic unit 530 through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to include the process of emulating.

According to an embodiment of the present invention, the diagnosis unit 530 has a corporate personalized service function corresponding to the corporate personalized menu information registered through the information registration system shown in FIG. It is desirable to emulate the normal operation of the wireless banking program.

According to the present invention, the program providing server 500 is stored in the predetermined program information D / B (545) by linking and processing the wireless banking program information and the employee wireless terminal information remotely mounted and downloaded to the employee wireless terminal. It is characterized by comprising an information storage unit 535 to.

According to an embodiment of the present invention, if the validity of the wireless banking program is confirmed by the diagnostic unit 530, the information storage unit 535 is downloaded to the employee wireless terminal and the wireless banking program information remotely mounted. And the employee wireless terminal information in association with the wireless banking information stored in the program information D / B (545) preferably stored in the program information D / B (545), and then stored in the wireless banking program information and employee wireless The terminal information is used to maintain and repair the wireless banking program provided to the employee wireless terminal, and / or to upgrade the new wireless banking program to the employee wireless terminal.

6 is a diagram illustrating a process of downloading and remotely mounting a wireless banking program for providing a company-specific customized wireless banking service to an employee wireless terminal according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates a method of downloading a predetermined wireless banking program for providing a company-specific customized wireless banking service from the program providing server 500 to the employee wireless terminal through the program providing system configuration shown in FIG. As a process for remote mounting, those skilled in the art to which the present invention pertains, refer to and / or modify the present Figure 6, a predetermined radio for providing the enterprise-specific customized wireless banking service to the customer terminal Although various implementation methods for downloading and remotely mounting a banking program may be inferred, the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 6 in a financial IC chip (eg, a financial institution that provides the wireless banking service) to the employee wireless terminal. Provided with a provided financial IC chip, or a financial IC chip supporting multi-domain), the employee wireless terminal provides and mounts a wireless banking program for providing the financial IC chip-based wireless banking service. Although it is possible to infer an implementation method of providing predetermined wireless banking information to be recorded on a chip and recording it on the financial IC chip, the present invention includes all of the inferred implementation methods, and the implementation method shown in FIG. It is not limited by.

Hereinafter, in FIG. 6, the program providing server 500 illustrated in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 6, the wireless terminal accesses the server through a predetermined wireless communication network, and downloads a predetermined wireless banking program to the employee wireless terminal to remotely mount the wireless banking program to the server to provide the company with a customized wireless banking service. In operation 600, the server extracts (or generates) a predetermined information providing interface screen for providing the wireless banking program to the employee wireless terminal and provides the wireless banking program to the wireless terminal (605).

Thereafter, the wireless terminal inputs (and / or selects) predetermined employee authentication information through the information providing interface screen (610), and inputs the input (and / or selection) of employee authentication information through the wireless communication network. Send to the server (615).

Here, the employee authentication information preferably comprises authentication information that matches at least one or more employee information provided in the employee information D / B (540).

According to an embodiment of the present invention, by extracting predetermined employee wireless terminal information corresponding to the employee wireless terminal by referring to at least one or more system parameter information stored in a memory provided in the employee wireless terminal on the information providing interface screen. When a script (or program) provided to a server is included, the wireless terminal extracts predetermined wireless terminal information corresponding to the employee wireless terminal from the memory unit and transmits the predetermined wireless terminal information to the server through the wireless communication network.

According to another exemplary embodiment of the present invention, when a user interface is provided to the server by receiving predetermined employee wireless terminal information through a predetermined key input device provided in the employee wireless terminal on the information providing interface screen. The employee wireless terminal information is received through the user interface and transmitted to the server through the wireless communication network.

According to another exemplary embodiment of the present invention, the server reads predetermined employee wireless terminal information from communication session information for the employee wireless terminal to which the communication channel is connected, or a mobile communication company server existing on the communication channel. It is possible to request and receive predetermined employee wireless terminal information for the employee wireless terminal from.

The employee wireless terminal information may include at least one identification number (or phone number) and / or a network address of the employee wireless terminal.

The employee wireless terminal information may further include wireless communication company information (or wireless communication network information) corresponding to the wireless communication network to which the employee wireless terminal is connected.

The employee wireless terminal information may further include manufacturer information and / or wireless terminal model (or model) information for the employee wireless terminal.

The employee wireless terminal information may include platform information provided in the employee wireless terminal (eg, when the employee wireless terminal is a mobile communication terminal, at least one or more wireless internet platform for interoperability (WIPI) provided in the wireless terminal). Information, BREW information, GVM / SKVM information, etc.) and / or operating system information.

In addition, when the employee wireless terminal is equipped with a predetermined financial IC chip (for example, a financial IC chip provided by a financial institution that provides the wireless banking service, or a financial IC chip that supports multi-domain), the employee wireless terminal The information may further include the financial IC chip information.

Thereafter, the server checks the validity of the employee corresponding to the employee wireless terminal to mount the wireless banking program through the received employee authentication information in connection with the employee information D / B 540 (620).

If the employee validity is not authenticated (625), the server generates predetermined employee validity error information and transmits it to the wireless terminal through the wireless communication network (630), and provides the information providing interface screen to the wireless terminal. Receives predetermined employee authentication information and employee wireless terminal information, and repeats the process of checking the validity of the employee corresponding to the employee wireless terminal to be equipped with the wireless banking program through the received employee authentication information.

On the contrary, if the employee validity is authenticated (625), the server extracts (and / or dynamically generates) a predetermined wireless banking program matching the employee wireless terminal information from the wireless banking program D / B (640).

According to an embodiment of the present invention, if a predetermined wireless banking program file capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal is stored in the wireless banking program D / B, the employee wireless terminal When predetermined program request information is received from the server, the server preferably extracts a predetermined wireless banking program file matching the employee wireless terminal information from the wireless banking program D / B.

According to another embodiment of the present invention, when a predetermined wireless banking program source capable of operating in an operating system (and / or terminal platform) provided in the employee wireless terminal is stored in the wireless banking program D / B, the employee wireless When predetermined program request information is received from the terminal, the server extracts a predetermined wireless banking program source matching the employee wireless terminal information from the wireless banking program D / B, and compiles the extracted wireless banking program source. It is desirable to dynamically generate a predetermined wireless banking program to be provided to the employee wireless terminal.

Thereafter, the server generates (or extracts) a predetermined program providing interface screen and provides it to the employee wireless terminal through the wireless communication network (655).

The wireless terminal provided with the program providing interface screen inputs (or selects) predetermined program request information through the program providing interface screen (660), and transmits the input (or selected) program request information to the wireless communication network. The server transmits the information to the server through the server 665.

According to an embodiment of the present invention, the program request information may include the wireless carrier information (or wireless communication network information), the manufacturer information and / or radio terminal model (or model) information, or the platform information and / Or operating system information, and / or financial IC chip information, etc. may be further included, whereby the present invention is not limited.

Thereafter, the server checks the validity of the received program request information (670). If the validity of the program request information is not authenticated (675), the server generates predetermined program request error information. After transmitting to the employee wireless terminal through the wireless communication network (655), the program providing interface screen is provided to the wireless terminal to receive a predetermined program request information, and to check the validity of the received program request information Repeat the process.

On the other hand, if the validity of the program request information is authenticated (675), the server provides the wireless banking program extracted (and / or dynamically generated) from the wireless banking program D / B to the wireless terminal through the wireless communication network And remote mount (682).

Those skilled in the art to which the present invention pertains will be familiar with the method of remotely mounting the wireless banking program (for example, the method of remotely mounting the employee wireless terminal with a program provider certificate attached). Detailed description thereof will be omitted for convenience.

If the wireless banking program is remotely mounted to the wireless terminal (684), the wireless terminal executes the wireless banking program to start a diagnostic mode for the wireless banking program (686), and the wireless terminal correspondingly Generates validity diagnostic information through the wireless banking program and transmits the validity diagnostic information to the server through the wireless communication network (688), and the server receives and reads the received validity diagnostic information to validate validity of the wireless banking program. Check (690).

According to an embodiment of the present invention, the wireless banking program diagnosis mode includes checking whether the wireless banking program provided and mounted to the employee wireless terminal through the program provider 525 operates normally in the employee wireless terminal. Preferably, the wireless banking program diagnosis mode as described above, when the wireless network is completely open, the program providing server 500 for checking the validity of the wireless banking program provided in the employee wireless terminal. Provide means.

For example, the wireless banking program diagnosis mode transmits predetermined information to be provided to the server through the wireless communication network when the wireless banking program is normally run in the employee wireless terminal, and the server uses the employee wireless terminal. It is preferable to include a step of confirming whether the reserved information is normally received from.

Alternatively, the wireless banking program diagnostic mode may include emulating, by the server, whether the wireless banking function corresponding to the banking function information registered through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to make.

According to an embodiment of the present invention, the server is connected to a predetermined wireless banking server, the wireless banking function corresponding to the banking function information registered through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is desirable to emulate.

Alternatively, the wireless banking program diagnosis mode may be performed by the server to emulate whether the corporate personalized service function corresponding to the corporate personalized menu information registered through the information registration system shown in FIG. 1 operates normally in the wireless banking program. It is preferable to comprise.

According to an embodiment of the present invention, the server may be connected to a predetermined corporate customized server, the enterprise customized service function corresponding to the corporate customized menu information registered through the information registration system shown in Figure 1 in the wireless banking program It is desirable to emulate whether it works normally.

If the validity of the wireless banking program is not confirmed (692), the server generates a predetermined wireless banking program diagnostic error information and transmits it to the wireless terminal through the wireless communication network (655), then to the wireless terminal The program providing interface screen is provided to receive predetermined program request information, and the process of confirming validity of the received program request information is repeated.

On the other hand, when the validity of the wireless banking program is confirmed (692), the server processes the wireless banking program information mounted on the wireless terminal and predetermined employee wireless terminal information to the predetermined program information D / B (545) Store (660), then the wireless banking program information and employee wireless terminal information stored in the program information D / B (545) to maintain and repair the wireless banking program provided in the employee wireless terminal, and / or the The employee's wireless terminal is used to upgrade the new wireless banking program.

7 is a diagram illustrating the configuration of a wireless terminal 700 function for providing a wireless banking service and a customized service for an enterprise employee according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a functional configuration of a wireless terminal 700 having a wireless banking program for providing a company-specific customized wireless banking service through the program providing system illustrated in FIGS. 3 and / or 5. Specifically, when the wireless terminal 700 is a mobile communication terminal for accessing a code division multiple access (CDMA) stack-based mobile communication network, the preferred mobile communication terminal for providing a wireless banking service and a customized service for the corporate employees It is about functional configuration.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing, and then, in addition to the mobile communication terminal, other wireless terminals 700 for providing the wireless banking service and the customized service for the employees of the enterprise. For example, it is possible to easily infer the functional configuration of a mobile Internet terminal, or a wireless LAN terminal, etc., but the present invention includes all the inferred implementation methods, and the wireless terminal 700 is shown in FIG. It is not limited to the case of a mobile communication terminal.

In terms of hardware, the wireless terminal 700 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 725, and the like. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal , RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit of transmission path, frequency down-conversion circuit of receiving path, and reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 7, the wireless terminal 700 for providing a wireless banking service and a customized service for an enterprise employee basically includes a control unit 705, a screen output unit 710, a sound processor 715, and a key input unit 720. And a wireless processor 730, a near field communication unit 735, a memory unit 750, and a battery 725 for supplying power, and are mounted or detached from the wireless terminal 700 according to an embodiment. It further comprises a functional configuration including a camera unit 740 for reading out predetermined image information from the camera.

The control unit 705 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 700 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software A generic term for program routines and / or program data loaded into the execution memory and computed by the processor to perform specific functions (thus, the radio via the program providing system shown in FIGS. 3 and / or 5). Wireless banking program dedicated to the company (or wireless banking service for corporate employees mounted on the terminal 700) A program routine corresponding to a wireless banking program recorded on a recording medium of the wireless terminal 700 for providing a personalized service will be described as being provided in the controller 705 for convenience. By this, various functions intended to be implemented in the wireless terminal 700 are realized, and the overall operation of the wireless terminal 700 is controlled and managed to realize the above functions. In particular, when power is input to the wireless terminal 700 to perform a function of the controller 705 for controlling and managing the overall operation of the wireless terminal 700, an operating system routine or system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 710 is a liquid crystal display (LCD) driver for outputting a screen and a key input unit 720 by the control unit 705 (for example, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (for example, an LCD panel). The screen output unit 710 performs a wireless banking procedure by interlocking a screen output device (LCD). It is desirable to perform a function of the information output unit 755 which outputs predetermined information required in the process of doing so.

The sound processor 715 encodes a predetermined sound signal input from a microphone included in the wireless terminal 700 and provides the sound signal to the controller 705, or extracted and / or generated by the controller 705. A sound signal is decoded and output through a speaker. To this end, the sound processor 715 includes a predetermined vocoder and a codec. Performs the function of the sound input means provided in the wireless terminal 700 through the sound processing unit 715 and the microphone, or the sound output provided in the wireless terminal 700 through the sound processing unit 715 and a speaker. Perform the function of the means.

The key input unit 720 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 700 controlled by the controller 705. When predetermined information (or signal) is inputted from the controller, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 705. The controller 705 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 700 (eg, each wireless terminal). (700) read key data corresponding to the key event from a key table storing (managing) at least one or more key data corresponding to a specific key event in an input mode and / or an operation mode, and / or with the key event A command for executing a predetermined function that is matched and defined is read. The keypad including the key input unit 720 and at least one key button performs a function of key input means provided in the wireless terminal 700 by interlocking with each other.

The wireless processing unit 730 is associated with the control unit 705 (e.g., a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. And / or providing a mobile communication service including a hand-off and / or call processing procedure, and the base station corresponding to the end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 730 processes the information or signal transmitted from the wireless terminal 700 to the base station to provide a mobile communication service to a CDMA stack, or predetermined information from the CDMA stack received from the base station. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 700 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 730, and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless banking server provided on the mobile communication network and / or a predetermined communication network interworking with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 700 of FIG. 7 is a portable Internet terminal and / or a wireless LAN terminal, the wireless processing unit 730 may be connected to the portable Internet and / or wireless LAN to perform wireless banking for corporate employees. And a functional configuration for providing a predetermined data communication service for providing a service and a customized service.

The short range communication unit 735 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 700 connects a wireless section connecting a predetermined short range device 735 and a predetermined short range wireless communication session through the short range communication unit 735, and the short range device. It is preferable to connect a predetermined communication channel with a wireless banking server provided on a predetermined communication network through a wired section including a predetermined network to which 735 is connected.

The memory unit 750 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 700 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal 700 and information or data therefor. The EEPROM stores at least one information and / or data extracted and / or generated during the execution of an application included in the terminal registration-related parameters and a telephone number (eg, an address book) or the wireless terminal 700. Stored.

According to a preferred embodiment of the present invention, the memory unit 750 is a corporate dedicated wireless banking program code for providing a wireless banking service for the corporate employee and a virtual machine (VM) -based enterprise dedicated wireless banking service for providing customized services Is preferably stored, and the enterprise-only wireless banking program code is executed and loaded into the controller 705.

According to an embodiment of the present invention, the memory unit 750 is at least one schedule used in the process of providing a company-only wireless banking program for providing a company-specific wireless banking service and a company-specific wireless banking service for corporate employees It is desirable to store information and server information.

Here, the schedule information may include at least one piece of information for providing the at least one wireless banking service periodically and / or at least one or more enterprise customized services by the enterprise-only wireless banking program. It is preferable to make it.

According to an embodiment of the present invention, when the enterprise-only wireless banking program provides at least one or more wireless banking services periodically and / or at a specific date and time, the schedule information includes date and time information (or condition) at which the wireless banking service is to be started. Information) and at least one predetermined wireless banking information starting at the date (or condition).

Here, the wireless banking information may include at least one or more financial transaction information that starts at a date (or condition) corresponding to the date and time information (or condition information).

For example, when at least one financial transaction initiated at a date (or condition) corresponding to the date and time information (or condition information) is an account inquiry, the wireless banking information may be used to perform the account inquiry-based financial transaction such as account information and account password. It is preferable to include at least one financial transaction information for processing in a non-face-to-face manner, or at least one financial transaction initiated at a date (or condition) corresponding to the date information (or condition information) to a specific account. In the case of transferring a specific amount of money, the wireless banking information may include at least one or more information for processing the account transfer based financial transaction in a non-face-to-face manner, such as account information, account password, transfer target account information, and at least one non-face-to-face authentication information. It is desirable to include financial transaction information The.

According to another exemplary embodiment of the present invention, when the enterprise-only wireless banking program provides at least one or more enterprise-specific services periodically and / or at a specific date and time, the schedule information may include the date and time information (or Condition information) and at least one piece of predetermined personalized service information disclosed at the date and time (or condition).

Here, the customized service information may include at least one or more corporate customized menu information starting at a date and time (or condition) corresponding to the date and time information (or condition information), or at least one or more items in the corporate customized menu. When the parameter is further included, the customized service information may further include the corporate customized menu information and at least one parameter information corresponding thereto.

For example, when at least one or more of the enterprise customization services started at a date and time (or condition) corresponding to the date and time information (or condition information) is CEO instruction confirmation, the enterprise customization menu information may be CEO indication corresponding to the wireless banking program. It is preferable to include a matter confirmation menu, or when at least one or more enterprise-customized services to be started on a date (or condition) corresponding to the date and time information (or condition information), the company's personalized menu information Preferably, the pay statement confirmation service menu corresponding to the wireless banking program is included. When the payday information is used as a parameter for checking the pay statement, the customized menu information corresponds to the wireless banking program. Salary Statement Confirmation Service Menu and Current Month It further comprises a parameter information including information being preferred.

The server information may also include network address information of at least one server to which the enterprise dedicated wireless banking program needs to connect to provide at least one or more wireless banking services, and / or to provide at least one or more enterprise customized services. It is preferable to make it.

According to an embodiment of the present invention, when at least one or more wireless banking services and at least one enterprise customized service are provided in a predetermined wireless banking server, the server information may include network address information of the wireless banking server. desirable.

According to another embodiment of the present invention, at least one wireless banking service is provided by a predetermined wireless banking server, and in a server other than the wireless banking server (for example, a separate corporate custom server, or a corporate intranet server, etc.). In the case where at least one or more enterprise customized services are all provided, the server information may include network address information of the wireless banking server and network address information of the other server.

According to another exemplary embodiment of the present invention, the memory unit 750 simplifies the information input procedure of the employee in the process of providing the at least one wireless banking service for the corporate employee by the corporate dedicated wireless banking program or And / or store at least one or more wireless banking information for performing a non-face-to-face authentication procedure corresponding to the wireless banking service.

For example, the wireless banking information for simplifying the information input procedure of the employee is preferably made to include the account information of the company employee, whereby the company through the wireless banking program provided in the wireless terminal 700 In the process of providing at least one or more wireless banking services to the employee, the process of inputting the account information of the company employee may be omitted and the automatic input process may be performed.

Alternatively, when the employee periodically transfers a predetermined amount to a specific account through the wireless banking program exclusively for the company, the wireless banking information may be used to transfer the information to the bank account to simplify the procedure for entering the information about the transfer. And a transfer amount information, and thus, the corporate employee periodically transfers a predetermined amount to a specific account through the wireless banking program provided in the wireless terminal 700. Part (or all) of the process of inputting the financial account information and the transfer amount information may be omitted, and the automatic input processing may be performed.

Alternatively, when the employee pays bills periodically through the company-only wireless banking program, the billing institution billing the customer a predetermined bill for the wireless banking information in order to simplify the information input procedure for paying the bills. Information, and bill payment processing information for requesting and receiving bill payment information to be paid by the employee from a server provided in the billing institution, and the like, and thus, the wireless terminal 700 is provided. Through the wireless banking program, a part (or all) of the information input process may be omitted and automatic input processing may be performed in the process of periodically paying utility bills by the corporate employee.

Those skilled in the art to which the present invention pertains will be able to infer various types of wireless banking information in addition to the wireless banking information for simplifying the information input procedure of the employee as described above, and the present invention is inferred It is characterized by including all of the implementation methods.

The wireless banking information may include at least one non-face-to-face authentication information (eg, at least one encryption key / decryption key, security code information, or OTP generator) for performing a face-to-face authentication procedure corresponding to the wireless banking service. It is preferable that it further comprises).

According to another exemplary embodiment of the present invention, the memory unit 750 simplifies the information input procedure of the employee in the process of providing the at least one corporate personalized service for the corporate employee by the corporate dedicated wireless banking program. It is preferable to store at least one or more parameter information.

Here, the parameter information is the corporate employee through the company-specific wireless banking program, corporate bulletin board service menu, salary statement confirmation service menu, CEO instruction confirmation menu, work instruction and confirmation menu, and the business characteristics of each company Various parameters that need to be provided to the server side in order to use a non-reporting menu (for example, a service connection address, a wireless terminal that can be optimally provided through the wireless terminal 700 equipped with the wireless banking program for the enterprise) 700) system information (e.g., screen resolution, number of colors, etc.) is preferably included, whereby the corporate employee provides at least one or more corporate customized services through the wireless banking program provided in the wireless terminal 700. Part of the process of entering various parameters in the process of using (or the entire ) It is possible to be omitted and the processing automatically entered.

The camera unit 740 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 705. Characterized in that.

According to the present invention, the wireless terminal 700 comprises at least one function component corresponding to the enterprise-only wireless banking program function mounted through the program providing system shown in FIGS. 3 and / or 5. It is done.

Referring to FIG. 7, at least one function component corresponding to an enterprise-specific wireless banking program function mounted in the wireless terminal 700 outputs at least one wireless banking service screen in association with the screen output unit 710. Or / or at least one key data for providing the wireless banking service and / or a corporate personalized service in connection with the information output unit 755 for outputting at least one corporate personalized service screen and the key input unit 720. The information input system 760 and the wireless processing unit 730 connect to a predetermined wireless banking server and a communication channel through the wireless communication network, and the information registration system shown in FIG. 1 through the communication channel. The wireless banking unit 770 for performing at least one or more wireless banking procedures corresponding to the registered banking function information, and the non- Connect a communication channel with at least one server (eg, a wireless banking server, an enterprise customized server, or an enterprise intranet server, etc.) that provides the enterprise customized service through the wireless communication network in connection with the processor 730, and the communication. Characterized by comprising a personalized service unit 775 for performing at least one or more corporate custom service procedures corresponding to the corporate custom menu information registered through the information registration system shown in Figure 1 through the channel.

According to the present invention, at least one function component corresponding to the enterprise-only wireless banking program function mounted in the wireless terminal 700 refers to the wireless banking unit 770 with reference to the schedule information stored in the memory unit 750. ) Performs a scheduling procedure for providing at least one or more wireless banking services periodically and / or at a specific date and / or the personalized service unit 775 periodically and / or at a specific date and time with reference to the schedule information. A scheduler 765 is further provided to perform a schedule procedure for providing at least one or more enterprise customized services.

The information output unit 755 outputs at least one wireless banking screen generated by the wireless banking unit 770 (or received from a predetermined wireless banking server) in association with the screen output unit 710. It is done.

The wireless banking screen output by the information output unit 755 may include at least one wireless banking related information output screen generated by the wireless banking unit 770 (or received from a predetermined wireless banking server), and the wireless banking screen. Preferably, the banking unit 770 includes at least one user interface for inputting (or selecting) at least one wireless banking information to a predetermined wireless banking server.

In particular, the wireless banking screen output by the information output unit 755 is applied for a predetermined mortgage as collateral for the salary paid to the employee through the wireless banking program mounted on the employee wireless terminal 700 It is preferable that the secured loan application screen is made, and the secured loan application screen preferably includes a user interface for inputting (or selecting) predetermined loan application information.

When at least one wireless banking information is stored in the memory unit 750 according to an embodiment of the present invention, the user interface includes a predetermined corresponding to the user interface among at least one or more wireless banking information stored in the memory unit 750. Wireless banking information of is preferably extracted and automatically entered.

In addition, the information output unit 755 is at least one generated by the personalized service unit 775 in association with the screen output unit 710 (or received from a predetermined wireless banking server and / or corporate custom server, etc.) It is characterized by outputting the above-described enterprise customized service screen.

Here, the corporate personalized service screen output by the information output unit 755 provides at least one or more information generated by the personalized service unit 775 (or received from a predetermined wireless banking server and / or corporate personalized server, etc.). A screen, and the personalized service unit 775 inputs (or selects) at least one or more personalized service request information to a predetermined wireless banking server and / or a corporate personalized server, or transmits the wireless banking server and / or corporate personalized information. Input (or select) one or more personalized service registration information (for example, various types of information transmitted and registered from the wireless terminal 700 to the wireless banking server and / or the corporate personalized server for corporate personalized service) to the server. At least one user interface is preferably included.

When at least one parameter information is stored in the memory unit 750 according to an embodiment of the present invention, the user interface includes predetermined parameters corresponding to the user interface among at least one parameter information stored in the memory unit 750. Preferably, the information is extracted and automatically entered.

The information output unit 755 outputs a user interface for the wireless banking unit 770 to input (or select) and transmit at least one or more wireless banking information to a predetermined wireless banking server, and / or the information. By the output unit 755, the personalized service unit 775 inputs (or selects) at least one or more personalized service request information to a predetermined wireless banking server and / or a corporate personalized server, or transmits the wireless banking server and And / or when a user interface for inputting (or selecting) one or more personalized service registration information to an enterprise personalized server is output, the information input unit 760 is connected to the key input unit 720 to provide the wireless banking service. And / or receive at least one key data for providing a personalized service to the user interface (or output). Force).

At least one or more key data input (or provided (or output) to the user interface) through the information input unit 760 may include at least one or more wireless banking information corresponding to each user interface, and / or customized service request information, and / or Or it is preferable to correspond to the customized service registration information.

In particular, the information output unit 755 is a security loan application screen for applying for a predetermined mortgage as a collateral for the salary paid to the employee through the wireless banking program mounted on the employee wireless terminal 700 And a user interface for inputting (or selecting) predetermined loan application information on the secured loan application screen, the information input unit 760 is connected to the key input unit 720 to the employee in the enterprise. It is characterized in that to receive (or output) the key data corresponding to the loan application information for applying for a predetermined mortgage loan as a security payment to pay the payment to the user interface.

Here, the loan application information corresponding to at least one key data input (or provided (or output) to the user interface) through the information input unit 760 based on the user interface included in the security loan application screen, the It includes at least one loan application amount and the loan period information and loan repayment information (e.g., date and time of split payment, loan payment date and time information, etc.) that the employee applies for a loan with the salary paid by the company as collateral It is preferable.

At least one wireless banking service that can be provided through the wireless banking unit 770 by the information output unit 755 (eg, at least corresponding to banking function information registered through the information registration system shown in FIG. 1). At least one of a one or more wireless banking functions) outputs a predetermined user interface corresponding to a predetermined wireless banking service provided through the wireless banking unit 770, and is stored in the memory unit 750 in the user interface. When at least one wireless banking information is extracted and automatically input, and / or when at least one wireless banking information is input to the user interface by the information input unit 760, the wireless banking unit 770 is connected to the user interface. At least one wireless banking information inputted according to the wireless banking-based non-face-to-face financial transaction process By transmitting to the wireless banking server, it characterized in that the treatment of at least one financial transaction corresponding to said wireless banking information through the wireless banking server.

According to an exemplary embodiment of the present invention, when at least one wireless banking information is input to the user interface and the communication channel is not connected to the wireless banking server, the wireless banking unit 770 is the wireless processor 730. It is preferable to connect a communication channel with a predetermined wireless banking server through the wireless communication network in conjunction with

According to another exemplary embodiment of the present invention, when at least one wireless banking information is input to the user interface, the wireless banking unit 770 is connected to the wireless banking server when the communication channel is already connected to the wireless banking server. In connection with 730, a process of connecting a predetermined wireless banking server and a communication channel through the wireless communication network may be omitted, and the present invention is not limited thereto.

Thereafter, the wireless banking unit 770 transmits the input wireless banking information to a predetermined wireless banking server according to a wireless banking-based non-face-to-face financial transaction procedure through the communication channel, thereby transmitting the wireless banking information through the wireless banking server. Characterize at least one financial transaction corresponding to the information.

According to an embodiment of the present invention, the wireless banking unit 770 may encrypt the wireless banking information with at least one encryption (eg, secret key (or symmetric key) encryption, and / or public key encryption, and / or electronic envelope encryption). And / or encrypt it according to a key exchange encryption method) and transmit the encrypted data to the wireless banking server. The wireless banking server then decrypts the received wireless banking information with one or more decryption methods corresponding to the encryption method. , Secret key (or symmetric key) decryption, and / or public key decryption, and / or electronic envelope decryption, and / or key exchange decryption.

In addition, the wireless banking unit 770 preferably attaches the electronic signature of the customer to the wireless banking information according to a predetermined digital signature procedure, and then the wireless banking server is attached to the received wireless banking information. It is desirable to verify the customer's digital signature.

In addition, the wireless banking unit 770 generates a predetermined OTP code, and attaches the generated OTP code to the wireless banking information, and then the wireless banking server is a predetermined OTP matching the OTP code It is preferable to generate an authentication code and compare and authenticate with the received OTP code.

According to an embodiment of the present invention, the loan application amount through which the employee pays the salary paid by the company through the information input unit 760 as a security, loan period information and loan repayment information (for example, date / time of loan payment) The loan application information including at least one or more of the repayment method and the loan repayment date and time information), the wireless banking unit 770 transmits the predetermined loan application information including the loan application information through the communication channel. By transmitting to a predetermined wireless banking server according to a wireless banking-based non-face-to-face financial transaction procedure, it is characterized in that the loan set by the company to the employee through the wireless banking server as collateral to process the loan.

According to an embodiment of the present invention, the wireless banking unit 770 may encrypt the loan application information with at least one encryption (eg, secret key (or symmetric key) encryption, and / or public key encryption, and / or electronic envelope encryption). And / or key exchange encryption, etc.) to encrypt the data and transmit the encrypted loan application information to the wireless banking server. Then, the wireless banking server decrypts the received loan application information at least one or more decryption corresponding to the encryption scheme. For example, it is preferable to decrypt according to a secret key (or symmetric key) decryption, and / or public key decryption, and / or electronic envelope decryption, and / or key exchange decryption.

In addition, the wireless banking unit 770 preferably attaches the electronic signature of the customer to the loan application information according to a predetermined digital signature procedure, and then the wireless banking server is attached to the received loan application information It is desirable to verify the customer's digital signature.

In addition, the wireless banking unit 770 generates a predetermined OTP code, and attaches the generated OTP code to the loan application information, and then the wireless banking server is a predetermined OTP matching the OTP code It is preferable to generate an authentication code and compare and authenticate with the received OTP code.

At least one or more enterprise customization services that may be provided through the wireless banking unit 770 by the information output unit 755 (eg, at least corresponding to an enterprise customization menu registered through the information registration system shown in FIG. 1). At least one user interface corresponding to a predetermined corporate personalized service provided through the personalized service unit 775 is output, and is stored in the memory unit 750 in the user interface. When one or more parameter information is extracted and automatically input, and / or at least one or more parameter information and / or custom service request information and / or custom service registration information are input to the user interface by the information input unit 760, The personalized service unit 775 is at least one input to the user interface Transmitting the parameter information and / or the customized service request information and / or the customized service registration information to a predetermined wireless banking server and / or an enterprise customized server, thereby providing the parameter information and / or via the wireless banking server and / or the enterprise customized server. At least one financial transaction corresponding to the customized service request information and / or the customized service registration information.

According to an exemplary embodiment of the present invention, a communication channel with the wireless banking server and / or an enterprise personalized server in a state in which at least one parameter information and / or personalized service request information and / or personalized service registration information are input to the user interface. When not connected, the personalized service unit 775 may connect a communication channel with a predetermined wireless banking server and / or an enterprise personalized server through the wireless communication network in association with the wireless processing unit 730.

According to another exemplary embodiment of the present invention, communication with the wireless banking server and / or an enterprise-customized server is performed with at least one parameter information and / or personalized service request information and / or personalized service registration information input to the user interface. If the channel is already connected, the custom service unit 775 omits the process of connecting a communication channel with a predetermined wireless banking server and / or a corporate custom server through the wireless communication network in connection with the wireless processing unit 730. The present invention is not limited thereto.

Thereafter, the personalized service unit 775 transmits the input parameter information and / or personalized service request information and / or personalized service registration information to the wireless banking server and / or the corporate personalized server through the communication channel. Providing at least one corporate customized service corresponding to the parameter information and / or customized service request information and / or customized service registration information through a wireless banking server and / or an enterprise customized server.

The scheduler 765 periodically and through predetermined schedule information stored in the memory unit 750 in association with the wireless banking unit 770, server information corresponding to the schedule, and wireless banking information corresponding to the schedule. And / or a schedule procedure for providing at least one wireless banking service at a specific date and time.

According to an exemplary embodiment of the present invention, the scheduler 765 is linked with the wireless banking unit 770 to the wireless banking server through a wireless banking server corresponding to the server information at the payout date and time corresponding to the schedule information. By querying the employee's financial account (or salary account) corresponding to the information, periodically check whether a predetermined salary is paid to the employee's financial account (or salary account), and if the employee's financial account (or salary account) If a predetermined salary is paid), it is preferable to output the salary payment information through the information output unit 755.

Alternatively, the scheduler 765 may be connected to the wireless banking unit 770 to provide a billing server (or an EBPP server, etc.) and the wireless banking server corresponding to the server information at a billing date and time corresponding to the schedule information. It is preferable to perform a financial transaction procedure for paying the utility bill corresponding to the utility bill payment information in the financial account (or payroll account) of the employee through the billing agency information and the bill payment information corresponding to the wireless banking information.

Alternatively, the scheduler 765 may correspond to the wireless banking information through the wireless banking server corresponding to the server information at a parent / child allowance payment date corresponding to the schedule information in association with the wireless banking unit 770. It is preferable to carry out a financial transaction procedure for transferring a predetermined allowance to a parent / child financial account.

Those skilled in the art will be able to infer various types of schedule-based wireless banking functions in addition to the illustrated schedule-based wireless banking function, and the present invention provides all the inferred schedule-based wireless banking functions. It is characterized by comprising a function.

In addition, the scheduler 765 periodically performs predetermined schedule information stored in the memory unit 750 in association with the personalized service unit 775, server information corresponding to the schedule, and parameter information corresponding to the schedule. And / or perform a scheduling procedure for providing at least one enterprise customized service at a specific date and time.

According to an exemplary embodiment of the present invention, the scheduler 765 may be connected to the personalized service unit 775 in response to the server information on the salary payment date corresponding to the schedule information. By providing the employee information corresponding to the parameter information to the intranet server), periodically check the pay statement for the employee, and if the pay statement is confirmed, the pay statement is output through the information output unit 755 It is desirable to.

Alternatively, the scheduler 765 may be connected to the personalized service unit 775 to the corporate customized server (or an intranet server of the corresponding company) corresponding to the server information every morning at work time corresponding to the schedule information. By providing the employee information corresponding to the information, periodically check the CEO instructions and / or business instructions for the employee, and if the instructions are confirmed, the instructions through the information output unit 755 It is preferable to output.

Those skilled in the art to which the present invention pertains will be able to infer various types of schedule-based enterprise customization services in addition to the above-described schedule-based enterprise customization services, and the present invention provides all the inferred schedule-based enterprise customization. Characterized by including a service.

FIG. 8 is a diagram illustrating a configuration of an enterprise customized wireless banking system for providing an enterprise employee wireless banking service and an enterprise customized service according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a wireless banking program that provides a wireless banking service for a corporate employee and a customized service to an employee wireless terminal illustrated in FIG. 7 through a program providing system illustrated in FIGS. 3 and / or 5. When provided, the wireless banking system for providing a wireless banking service and a personalized service for the corporate employee through the wireless banking program, specifically, the corporate customized to the wireless banking server that provides a wireless banking service for the corporate employee The implementation method provided with the functional structure which provides a service is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for the configuration of the enterprise-specific wireless banking system for providing a wireless banking service and personalized service for the corporate staff by referring to and / or modifying the Figure 8 It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 8 according to an embodiment of the present invention, the corporate customized wireless banking system for providing a wireless banking service for a corporate employee and a corporate customized service may include a wireless banking service and a corporate personalized service for a corporate employee through a predetermined wireless communication network. At least one wireless terminal provided with a wireless banking program for providing a service, and a wireless banking service for providing a corporate banking service and a company-specific service in connection with a wireless banking program provided in the wireless terminal through a predetermined wireless communication network. A banking system and the wireless banking server, wherein the wireless banking server is connected to the wireless banking server through a predetermined interface means to provide a wireless banking service for a corporate employee in connection with a wireless banking program provided in the wireless terminal. Is provided in the wireless terminal And a storage medium 855 for storing at least one corporate personalized service information for providing a corporate personalized service in connection with a wireless banking program.

The wireless terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on the IEEE 802.16x standard, and / or a wireless terminal operating based on the IEEE 802.11x standard. Characterized in that it comprises at least one or more of the LAN terminal, characterized in that the wireless terminal is provided with a wireless banking program for providing a wireless banking service and personalized service for the corporate staff.

According to an embodiment of the present invention, when the wireless terminal is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal is connected may include the CDMA stack-based mobile communication network. The mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another embodiment of the present invention, when the wireless terminal is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.16x based portable Internet.

According to another exemplary embodiment of the present invention, when the wireless terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.11x based wireless LAN.

According to the present invention, the wireless banking program provided in the wireless terminal is connected to a wireless banking server connected to the wireless terminal using a wireless communication function provided in the wireless terminal to a predetermined wireless banking server, and provides a wireless banking service for corporate employees. It is characterized by connecting a communication channel for providing a customized service.

According to the present invention, a wireless banking program provided in the wireless terminal uses a wireless communication function provided in the wireless terminal to connect a wireless communication network to which a wireless bank is connected to a predetermined wireless banking server to provide a wireless banking service for corporate employees. And to transmit predetermined wireless banking request information to the wireless banking server through the communication channel, wherein the wireless banking server receiving the wireless banking request information is at least one included in the wireless banking request information. With reference to the above-mentioned wireless banking information, it is characterized by performing a ledger-based financial transaction procedure corresponding to the wireless banking request information in connection with a predetermined financial system.

The wireless banking request information includes employee financial account information established on the financial system in the name of the corporate employee and at least one financial transaction information for processing a predetermined financial transaction using the employee financial account. desirable.

In addition, the wireless banking request information preferably comprises a financial transaction amount information input through a predetermined key input means provided in the wireless terminal, wherein the financial transaction amount information is withdrawn from the employee financial account It is preferable to include at least one or more of the amount, and / or the amount deposited into the employee financial account, it may be omitted (eg, account inquiry transaction) according to the type of financial transaction, thereby limiting the present invention No.

The wireless banking request information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless terminal, wherein the wireless banking authentication information corresponds to the employee financial account. The account password, and / or the financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking request information, and / or the security code (eg, printed on a security card issued to a customer). Security code, and / or a combination of at least two or more security codes), and / or at least one OTP code generated through a predetermined OTP generator.

The wireless banking request information may further include financial transaction code information for identifying (or identifying) a financial transaction type requested from the wireless terminal to the wireless banking server.

In addition, the wireless banking request information includes at least one or more deposit account information (for example, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and And / or virtual account information (e.g., when a financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to a virtual account, etc.) It is preferable to make.

According to the present invention, the wireless banking program provided in the wireless terminal is provided to the employee in the enterprise by connecting a wireless communication network to which the wireless terminal is connected to a predetermined wireless banking server using a wireless communication function provided in the wireless terminal. In order to apply for a small security loan as a security to the salary, characterized in that for transmitting the security loan request information including predetermined loan application information to the wireless banking server through the communication channel, receiving the wireless loan request information The wireless banking server performs a loan screening procedure for the employee through loan application information included in the payday loan request information, and if the payday loan is approved to the employee as a result of the loan screening, the financial system In connection with the loan application information, And that is characterized.

The loan application information may include at least one predetermined loan application amount, loan period information, and loan repayment information (eg, loan / date / divided repayment method, loan repayment date and time information, etc.).

According to an embodiment of the present invention, the payday loan request information is preferably made by the company includes employee payroll account information that provides a predetermined salary to the customer.

The payday loan request information may include an account password corresponding to the employee payroll account and / or a financial transaction password (eg, a bank transfer password) for processing the payday loan through the payday loan request information; And / or at least one security code (e.g., a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or an OTP code generated through a predetermined OTP generator. It is preferable to make it.

According to the present invention, the wireless banking program provided in the wireless terminal uses a wireless communication function provided in the wireless terminal to provide a personalized service by connecting a wireless communication network to which the wireless terminal is connected to a predetermined wireless banking server. Characterized by the company specific service request information is transmitted to the wireless banking server through the communication channel.

According to an exemplary embodiment of the present invention, when the enterprise personalized service corresponding to the enterprise personalized service request information is an information verification service such as a predetermined salary statement confirmation service, a CEO instruction confirmation service, a business instruction and confirmation service, and the like, the wireless bang The king server extracts predetermined corporate personalized service information to be transmitted to the wireless terminal in association with a storage medium 855 which stores at least one corporate personalized service information, and transmits the extracted corporate personalized service information through the communication channel. It is preferable to provide to the wireless terminal.

According to another exemplary embodiment of the present invention, when the enterprise customized service corresponding to the enterprise personalized service request information is an information registration service such as a predetermined corporate bulletin board service and a business characteristic of each company, the wireless banking server It is preferable to generate (or extract) predetermined air interface information for registering the information and provide the same to the wireless terminal, and correspondingly, the wireless banking program included in the wireless terminal corresponds to the predetermined air interface information. Preferably, the wireless banking server inputs (or selects) predetermined parameter information and / or customized service registration information through a wireless interface, and then the wireless banking server provides a customized service based on the received parameter information. Store the registered information in a predetermined storage medium (855). It is desirable.

According to another exemplary embodiment of the present invention, the enterprise customized service corresponding to the enterprise customized service request information is an information providing service such as a business reporting service according to the business characteristics of each company, and is predetermined in the received corporate customized service request information. When the parameter information and / or the customized service registration information is included, the wireless banking server preferably stores the customized service registration information in a predetermined storage medium 855 based on the received parameter information.

According to the present invention, the wireless banking server connects and manages a wireless banking program provided to the wireless terminal through a wireless communication network, and a communication channel for providing a corporate banking service and a wireless banking service for corporate employees. It is characterized by comprising a portion 805.

According to an embodiment of the present invention, a communication channel connected between the wireless banking program provided to the wireless terminal and the wireless banking server by the wireless banking interface unit 805 may be provided between the wireless banking program and the wireless banking server. It is preferable to include a data communication channel for transmitting and receiving at least one or more financial transaction data (eg, wireless banking request information, or wireless banking result information, etc.) through the defined financial transaction communication protocol.

According to an embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one or more encryption schemes, and for this purpose, a wireless banking program provided to the wireless terminal and / or Alternatively, the wireless banking server is preferably provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server in the wireless banking program provided in the wireless terminal through the communication channel is preferably attached to the electronic signature of the wireless terminal customer, for this purpose The wireless banking program may include an electronic signature attaching function for the financial transaction data, and the wireless banking server may be provided with an electronic signature verification function for the financial transaction data.

Referring to FIG. 8, the wireless banking server receives at least one or more wireless banking request information and / or payday loan request information and / or an enterprise customized service request information from the wireless terminal through the wireless banking interface unit 805. The information receiving unit 810 and the information checking unit 815 confirms whether the wireless banking request information is received through the information receiving unit 810, payroll loan request information is received, or whether the company-specific service request information is received. And, when it is confirmed that the wireless banking request information is received through the information checking unit 815, the wireless banking request information is read to extract at least one financial transaction related information, and the financial transaction related information is read. Based on the wireless banking request information in connection with a predetermined financial system through a predetermined interface means. When it is confirmed that the banking processing unit 820 for performing a financial transaction procedure and the loan application information are received through the information checking unit 815, the loan application information included in the payday loan request information is read. Loan processing unit 825 to perform a loan screening procedure for the employee, and if the loan screening is approved, performing a loan processing procedure corresponding to the loan application information in connection with a predetermined financial system through the predetermined interface means. And after the loan processing procedure corresponding to the loan application information is performed to the employee through the loan processing unit 825, the company periodically checks whether a predetermined salary is paid to the employee, and the salary is paid. If the loan application information in response to the loan application information and the loan settlement unit 835 for processing And an information transmitter 830 for generating wireless banking result information processed by the banking processor 820 and providing it to the wireless terminal in association with the wireless banking interface unit 805. It is characterized by.

In addition, the wireless banking server, in response to confirming that the customized service request information is received through the information checking unit 815, in response to the customized service request information in association with the wireless banking interface unit 805 At least one company corresponding to the customized service request information through a wireless interface providing unit 840 for providing a wireless interface to the wireless terminal and the wireless interface provided by the wireless interface providing unit 840 to the wireless terminal. Characterized in that it comprises a custom service processing unit 845 that provides a custom service.

In addition, the wireless banking server authenticates the validity of the corporate employee in connection with a predetermined employee information D / B (860) to provide a wireless banking service and a personalized service for the corporate employee through the wireless banking program Characterized in that the employee authentication unit 850 is further provided, wherein the position of the employee information D / B (860) is at least one or more to the corporate employee through the wireless banking program provided in the corporate employee wireless terminal It is preferably provided in a wireless banking server for providing a wireless banking service, or in the intranet server side provided in the enterprise.

According to an embodiment of the present invention, when the employee information D / B 860 is provided in the wireless banking server, the predetermined employee authentication information is provided to the wireless banking server in the wireless banking program provided in the wireless terminal. Then, the employee certification unit 850 is preferably in connection with the employee information D / B (860) to authenticate the validity of the employee through the received employee authentication information.

According to another exemplary embodiment of the present invention, when the employee information D / B 860 is provided in a separate server (for example, an intranet server or a DB server of the company) in addition to the wireless banking server, When the provided employee authentication information is provided to the wireless banking server in the provided wireless banking program, the employee authentication unit 850 sends the employee authentication information to a separate server provided with the employee information D / B 860. It is preferable to include a procedure for relaying, and receiving the employee authentication results corresponding to the phase employee authentication information from the separate server.

The information receiving unit 810 is the wireless banking program is driven in the wireless terminal, at least one or more wireless banking request information for providing a wireless banking service for the corporate employee through the wireless banking program is input (or generated) When the data is transmitted through the wireless communication network, the wireless banking interface unit 805 may receive the wireless banking request information transmitted from the wireless terminal.

According to an embodiment of the present invention, the wireless banking request information may include at least one encryption scheme (eg, a secret key (or symmetric key) encryption scheme, a public key encryption scheme, and / or an electronic envelope encryption scheme) in the wireless banking program. And / or a key exchange encryption scheme, etc.), the information receiver 810 further includes a function of decrypting the encrypted wireless banking request information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

In addition, the information receiving unit 810 is a predetermined loan for driving a predetermined loan by setting the salary paid to the employee in the company through the wireless banking program, the wireless banking program is driven in the wireless banking program When the application information is input (or generated) and predetermined salary security loan request information including the loan application information is transmitted through the wireless communication network, the wireless banking interface unit 805 transmits the information from the wireless terminal. Receive payroll loan request information.

According to an embodiment of the present invention, the payday loan request information is at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or an electronic envelope in the wireless banking program). When encrypted and transmitted according to an encryption method, and / or a key exchange encryption method), the information receiving unit 810 decrypts the encrypted payday loan request information by a predetermined decryption method corresponding to the encryption method. It is preferable to further comprise.

In addition, the information receiving unit 810 is the wireless banking program is driven in the wireless terminal, at least one or more enterprise-specific service request information for providing a company-specific service to the corporate employee through the wireless banking program input (or generated) When received through the wireless communication network, and receives the enterprise-specific service request information transmitted from the wireless terminal through the wireless banking interface unit 805.

The information checking unit 815 checks whether the wireless banking request information is received through the information receiving unit 810, or whether the service information for the enterprise tailored service is received, and wireless banking through the information receiving unit 810. When the request information is received, the wireless banking request information is provided to the banking processor 820.

When it is confirmed through the information receiving unit 810 that at least one or more wireless banking request information for providing a wireless banking service for the corporate employee has been received (or received and decrypted), the banking processor 820 may request the wireless banking request information. And extracting at least one financial transaction related information for providing a wireless banking service to the corporate employee.

According to the exemplary embodiment of the present invention, the financial transaction related information extracted from the wireless banking request information basically includes financial transaction code information, employee financial account information, and wireless banking authentication information. When the financial transaction type corresponding to the information is a financial transaction including at least one cash movement, the financial transaction related information extracted from the wireless banking request information may further include financial transaction amount information.

In addition, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the financial transaction related information extracted from the wireless banking request information may include at least one deposit account information (for example, a transfer amount of the bank transfer). It is preferable to further comprise a deposit account number).

When at least one financial transaction related information is extracted from the wireless banking request information, the banking processing unit 820 may designate a predetermined financial system (eg, an interface connecting a wireless banking server and a financial system) through a predetermined interface means. And a predetermined financial transaction procedure for providing a wireless banking service to employees of the company based on the extracted financial transaction-related information in connection with the financial system in which the employee financial account corresponding to the employee financial account information is opened. It is characterized by.

When it is confirmed that predetermined salary security loan request information for applying for a predetermined loan is received (or received and decrypted) by setting the salary paid by the company to the employee through the information receiving unit 810 as collateral, the loan The processing unit 825 may include the loan application amount included in the loan application information included in the payday loan request information, loan period information and loan repayment information (for example, date / time of split payment of the loan, repayment date and time of the loan), and the like. It is characterized by judging that the company pays the loan application amount during the loan period by setting the salary paid to the employee in the company as collateral.

According to the implementation method of the present invention, the loan processing unit 825 checks whether the loan application amount and the interest accordingly during the loan period can be fully repaid during the loan period based on the salary information of the employee, from the company to the employee. It is desirable to set a benefit to be paid as a collateral to examine whether the loan corresponding to the loan application information can be processed.

Alternatively, the loan processing unit 825 checks the financial transaction details of the employee's payroll account, and after the predetermined salary is paid to the employee in the company, the employee's required expenses based on the withdrawal history of the salary. By checking whether the loan application amount and the interest can be fully repaid during the loan period based on the remaining amount except for the expense, the salary paid to the employee by the company as collateral to respond to the loan application information It is advisable to examine whether the loan can be processed.

Alternatively, the loan processing unit 825 sets a salary paid to the employee by the company by inquiring whether the employee is included in the restructuring target within the loan period to the terminal of the personnel in charge of the corporate terminal 890. It is possible to examine whether the loan corresponding to the loan application information can be processed.

In the technical field to which the present invention belongs, the loan processing unit 825 sets the salary paid to the employee in the company as collateral to examine the loan of the loan application amount during the loan period. Various implementation methods may be inferred, but the present invention is characterized by including all the implementation methods inferred.

If it is determined that the auditor can process the loan corresponding to the loan application information by setting the salary paid to the employee as collateral, the loan processing unit 825 is linked with the financial system. Withdraw the loan application amount included in the loan application information from the loan processing mother account of the institution and deposit it in the employee's financial account, and generate predetermined ledger information (eg, loan ledger information) corresponding to the loan processing and the employee It is characterized in that stored in association with the ledger corresponding to the financial account (for example, customer ledger, or account ledger).

According to the method of the present invention, after the loan processing corresponding to the loan application information is performed, the loan processing unit 825 generates predetermined loan processing information including a loan processing history corresponding to the loan application information. Preferably, the information is stored in the storage medium 855 in association with the employee information, and the loan processing information is then provided to the wireless terminal according to the information confirmation service procedure of the customized service and output through the wireless banking program. It is preferable to be.

In addition, after the loan processing corresponding to the loan application information is performed, the loan processing unit 825, when a predetermined salary is deposited from the company to the employee salary account in connection with the financial system, It is preferable to set an automatic lock function to prevent the loan repayment amount from being withdrawn until the loan repayment date and time corresponding to the loan repayment information (for example, the date and time of the loan repayment / division repayment method, the loan repayment date and time information).

After the loan processing corresponding to the loan application information is performed, the loan settlement unit 835 periodically checks whether the company pays a predetermined salary to the employee salary account in connection with the financial system. When it is confirmed that the company has paid a predetermined salary to the employee salary account, the loan settlement unit 835 is loan repayment information of the loan application information among the amounts deposited into the employee salary account (for example, the date and time of the loan). And the repayment of the loan payment until the loan payment repayment date corresponding to the split repayment method, the loan repayment date and time information, etc.).

Subsequently, when a loan repayment date corresponding to the loan repayment information of the loan application information (e.g., the date / time of a loan repayment / division repayment method, loan repayment date and time information, etc.) arrives (or the loan repayment date is the same as the salary payment date) When a predetermined salary is deposited into the employee's salary account, the loan settlement unit 835 connects the predetermined loan repayment amount according to the loan repayment method corresponding to the loan repayment information of the loan application information in connection with the financial system. Interest is withdrawn from the employee payroll account, characterized in that the deposit to the mother account for loan processing of the financial institution.

In addition, after the financial transaction corresponding to the loan repayment is performed, the loan settlement unit 835 generates predetermined ledger information (eg, loan ledger information) corresponding to the loan repayment processing to correspond to the employee financial account. (Eg, customer ledger, or account ledger) is characterized in that the processing to store.

According to the implementation method of the present invention, after the loan repayment procedure is performed, the loan settlement unit 835 generates predetermined settlement processing information including settlement processing details corresponding to the loan repayment and associates with the employee information. It is preferable to process and store the information in the storage medium 855. Then, the settlement processing information is preferably provided to the wireless terminal according to the information confirmation service procedure of the enterprise customized service and output through the wireless banking program.

The financial system is a general term for a financial computer system in which employee financial accounts corresponding to the employee financial account information are opened. Referring to FIG. 8, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on an account, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); An information system for the processing of headquarters operations and branch information support and customer information management, an interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., Internet, banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) access to the financial system, and / or various ones through at least one common network (eg, CD common network, financial common network). And an external system that provides a financial transaction interface, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and an internal component of the financial system. DBMS (DataBase Management System) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in an element. It is characterized by comprising a).

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

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

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

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the financial system to provide a wireless banking service for the corporate staff based on at least one or more financial transaction-related information for providing the wireless banking service for the corporate staff. Since you will be familiar with an embodiment of performing a financial transaction procedure for, the detailed description thereof will be omitted for convenience.

When the banking processing unit 820 completes a financial transaction procedure for providing a wireless banking service for the corporate employee in connection with the financial system, the information transmission unit 830 provides a predetermined financial transaction history corresponding to the financial transaction procedure. Generating wireless banking result information including a, and in conjunction with the wireless banking interface unit 805, characterized in that for transmitting the generated wireless banking result information to the wireless terminal through the wireless communication network.

According to an embodiment of the present invention, the financial transaction details include a financial transaction approval history for a financial transaction procedure for providing a wireless banking service and a personalized service for the corporate employee, or at least one or more of the financial transaction procedures. It is desirable to include a financial transaction error history.

The wireless terminal that has received the wireless banking result information from the wireless banking server through the wireless communication network reads the financial transaction details contained in the received wireless banking result information through the wireless banking program, and reads the read finance. The transaction history information (for example, financial transaction approval history information or financial transaction error history information) is output to the screen output means provided in the wireless terminal.

When it is confirmed through the information receiving unit 810 that at least one or more corporate personalized service request information for providing the corporate personalized service to the corporate employee is received, the information verification unit 815 corresponds to the corporate personalized service request information It is characterized by checking whether the type of enterprise customized service is an information verification service, an information registration service, or an information provision service.

According to an exemplary embodiment of the present invention, when the enterprise-customized service corresponding to the enterprise-customized service request information is an information verification service such as a predetermined salary statement confirmation service, a CEO instruction confirmation service, a work instruction and confirmation service, and the like, the information confirmation The unit 815 may provide the received corporate personalized service request information to the personalized service processor 845.

The personalized service processor 845 provides the personalized service request information in association with a storage medium 855 that stores at least one personalized service information for providing an information confirmation service corresponding to the personalized service request information. And extracting predetermined corporate personalized service information corresponding to and providing the extracted corporate personalized service information to the wireless terminal through the communication channel.

According to the exemplary embodiment of the present invention, when the corporate personalized service information stored in the storage medium 855 does not include a data structure that can be output through a wireless banking program provided in the wireless terminal, the personalized service processing unit ( 845 preferably further comprises converting the data structure of the enterprise-specific service information extracted from the storage medium 855 into a data structure that can be output through a wireless banking program provided in the wireless terminal.

For example, when the encoding method of the character information stored in the storage medium 855 is not compatible with the wireless banking program provided in the wireless terminal, the personalized service processor 845 stores the character information in the wireless manner. It is preferable to encode in an encoding method that can be output through a wireless banking program provided in the terminal.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content stored in the storage medium 855 is not compatible with the wireless banking program provided in the wireless terminal, the custom The service processor 845 converts a file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless banking program included in the wireless terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the enterprise personalized service corresponding to the enterprise personalized service request information is an information registration service such as a predetermined corporate bulletin board service and a business characteristic of each company, the information checking unit 815 may provide the received corporate personalized service request information to the air interface providing unit 840.

The wireless interface providing unit 840 generates predetermined wireless interface information that matches the wireless interface for inputting (or selecting) predetermined information corresponding to the enterprise service request information in a wireless banking program included in the wireless terminal. (Or extract) and transmit the data to the wireless terminal through the communication channel.

For example, when the information registration service is an enterprise bulletin board service, the air interface information transmitted by the air interface provider 840 to the radio terminal preferably includes the enterprise bulletin board list information.

Alternatively, when the information registration service is a business reporting service according to the business characteristics of each company, the air interface information transmitted by the wireless interface providing unit 840 to the wireless terminal is an update procedure (or payment procedure) of the business report. It is preferable to include the storage location information according to.

Thereafter, the wireless banking program included in the wireless terminal inputs (or selects) predetermined parameter information and / or customized service registration information corresponding to the enterprise customized service request information through a predetermined wireless interface corresponding to the wireless interface information. It is preferable to transmit to the wireless banking server, and the predetermined parameter information and / or the customized service registration information corresponding to the enterprise customized service request information is received through the wireless banking interface unit 805 to the information receiving unit 810 The predetermined parameter information and / or the customized service registration information, which is received at and corresponding to the enterprise customized service request information, are provided to the customized service processing unit 845.

When predetermined parameter information and / or customized service registration information corresponding to the enterprise customized service request information is received from the wireless banking program provided in the wireless terminal, the customized service processor 845 based on the received parameter information. The personalized service registration information may be stored in a predetermined storage medium 855.

According to an embodiment of the present invention, the personalized service registration information stored in the storage medium 855 in response to the information registration service is provided to a wireless terminal of another employee through the information verification service to be confirmed, and / or the At least one corporate terminal 890 provided in the enterprise is confirmed.

According to another exemplary embodiment of the present invention, the enterprise customized service corresponding to the enterprise customized service request information is an information providing service such as a business reporting service according to the business characteristics of each company, and is predetermined in the received corporate customized service request information. When the parameter information and / or the personalized service registration information is included, the information check unit 815 is characterized in that for providing the received corporate personalized service request information to the personalized service processing unit 845.

When the corporate personalized service request information including predetermined parameter information and / or personalized service registration information is received from the wireless banking program provided in the wireless terminal, the personalized service processor 845 based on the received parameter information. The personalized service registration information may be stored in a predetermined storage medium 855.

According to an embodiment of the present invention, the personalized service registration information stored in the storage medium 855 in response to the information registration service is provided to a wireless terminal of another employee through the information verification service to be confirmed, and / or the At least one corporate terminal 890 provided in the enterprise is confirmed.

According to the present invention, the wireless interface study 840 and / or customized service processing unit 845 provided in the wireless banking server is used to provide at least one or more enterprise customized service corresponding to the enterprise customized service request information The storage medium 855 stores at least one company customized service information registered through the corporate terminal 890 and / or at least one company customized service information registered through the employee's wireless terminal. In addition, the storage medium 855 may be provided in the wireless banking server, or both may be associated with the wireless banking server, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the enterprise customized service information stored in the storage medium 855 may include at least one or more instruction information (eg, CEO instruction confirmation service or business instruction) registered through the corporate terminal 890. And confirmation service) and employee information (or employee group information) for confirming the above instructions, preferably, the company-specific service information including the instruction information and employee information (or employee group information). Preferably, the personalized service processor 845 is used to provide predetermined instruction information checking service to at least one or more employee wireless terminals corresponding to the employee information.

Alternatively, the customized service information stored in the storage medium 855 may include at least one bulletin board registration information registered through the corporate terminal 890 and / or at least one bulletin board registered through the employee's wireless terminal. It is preferable that the registration information is included, and the corporate customized service information including the bulletin board registration information is used by the customized service processor 845 to provide a predetermined bulletin board information registration service to at least one employee wireless terminal. desirable.

Alternatively, the personalized service information stored in the storage medium 855 may be formed by linking at least one salary statement information registered through the corporate terminal 890 with employee information for confirming the salary statement. The personalized service information including the salary statement information and employee information is used by the personalized service processor 845 to provide a predetermined salary statement information verification service to a predetermined employee wireless terminal corresponding to the employee information. It is preferable.

In the technical field to which the present invention pertains, a variety of information configurations for the customized service information stored in the storage medium 855, and in response to the customized service processing unit 845 to the employee wireless terminal Various implementation methods for providing at least one or more information confirmation services, and / or information registration services, and / or information provision services may be inferred, but the present invention is characterized by including all the inferred implementation methods. .

According to the present invention, the corporate personalized wireless banking system for providing a corporate banking service and the corporate personalized service for employees, receiving at least one or more corporate personalized service information from the corporate terminal 890 to the storage medium 855 It is preferable that the information registration server 865 is stored.

The enterprise terminal 890 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). It is preferable to include at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 865 through a communication.

According to another embodiment of the present invention, the enterprise terminal 890 is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / Or at least one wireless terminal including at least one portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, and / or a wireless LAN terminal connected to IEEE 802.11x based wireless LAN communication network. The present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the corporate terminal 890 preferably includes at least one employee terminal or CEO terminal provided in a company that provides the enterprise customized service.

The corporate terminal 890 outputs at least one interface screen provided by the information registration server 865, and inputs and / or selects at least one or more information through the interface screen to the information registration server 865. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the enterprise terminal 890 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

When the corporate terminal 890 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP based wired communication network, and when the corporate terminal 890 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

According to an embodiment of the present invention, the information registration server 865 communicates with the enterprise terminal 890 through the network means in order to provide a web interface corresponding to the enterprise terminal 890 and the network means. And an interface unit 870 for connecting and managing channels, whereby the information registration server 865 is connected to the enterprise terminal 890 through a wired communication network and / or a wireless communication network. It has the function of the server 300.

According to an exemplary embodiment of the present invention, when the corporate terminal 890 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 870 may connect the enterprise terminal 890 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the enterprise terminal 890 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing predetermined corporate personalized service information input (or selected) through the interface screen from the corporate terminal 890.

According to another exemplary embodiment of the present invention, when the corporate terminal 890 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 870 connects to the corporate terminal 890 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of Wireless Markup Language (WML) and / or HTML compatible document to the enterprise terminal 890 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen, and receiving and processing predetermined corporate personalized service information corresponding to the interface screen from the corporate terminal 890.

According to another exemplary embodiment of the present invention, when the corporate terminal 890 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 870 may be connected to the corporate terminal 890. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined interface screen and / or information providing screen to the enterprise terminal 890 through the communication channel, It is preferable to perform a function of receiving and processing predetermined enterprise customized service information corresponding to the interface screen from the enterprise terminal 890, and / or the enterprise terminal 890 communicates through a wireless communication network based on IEEE 802.11x. When the channel is connected to the wireless terminal, the interface unit 870 is based on the wireless protocol corresponding to the enterprise terminal 890 and the IEEE 802.11x standard. A predetermined communication channel is connected, a predetermined interface screen and / or an information providing screen are transmitted to the corporate terminal 890 through the communication channel, and outputted, and the predetermined terminal corresponding to the interface screen from the corporate terminal 890 is output. It is desirable to perform the function of receiving and processing the enterprise customized service information.

Referring to FIG. 8, the information registration server 865 cooperates with the interface unit 870 when a predetermined corporate terminal 890 accesses the information registration server 865 through the interface unit 870. An interface provider 875 for generating (or extracting) a predetermined interface screen for inputting (or selecting) predetermined corporate customized service information from the corporate terminal 890, and the interface unit 870. An information receiving unit 880 for receiving the corporate personalized service information inputted (or selected) and transmitted from the corporate terminal 890 through the interface screen, and storing the received corporate personalized service information in the storage medium 855. And an information storage unit 885 to be stored.

The interface providing unit 875 has a functional configuration (eg, enterprise) provided in the enterprise terminal 890 when a predetermined corporate terminal 890 is connected to the information registration server 865 through the interface unit 870. Corresponding to the browser program provided in the terminal 890, input (or select) predetermined corporate personalized service information to generate a predetermined interface screen that can be transmitted to the information registration server 865 via the network means, And / or extract from a predetermined database (not shown) and provide the generated (or extracted) interface screen to the enterprise terminal 890 via the network means in association with the interface unit 870. do.

Thereafter, the corporate terminal 890 inputs (or selects) predetermined corporate personalized service information based on the interface screen, and when it is confirmed that the corporate personalized service information is inputted (or selected), the corporate terminal 890 ) Transmits the input (or selection) of the enterprise personalized service information to the information registration server 865 through the network means.

If one of ordinary skill in the art to which the present invention pertains, the corporate terminal 890 inputs (or selects) the corporate personalized service information through at least one form form included in the interface screen. It will be familiar with the technical features and technical features for transmitting the input (or selection) of the customized business information to the information registration server 865 through a communication protocol provided by the network means, a detailed description thereof Omit for convenience.

The information receiving unit 880 inputs (or selects) predetermined corporate personalized service information through the interface screen in the corporate terminal 890 and transmits the information through the network means. Characterized by receiving the tailored service information, and provides the received corporate tailored service information to the information storage unit 885.

The information storage unit 885 stores the company-specific service information received through the information receiving unit 880 on the storage medium 855.

According to the exemplary embodiment of the present invention, the enterprise customized service information stored in the storage medium 855 may include at least one or more instruction information (eg, CEO instruction confirmation service or business instruction) registered through the corporate terminal 890. And confirmation service) and employee information (or employee group information) for confirming the above instructions, preferably, the company-specific service information including the instruction information and employee information (or employee group information). Preferably, the personalized service processor 845 is used to provide predetermined instruction information checking service to at least one or more employee wireless terminals corresponding to the employee information.

Alternatively, the customized service information stored in the storage medium 855 may include at least one bulletin board registration information registered through the corporate terminal 890 and / or at least one bulletin board registered through the employee's wireless terminal. It is preferable that the registration information is included, and the corporate customized service information including the bulletin board registration information is used by the customized service processor 845 to provide a predetermined bulletin board information registration service to at least one or more employee wireless terminals. desirable.

Alternatively, the personalized service information stored in the storage medium 855 may be formed by linking at least one salary statement information registered through the corporate terminal 890 with employee information for confirming the salary statement. The personalized service information including the salary statement information and employee information is used by the personalized service processor 845 to provide a predetermined salary statement information verification service to a predetermined employee wireless terminal corresponding to the employee information. It is preferable.

In the technical field to which the present invention pertains, a variety of information configurations for the customized service information stored in the storage medium 855, and in response to the customized service processing unit 845 to the employee wireless terminal Various implementation methods for providing at least one or more information confirmation services, and / or information registration services, and / or information provision services may be inferred, but the present invention is characterized by including all the inferred implementation methods. .

9 is a diagram illustrating an employee certification process for providing a wireless banking service and a customized service for an enterprise employee according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates that when a predetermined wireless banking program mounted on the corporate employee wireless terminal illustrated in FIG. 7 is run through the program providing system illustrated in FIGS. 3 and / or 5, the wireless banking program may be used. Providing predetermined employee authentication information for the corporate employee to the wireless banking server, and in response to the provision of wireless banking service and corporate personalized service for corporate employees in the wireless banking server on the corporate wireless banking system shown in FIG. For the process of authenticating the validity of the employee for the company, if the person of ordinary skill in the technical field to which the present invention belongs, refer to and / or modify the drawing 9 and the company personalized with the wireless banking service for the employee Infers various implementation methods for employee certification process for service provision Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 9, the corporate employee wireless terminal illustrated in FIG. 7 is equipped with a program providing system illustrated in FIGS. 3 and / or 5 to provide a wireless banking service and a customized service for the corporate employee. The wireless banking program is driven (900).

According to an exemplary embodiment of the present invention, the wireless banking program is preferably booted after a predetermined power is input to the wireless terminal and then automatically included in a part of the booting process.

According to another exemplary embodiment of the present invention, after the wireless banking program is booted with a predetermined power input to the wireless terminal, the corporate employee selects a predetermined wireless banking menu or presses a key button related to wireless banking. It is preferably driven by clicking.

According to another embodiment of the present invention, after the wireless banking program is booted with a predetermined power input to the wireless terminal, the corporate employee selects a predetermined corporate customized service menu or a corporate customized service related key. It is preferable to drive by clicking a button.

When it is confirmed that the wireless banking program is driven as described above (905), the wireless terminal accesses the wireless banking server on the enterprise customized wireless banking system shown in FIG. 8 through the wireless banking program, and connects to the wireless banking server. Providing predetermined employee authentication information (910), and correspondingly, the wireless banking server authenticates the validity of the corporate employee through the employee authentication information in connection with the predetermined employee information D / B (860) (915) ).

According to an embodiment of the present invention, when the employee information D / B 860 is provided in the wireless banking server, the predetermined employee authentication information is provided to the wireless banking server in the wireless banking program provided in the wireless terminal. If so, the wireless banking server preferably authenticates the validity of the employee through the received employee authentication information in connection with the employee information D / B 860.

According to another exemplary embodiment of the present invention, when the employee information D / B 860 is provided in a separate server (for example, an intranet server or a DB server of the company) in addition to the wireless banking server, When providing the predetermined employee authentication information to the wireless banking server in the provided wireless banking program, the wireless banking server relays the employee authentication information to a separate server provided with the employee information D / B (860), It is preferable to include a procedure for receiving an employee authentication result corresponding to the phase employee authentication information from the separate server.

If the validity of the corporate employee is not authenticated (920), the wireless banking server generates the validity error information for the corporate employee and transmits it to the wireless terminal (925), the corresponding wireless terminal is the wireless The banking program ends (930).

If the validity of the corporate employee is authenticated (920), the wireless banking server generates a validity authentication result for the corporate employee and transmits it to the wireless terminal (935).

Thereafter, the wireless terminal periodically checks whether a predetermined wireless banking service is provided to the corporate employees through the wireless banking program (940).

According to an exemplary embodiment of the present invention, the wireless banking service for the corporate employee may be provided by the corporate employee by selecting a predetermined wireless banking menu or by clicking a key button related to wireless banking. It is preferable to include a menu for loaning a predetermined amount by setting the salary paid to the company employees in the company as collateral.

According to another exemplary embodiment of the present invention, the corporate banking wireless banking service is provided by the wireless banking program provided in the wireless terminal to check the schedule information stored in the memory unit periodically and / or at a specific date and time automatically It is preferable.

If a wireless banking service for the corporate employee is provided (945), the wireless terminal is provided with the wireless banking program as shown in FIGS. 10a and 10b, or 11a and 11b, or 12a and 12b. Provide wireless banking service for employees.

In operation 950, the wireless terminal periodically checks whether a predetermined corporate personalized service is provided to the corporate employees through the wireless banking program.

According to an exemplary embodiment of the present invention, the corporate personalized service is preferably provided by the corporate employee by selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, it is preferable that the personalized service is automatically provided by a wireless banking program provided in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. .

If the personalized service is provided (955), the wireless terminal provides the personalized service as shown in Figure 14, or Figure 15a and 15b, or Figure 16 through the wireless banking program.

10A and 10B illustrate a wireless banking process for corporate employees according to an exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B are diagrams of FIG. 8 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with the wireless banking server on the customized corporate wireless banking system shown in the figure, the wireless terminal provides a predetermined wireless banking service to the corporate employee through the wireless banking program. As a process, in detail, in the employee authentication process shown in FIG. 9, the corporate employee selects a predetermined wireless banking menu through the wireless banking program to provide wireless banking.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 10a and 10b to infer various implementation methods for the wireless banking process for the corporate employees. It is made to include all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 10A and 10B.

Referring to FIGS. 10A and 10B, the wireless terminal shown in FIG. 7 is shown in FIG. 8 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. In the case where the wireless terminal provides a predetermined wireless banking service to the corporate employee through the wireless banking program after performing the wireless banking server on the customized corporate wireless banking system and the employee authentication process shown in FIG. The wireless terminal requests the corporate employee financial account information to the wireless banking server through the wireless banking program (1000), and in response thereto, the wireless banking server 800 receives the employee finance from the ledger D / B on the financial system. The account information is extracted and transmitted to the wireless terminal (1005).

According to another embodiment of the present invention, when the employee financial account information is provided in a memory unit provided in the wireless terminal, or a predetermined financial IC chip provided in the wireless terminal, the wireless terminal provides the information through the wireless banking program. The process of requesting and receiving the corporate employee financial account information from the wireless banking server may be omitted. In this case, the corporate employee financial account information may be a memory unit provided in the wireless terminal, or a predetermined portion provided in the wireless terminal. Extracted from financial IC chips.

Thereafter, the wireless terminal inputs (or selects) at least one financial transaction information including the employee financial account information through the wireless banking program (1010).

According to the implementation method of the present invention, the financial transaction information preferably comprises predetermined financial transaction amount information according to the financial transaction type to be processed through the wireless banking program, wherein the financial transaction amount information is the employee It is preferable to include at least one or more of the amount withdrawn from the financial account, and / or the amount deposited into the employee's financial account, and may be omitted (eg, account inquiry transaction) according to the type of financial transaction, thereby The present invention is not limited.

In addition, when the financial transaction to be processed through the wireless banking program is a bank transfer transaction, the financial transaction information may include at least one deposit account information (eg, a financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction). In the case that the bank transfer amount transfers the deposit account number, etc.) and / or the virtual account information (eg, the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to the virtual account, It is preferable that the amount comprises at least one), such as a virtual account number to be transferred.

If the financial transaction information is input (or selected) (1015), the wireless terminal inputs predetermined wireless banking authentication information for processing the non-face-to-face financial transaction through the wireless banking program (1020).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the employee's financial account, and / or a financial transaction password corresponding to the financial transaction requested through the wireless banking request information (eg, a bank transfer password). And / or a security code (e.g., a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or an OTP code generated through a predetermined OTP generator, or the like. It is preferable to include one or more.

If the wireless banking authentication information is input (1025), the wireless terminal receives at least one financial transaction information corresponding to the corporate employee financial account information and the financial transaction type and the wireless banking authentication information through the wireless banking program. Generate (1030) predetermined wireless banking request information, wherein the generated wireless banking request information includes at least one encryption scheme (e.g., a secret key (or symmetric key) encryption scheme, and / or a public key encryption scheme, and And / or the electronic envelope encryption method and / or the key exchange encryption method).

According to an embodiment of the present invention, the wireless banking request information includes corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type, and the wireless banking authentication information to the wireless banking server through the wireless communication network. It is desirable to include a data structure corresponding to a communication protocol (or security protocol) defined for transmission.

If the wireless banking request information is encrypted (1040), the wireless terminal transmits the wireless banking request information to the wireless banking server through the wireless communication network (1045), the wireless banking server through the wireless communication network The wireless banking request information is received and the wireless banking request information is decrypted through a predetermined decryption method corresponding to the encryption method (1050).

If the wireless banking request information is decoded (1055), the wireless banking server 800 performs a wireless financial transaction procedure using an employee financial account corresponding to the wireless banking request information in connection with the financial system (1060). .

In the technical field of the present invention, the wireless banking server 800 performs a predetermined wireless financial transaction procedure through at least one financial transaction information and corporate employee financial account information included in the wireless banking request information in connection with the financial system. Since you will be familiar with the process to perform, a detailed description thereof will be omitted for convenience.

If the wireless financial transaction procedure is completed (1065), the wireless banking server 800 generates predetermined wireless banking result information corresponding to the wireless banking request information in association with the financial system (1070), the wireless The wireless banking result information is transmitted to the wireless terminal through a communication network (1075), and then the wireless terminal may provide at least one or more other wireless banking services through the wireless banking program, or provide an enterprise-specific service. .

11A and 11B illustrate a wireless banking process for corporate employees according to another exemplary embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate the FIG. 8 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with the wireless banking server on the illustrated customized wireless banking system, the wireless terminal provides a predetermined wireless banking service to the corporate employees through the wireless banking program. As a process, in detail, in the employee authentication process shown in FIG. 9, the wireless banking program is provided with reference to predetermined schedule information stored in the memory unit.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 11a and 11b to infer various implementation methods for the wireless banking process for the corporate employees. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in Figures 11a and 11b.

11A and 11B, the wireless terminal shown in FIG. 7 is shown in FIG. 8 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After performing a wireless banking server on the customized corporate wireless banking system and the employee authentication process shown in FIG. 9, the wireless banking program refers to the predetermined schedule information stored in the memory unit. When providing, the wireless terminal confirms at least one or more schedule information from the memory unit through the wireless banking program (1100), to determine whether to provide a predetermined wireless banking service for the corporate staff.

If it is confirmed that the predetermined wireless banking service is provided to the employees of the enterprise (1105), the wireless terminal includes predetermined banking information including wireless banking information stored in the memory unit in association with the schedule information and the schedule information. The transaction information is extracted and output through the wireless banking program, and a request is made to approve the provision of a wireless banking service for corporate employees through the financial transaction information (1110).

According to an embodiment of the present invention, the financial transaction information output to the wireless banking program may include predetermined financial transaction amount information according to the type of financial transaction to be processed through the wireless banking program, wherein the The financial transaction amount information may include at least one or more of the amount withdrawn from the employee's financial account, and / or the amount deposited into the employee's financial account, and may be omitted depending on the type of financial transaction (eg, account inquiry transaction). The present invention is not limited thereto.

The financial transaction information output to the wireless banking program may include at least one deposit account information (for example, financial transaction corresponding to the financial transaction code information) when the financial transaction to be processed through the wireless banking program is a wire transfer transaction. If the type corresponds to a wire transfer transaction, the deposit account number, etc., to which the transfer amount is transferred, and / or the virtual account information (eg, the financial transaction type corresponding to the financial transaction code information transfers a predetermined amount to the virtual account). In the case of a transaction to be made, it is preferable that the amount comprises at least one), such as a virtual account number to be transferred.

If the provision of the wireless banking service for the corporate employee through the financial transaction information is not approved (1115), the wireless terminal processes the corporate employee to modify (or change) the financial transaction information through the wireless banking program ( 1120), the process of requesting to approve the provision of the wireless banking service for corporate employees through the modified (or changed) financial transaction information is repeated.

On the other hand, if the provision of the wireless banking service for corporate employees through the financial transaction information is approved (1115), the wireless terminal inputs predetermined wireless banking authentication information for processing non-face-to-face financial transactions through the wireless banking program (1125). ).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the employee's financial account, and / or a financial transaction password corresponding to the financial transaction requested through the wireless banking request information (eg, account transfer). Passwords, etc.), and / or a security code (e.g., a security code printed on a security card issued to a customer, and / or a combination of at least two security codes), and / or an OTP code generated through a predetermined OTP generator. It is preferable to comprise at least one or more.

If the wireless banking authentication information is input (1130), the wireless terminal receives at least one financial transaction information corresponding to the corporate employee financial account information and the financial transaction type and the wireless banking authentication information through the wireless banking program. Generating predetermined wireless banking request information (1135), wherein the generated wireless banking request information is included in at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and And / or the electronic envelope encryption method, and / or the key exchange encryption method).

According to an embodiment of the present invention, the wireless banking request information includes corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type, and the wireless banking authentication information to the wireless banking server through the wireless communication network. It is desirable to include a data structure corresponding to a communication protocol (or security protocol) defined for transmission.

If the wireless banking request information is encrypted (1145), the wireless terminal transmits the wireless banking request information to the wireless banking server through the wireless communication network (1150), the wireless banking server through the wireless communication network The wireless banking request information is received and the wireless banking request information is decrypted through a predetermined decryption method corresponding to the encryption method (1155).

If the wireless banking request information is decoded (1160), the wireless banking server 800 performs a wireless financial transaction procedure using an employee financial account corresponding to the wireless banking request information in connection with the financial system (1165). .

In the technical field of the present invention, the wireless banking server 800 performs a predetermined wireless financial transaction procedure through at least one financial transaction information and corporate employee financial account information included in the wireless banking request information in connection with the financial system. Since you will be familiar with the process to perform, a detailed description thereof will be omitted for convenience.

If the wireless financial transaction procedure is completed (1170), the wireless banking server 800 generates predetermined wireless banking result information corresponding to the wireless banking request information in connection with the financial system (1175), and the wireless The wireless banking result information is transmitted to the wireless terminal through a communication network (1180), and the wireless terminal may then provide at least one or more other wireless banking services through the wireless banking program, or provide a customized service. .

12A and 12B illustrate a loan process for setting salaries of corporate employees as collateral according to an embodiment of the present invention.

12a and 12b are described in detail with reference to FIG. 8 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with the wireless banking server on the customized corporate wireless banking system shown in the figure, as a collateral for the salary paid to the corporate employee in the enterprise through the wireless banking program in the wireless terminal. In the process of setting and loaning a predetermined amount, specifically, in the employee authentication process shown in FIG. 9, when the corporate employee selects a salary security loan menu from a predetermined wireless banking menu through the wireless banking program, It shows the process of processing the payday loan.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for the process of lending the salary of the employees of the enterprise as collateral by referring to and / or modifying the drawings 12a and 12b. As will be appreciated, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation methods shown in FIGS. 12A and 12B.

12A and 12B, the wireless terminal shown in FIG. 7 is shown in FIG. 8 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After performing a wireless banking server on the customized corporate wireless banking system and the employee authentication process shown in Figure 9, the wireless terminal to set the salary paid to the corporate employees in the enterprise through the wireless banking program as collateral When the wireless banking menu is selected to borrow the amount of money, the wireless terminal requests the corporate employee financial account information to the wireless banking server through the wireless banking program (1200), and correspondingly the wireless banking server 800 Extracts at least one employee financial account information from the ledger D / B on the financial system to the wireless Transmission to the terminal (1205).

According to another embodiment of the present invention, when the employee financial account information is provided in a memory unit provided in the wireless terminal, or a predetermined financial IC chip provided in the wireless terminal, the wireless terminal provides the information through the wireless banking program. The process of requesting and receiving the corporate employee financial account information from the wireless banking server may be omitted. In this case, the corporate employee financial account information may be a memory unit provided in the wireless terminal, or a predetermined portion provided in the wireless terminal. Extracted from financial IC chips.

Subsequently, the wireless terminal selects an employee salary account that pays salaries to the employee among the employee financial accounts through the wireless banking program (1210), and the loan application amount and loan period through the wireless banking program. Predetermined loan application information including information and loan repayment information (e.g., the date / time of repayment of the loan, the loan repayment date and time information, etc.) is input (or selected) (1215).

If the loan application information is input (or selected) (1220), the wireless terminal inputs predetermined wireless banking authentication information for processing non-face-to-face financial transactions through the wireless banking program (1225).

According to an embodiment of the present invention, the wireless banking authentication information is a financial transaction password (eg, for processing a payday loan requested through the account password corresponding to the employee's financial account, and / or the payday loan request information. Bank transfer passwords, etc.), and / or security codes (e.g., security codes printed on security cards issued to customers, and / or combinations of at least two security codes), and / or OTP codes generated through certain OTP generators. It is preferable to include at least one or more.

If the wireless banking authentication information is input (1230), the wireless terminal through the wireless banking program, the company employee salary account information, the loan application amount, loan period information and loan repayment information (e.g. Loan application information including a partial repayment method, loan repayment date and time information), and predetermined payday loan request information including the wireless banking authentication information (1235), and generates the payday loan request information at least. Encryption is performed according to one or more encryption methods (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.) (1240). .

According to an embodiment of the present invention, the payday loan request information includes a corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type and the wireless banking authentication information through the wireless banking server. It is preferred to include a data structure corresponding to the communication protocol (or security protocol) defined for transmission to the network.

If the payday loan request information is encrypted (1245), the wireless terminal transmits the payday loan request information to the wireless banking server through the wireless communication network (1250), and the wireless banking server establishes the wireless communication network. Receiving the payday loan request information through the decryption process of the payday loan request information through a predetermined decryption method corresponding to the encryption method (1255).

If the payday loan request information is decoded (1260), the wireless banking server 800 examines the loan application information based on employee payroll account information included in the payday loan request information and the company in the company. The validity of the payday loans loaned out by setting the salary paid to employees as collateral is checked (1265).

According to the implementation method of the present invention, the wireless banking server 800 checks whether the loan application amount and the interest according to the loan amount can be paid in full during the loan period based on the salary information of the employee, the employee in the company It is preferable to set the salary paid to the collateral to check the validity of the payday loan for processing the loan corresponding to the loan application information.

Alternatively, the wireless banking server 800 checks the financial transaction history of the employee's salary account, and after the predetermined salary is paid to the employee in the company, the employee's mandatory is based on the withdrawal history of the salary. Corresponding to the loan application information by setting the salary paid to the employee as collateral by checking whether the loan application amount and the interest can be fully repaid during the loan period based on the remaining amount excluding the expenses. It is advisable to verify the effectiveness of payday loans to process loans.

Alternatively, the wireless banking server 800 inquires whether the employee is included in the restructuring target within the loan period to the terminal of the person in charge of the corporate terminal 890, so that the salary paid to the employee in the company as collateral It is preferable to confirm the validity of the payday loan for processing the loan corresponding to the loan application information by setting.

If the person having ordinary knowledge in the technical field to which the present invention belongs, salary collateral loaning the loan application amount during the loan period by setting the salary paid by the wireless banking server 800 to the employee in the company as collateral Various implementation methods for verifying loan validity may be inferred, but the present invention is characterized by including all the implementation methods inferred.

If the payday loan validity is not confirmed (1270), the wireless banking server generates predetermined payday loan error information and transmits the predetermined payday loan error information to the wireless terminal through the wireless communication network (1275).

On the other hand, if the validity of the payday loan is not confirmed (1270), the wireless banking server performs an employee payday loan procedure corresponding to the loan application information in connection with the financial system (1280).

According to the implementation method of the present invention, the wireless banking server 800 withdraws the loan application amount included in the loan application information from the loan processing mother account of the financial institution in connection with the financial system and deposits it into the employee financial account. The payday loan procedure of generating predetermined ledger information (eg, loan ledger information) corresponding to the loan processing and storing the ledger information (eg, a customer ledger or an account ledger) in association with the employee financial account. It is preferable to carry out.

According to the method of the present invention, after the payday loan procedure corresponding to the loan application information is performed, the wireless banking server 800 includes predetermined loan processing information including a loan processing history corresponding to the loan application information. It is preferable to generate and store the information in association with the employee information to the storage medium 855, the loan processing information is provided to the wireless terminal according to the information confirmation service procedure of the customized service for the wireless banking program It is preferable to output through.

In addition, after a payday loan procedure corresponding to the loan application information is performed, the wireless banking server 800 is linked to the financial system, when a predetermined salary is deposited from the company to the employee salary account, the loan It is preferable to set an automatic lock function that prevents the loan repayment amount from being withdrawn until the loan repayment date and time corresponding to the loan repayment information of the application information (for example, the date / time of the loan repayment / division repayment method, the loan repayment date and time information, etc.).

If the payday loan procedure is completed (1285), the wireless banking server 800 generates predetermined payday loan result information corresponding to the loan application information in connection with the financial system (1290), the wireless The payroll loan result information is transmitted to the wireless terminal through a communication network (1295), and the wireless terminal may then provide at least one or more other wireless banking services or provide a customized service through the wireless banking program. have.

13 is a diagram illustrating a payday loan settlement process according to an embodiment of the present invention.

In more detail, FIG. 13 shows the enterprise shown in FIG. 8 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the payday loan process shown in FIGS. 12a and / or 12b in connection with a wireless banking server on a custom wireless banking system, the payday loan amount when the company pays a predetermined salary to the employee For the process of settlement of the present invention, those of ordinary skill in the art to which the present invention pertains, by referring to and / or modified in this figure 13 can infer various implementation methods for the payday loan settlement process. However, the present invention includes all implementation methods inferred from the above, and only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 13, the enterprise personalization shown in FIG. 8 is performed through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the payday loan process shown in FIGS. 12a and / or 12b in connection with a wireless banking server on a wireless banking system, the wireless banking server 800 is linked to the financial system and the employee salary at the company. Check whether a predetermined salary is paid to the account (1300).

If it is confirmed that the company has provided a predetermined salary to the employee salary account (1305), the wireless banking server 800, the loan corresponding to the loan repayment information included in the loan application information (or loan processing information) It is checked whether the payment date has arrived (1310).

If the loan repayment date does not arrive at the time when a predetermined salary is paid to the employee salary account (1315), the wireless banking server 800 displays the loan application information (or loan processing information) in the employee salary account. By setting a lock on the loan repayment scheduled amount according to the loan repayment method of the included loan repayment information (1320), the loan repayment scheduled amount is processed from the employee salary account.

On the other hand, if the loan repayment date has arrived (1315), the wireless banking server 800 repays and settles the loan according to the loan repayment method of the loan repayment information included in the loan application information (or loan processing information). Perform the procedure (1325).

According to the method of the present invention, the wireless banking server 800 is linked with the financial system according to the loan repayment method corresponding to the loan repayment information of the loan application information (or loan processing information) and the predetermined loan repayment amount It is preferable to withdraw interest from the employee payroll account and deposit the interest into the loan account of the financial institution.

In addition, after the financial transaction corresponding to the loan repayment is performed, the wireless banking server 800 generates predetermined ledger information (eg, loan ledger information) corresponding to the loan repayment processing to correspond to the employee financial account. (E.g., a customer ledger or an account ledger) is preferably stored in a linked process.

If the loan repayment and settlement process is confirmed (1330), the wireless banking server generates predetermined settlement processing information corresponding to the loan repayment and settlement processing (1335), and the generated settlement processing information and the employee information. In step 1340, the settlement processing information is provided to the wireless terminal according to the information confirmation service procedure of the enterprise customized service and output through the wireless banking program. desirable.

14 illustrates a process of providing a personalized service through a wireless banking program according to an embodiment of the present invention.

In more detail, FIG. 14 shows the enterprise shown in FIG. 8 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with a wireless banking server on a personalized wireless banking system, the wireless terminal provides at least one corporate personalized service to the corporate employee through the wireless banking program. In particular, the wireless terminal is in the process of providing a corporate personalized service corresponding to the information confirmation service to the corporate employee through the wireless banking program.

Those skilled in the art to which the present invention pertains may refer to various embodiments of providing a personalized service through a wireless banking program by referring to and / or modifying the drawing 14, but the present invention may be inferred from the above. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 14, the enterprise personalization shown in FIG. 8 is performed through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with the wireless banking server on the wireless banking system, the wireless terminal through the wireless banking program, a predetermined salary statement confirmation service, CEO instructions confirmation service, business instructions and When a corporate customized service menu corresponding to an information confirmation service such as a confirmation service is selected (1400), the wireless terminal extracts predetermined parameter information corresponding to the selected corporate customized service menu from the memory unit (1405).

According to an exemplary embodiment of the present invention, the corporate personalized service menu selection process is preferably performed by the corporate employee selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, the corporate personalized service menu selection process may be performed automatically by a wireless banking program included in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. desirable.

Thereafter, the wireless terminal extracts predetermined personalized service request information (eg, payroll confirmation service request information, CEO instruction confirmation service request information, work instruction and confirmation service request information, etc.) corresponding to the enterprise customized service menu. Generates predetermined corporate personalized service request information including the generated parameter information (1410), and transmits the generated corporate personalized service request information to the wireless banking server 800 (1415).

Subsequently, the wireless banking server 800 reads the received corporate personalized service request information so that the corporate personalized service requested from the wireless terminal is determined by a predetermined salary statement confirmation service, a CEO instruction confirmation service, a business instruction and confirmation service, and the like. It is checked whether the same information confirmation service (1420).

If the corporate personalized service corresponding to the received corporate personalized service request information is not the information verification service (1425), the wireless banking server is associated with the storage medium 855 on the corporate personalized wireless banking system shown in FIG. In operation 1430, an information registration service and / or an information providing service corresponding to the enterprise customized service request information is provided.

On the other hand, if the corporate personalized service corresponding to the received corporate personalized service request information is the information verification service (1425), the wireless banking server in association with the storage medium 855 on the corporate personalized wireless banking system shown in FIG. In operation 1435, the customized service information corresponding to the customized service request information received from the wireless banking program provided in the wireless terminal is extracted.

Thereafter, the wireless banking server checks whether or not to convert the data structure for outputting the extracted corporate personalized service information through a wireless banking program provided in the wireless terminal (1440). If the structure needs to be converted (1445), the wireless banking server converts the enterprise customized service information into a data structure that can be output through a wireless banking program provided in the wireless terminal (1450).

For example, when the encoding scheme of the corporate personalized service information is not compatible with the wireless banking program provided in the wireless terminal, the personalized service processor 845 may transmit the corporate personalized service information to the wireless terminal. It is preferable to encode in an encoding method that can be output through a banking program.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content corresponding to the enterprise customized service information is not compatible with the wireless banking program provided in the wireless terminal, the customized service processing unit 845 converts a file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless banking program included in the wireless terminal. desirable.

If the enterprise customized service information is converted into a data structure that can be output through a wireless banking program provided in the wireless terminal, or if the data structure of the enterprise customized service information is not necessary, the wireless banking server may provide the enterprise customized service. Information is transmitted to the wireless terminal (1455), and correspondingly, the wireless terminal receives the corporate customized service information and outputs it through the wireless banking program (1460), and then the wireless terminal receives the wireless banking program. It may provide at least one or more other enterprise-specific services, or provide at least one or more wireless banking services for the company employees.

15A and 15B illustrate a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

In more detail, FIGS. 15A and 15B illustrate the FIG. 8 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with the wireless banking server on the customized corporate wireless banking system shown in the figure, the wireless terminal provides at least one or more corporate customized services to the corporate employees through the wireless banking program. In the process of, specifically, in the wireless terminal through the wireless banking program to provide a corporate customized service corresponding to the information registration service to the corporate employee.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b to infer various implementation methods for providing a customized service through a wireless banking program. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 15A and 15B.

Referring to FIGS. 15A and 15B, the wireless terminal shown in FIG. 7 is shown in FIG. 8 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After the employee authentication process shown in FIG. 9 is performed in connection with the wireless banking server on the customized corporate wireless banking system, the wireless terminal performs the predetermined corporate bulletin board service and the business characteristics of each company through the wireless banking program. If the corporate personalized service menu corresponding to the business report service is selected (1500), the wireless terminal extracts predetermined parameter information corresponding to the selected corporate personalized service menu from the memory unit (1505).

According to an exemplary embodiment of the present invention, the corporate personalized service menu selection process is preferably performed by the corporate employee selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, the enterprise customized service menu selection process is performed automatically by a wireless banking program included in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. It is preferable.

Thereafter, the wireless terminal stores predetermined customized service request information (eg, corporate bulletin board service request information, business report service request information according to business characteristics of each company, etc.) corresponding to the corporate customized service menu and the extracted parameter information. Generates predetermined corporate personalized service request information including 1510 and transmits the generated corporate personalized service request information to the wireless banking server 800 (1515).

Subsequently, the wireless banking server 800 reads the received corporate personalized service request information so that the corporate personalized service requested from the wireless terminal includes information such as a predetermined corporate bulletin board service and a business report service according to the business characteristics of each company. Check whether the registration service (1520).

If the corporate personalized service corresponding to the received corporate personalized service request information is not the information registration service (1525), the wireless banking server is associated with a storage medium 855 on the corporate personalized wireless banking system shown in FIG. In operation 1530, an information confirmation service and / or an information providing service corresponding to the enterprise customized service request information is provided.

On the other hand, if the corporate personalized service corresponding to the received corporate personalized service request information is the information registration service (1525), the wireless banking server in association with the storage medium 855 on the corporate personalized wireless banking system shown in FIG. The wireless interface information corresponding to the enterprise service request information received from the wireless banking program provided in the wireless terminal is checked (1535), and the confirmed wireless interface information is transmitted to the wireless terminal (1540).

For example, when the information registration service is a corporate bulletin board service, the air interface information may include the corporate bulletin board list information.

Alternatively, when the information registration service is a business report service according to the business characteristics of each company, the air interface information is preferably made to include the storage location information according to the renewal procedure (or payment procedure) of the business report.

Thereafter, the wireless terminal outputs a predetermined air interface screen corresponding to the air interface information through the wireless banking program (1545), and at least one or more customized service registration information through a wireless interface screen corresponding to the wireless banking program. Enter (or select) 1550.

For example, when the information registration service is a corporate bulletin board service, the customized service registration information input (or selected) through the air interface screen may include at least one bulletin board registration information to be registered in the corporate bulletin board.

Alternatively, when the information registration service is a business report service according to the business characteristics of each company, the customized service registration information input (or selected) through the wireless interface screen may include at least one or more business report information. .

If the input (or selection) of the personalized service registration information is confirmed (1555), the wireless terminal transmits the inputted (or selected) personalized service registration information to the wireless banking server 800 (1560), In response, the wireless banking server stores the received personalized service registration information in the storage medium 855 (1565). Thereafter, the wireless terminal may provide at least one or more other customized services through the wireless banking program, or may provide at least one or more wireless banking services to the corporate employees.

16 illustrates a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

In more detail, FIG. 16 shows the enterprise shown in FIG. 8 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with a wireless banking server on a personalized wireless banking system, the wireless terminal provides at least one corporate personalized service to the corporate employee through the wireless banking program. In particular, the wireless terminal is in the process of providing a corporate personalized service corresponding to the information providing service to the corporate staff through the wireless banking program.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for providing a customized service through a wireless banking program by referring to and / or modifying the drawing 16. It is made to include all inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 16, the enterprise personalization shown in FIG. 8 is performed through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 9 in connection with a wireless banking server on a wireless banking system, the wireless terminal can be customized to respond to a business reporting service according to the business characteristics of each company through the wireless banking program. If a service menu is selected (1600), the wireless terminal outputs a wireless interface screen for inputting (or selecting) personalized service registration information corresponding to the selected corporate personalized service menu through the wireless banking program (1605).

According to an exemplary embodiment of the present invention, the corporate personalized service menu selection process is preferably performed by the corporate employee selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, the corporate personalized service menu selection process may be performed automatically by a wireless banking program included in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. desirable.

Thereafter, the wireless terminal inputs (or selects) at least one or more customized service registration information through a wireless interface screen corresponding to the wireless banking program (1610).

For example, when the information providing service is a business report service according to a business characteristic of each company, the customized service registration information input (or selected) through the wireless interface screen may include at least one or more business report information. Do.

If the input (or selection) of the personalized service registration information is confirmed (1615), the wireless terminal extracts predetermined parameter information corresponding to the enterprise personalized service menu from the memory unit (1605).

Thereafter, the wireless terminal uses predetermined customized service request information (eg, business report service request information according to business characteristics of each company) corresponding to the corporate customized service menu, the extracted parameter information, and the wireless interface screen. In operation 1630, predetermined corporate personalized service request information including the input (or selected) personalized service registration information is generated, and the generated corporate personalized service request information is transmitted to the wireless banking server 800 (1630).

Thereafter, the wireless banking server 800 reads the received corporate personalized service request information and checks whether the corporate personalized service requested from the wireless terminal is an information providing service such as a business reporting service according to the business characteristics of each enterprise ( 1635).

If the customized service corresponding to the received customized service request information is not the information providing service (1640), the wireless banking server is associated with a storage medium 855 on the customized business banking system shown in FIG. In operation 1645, an information confirmation service and / or an information registration service corresponding to the enterprise customized service request information is provided.

On the other hand, if the corporate personalized service corresponding to the received corporate personalized service request information is the information providing service (1640), the wireless banking server receives the received information on the storage medium 855 on the corporate personalized wireless banking system shown in FIG. Storing the personalized service registration information included in the enterprise personalized service request information in the storage medium 855 (1650), and then the wireless terminal provides at least one or more other personalized service through the wireless banking program; Alternatively, at least one wireless banking service may be provided to the corporate employees.

17 is a diagram illustrating an information registration process for providing a customized service through a wireless banking program according to an embodiment of the present invention.

More specifically, in FIG. 17, the enterprise terminal 890 on the enterprise customized wireless banking system shown in FIG. 8 is provided to provide the enterprise customization service shown in FIGS. 14 and / or 15a and 15b and / or 16. Through the network means of transmitting the corporate personalized service information for providing a personalized service through the wireless banking program provided in the wireless terminal shown in Figure 7 to the information registration server 865 and stored in the storage medium 855 As a matter of course, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the information registration process for providing a personalized service through the wireless banking program by referring to and / or modified in this figure 17 It may be inferred that the present invention includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 17, the information registration server 865 on the enterprise customized wireless banking system shown in FIG. 8 is referred to as " server " for convenience, and the enterprise terminal 890 on the enterprise customized wireless banking system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 17, the terminal on the customized wireless banking system shown in FIG. 8 accesses the server through the network means and connects a communication channel for providing a customized service through a wireless banking program (1700).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains may access the wireless banking program by accessing the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means. You will be familiar with the technical features of connecting the communication channel for providing customized services through the company, the detailed description thereof will be omitted for convenience.

When a communication channel for providing a personalized service through a wireless banking program is connected between the terminal and the server as described above, the terminal displays an interface screen for providing a personalized service through the wireless banking program to the server through the communication channel. Request (1705), and correspondingly, the server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the enterprise customized service information in the terminal (1710), and generates the ( Alternatively, the extracted interface screen is transmitted to the terminal through the communication channel (1715).

Thereafter, the terminal processes the personalized service information to be input (or selected) through the user interface included in the interface screen for inputting (or selecting) the enterprise personalized service information (1720).

According to an exemplary embodiment of the present invention, when the enterprise personalized service includes at least one or more predetermined salary statement confirmation service, CEO instruction confirmation service, business instruction and confirmation service, and the like, the enterprise customization service information may include the salary history information. Preferably, at least one of CEO instruction information, business instruction information, and the like.

According to another exemplary embodiment of the present invention, when the enterprise personalized service is a predetermined corporate bulletin board service and a business report service according to the business characteristics of each company, the enterprise personalized service information may be transmitted to the corporate bulletin board by the corporate terminal 890. It is preferable to include at least one bulletin board registration information or business report information to register.

If the corporate personalized service information is input (or selected) in the terminal (1725), the terminal transmits the corporate personalized service information to the server through the communication channel (1730), and the server correspondingly The received personalized service information is stored in the storage medium 855 shown in FIG. 8 (1735).

FIG. 18 is a diagram illustrating a configuration of an enterprise customized wireless banking system for providing an enterprise employee wireless banking service and an enterprise customized service according to another exemplary embodiment of the present invention.

In more detail, FIG. 18 illustrates a wireless banking program that provides a wireless banking service and a personalized service for a corporate employee to an employee wireless terminal illustrated in FIG. 7 through a program providing system illustrated in FIGS. 3 and / or 5. In this case, the wireless banking system for providing a wireless banking service and personalized service for the corporate employees through the wireless banking program, specifically, the wireless banking service for the corporate staff is provided by a predetermined wireless banking server In this case, the corporate personalized service is provided through a predetermined corporate personalized server 1835 (or a corporate intranet server).

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 18 and various implementation methods for constructing a company-specific wireless banking system for providing a company-wide wireless banking service and a company-specific service. It may be inferred that, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 18 according to an embodiment of the present invention, a corporate customized wireless banking system for providing a corporate banking service and a corporate customized service may include a corporate corporate wireless banking service and a corporate customized service through a predetermined wireless communication network. At least one wireless terminal provided with a wireless banking program providing a service, a wireless banking server providing a wireless banking service for corporate employees in connection with a wireless banking program provided in the wireless terminal through a predetermined wireless communication network; In order to provide a wireless banking service for corporate employees in connection with a wireless banking program provided in the wireless terminal, the wireless banking server is connected to the wireless banking server through a predetermined interface means and the wireless system through a predetermined wireless communication network. Wireless banking program provided in the terminal A corporate customization server 1835 for providing a corporate customization service in association with a gram, and the corporate customization server 1835 for at least one corporate customization for providing a corporate customization service in connection with a wireless banking program provided in the wireless terminal. And a storage medium 1870 for storing service information.

The wireless terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on the IEEE 802.16x standard, and / or a wireless terminal operating based on the IEEE 802.11x standard. Characterized in that it comprises at least one or more of the LAN terminal, characterized in that the wireless terminal is provided with a wireless banking program for providing a wireless banking service and personalized service for the corporate staff.

According to an embodiment of the present invention, when the wireless terminal is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal is connected may include the CDMA stack-based mobile communication network. The mobile communication network may further include a high speed downlink packet access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another embodiment of the present invention, when the wireless terminal is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.16x based portable Internet.

According to another exemplary embodiment of the present invention, when the wireless terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.11x based wireless LAN.

According to the present invention, the wireless banking program provided in the wireless terminal provides a wireless banking service for corporate employees by connecting a wireless communication network connected to the wireless terminal to a predetermined wireless banking server using a wireless communication function provided in the wireless terminal. It characterized in that for connecting the communication channel for.

In addition, the wireless banking program provided in the wireless terminal uses a wireless communication function provided in the wireless terminal to provide a wireless banking service for corporate employees by connecting a wireless communication network to which a wireless terminal is connected to a predetermined wireless banking server. And transmitting predetermined wireless banking request information to the wireless banking server through the communication channel, wherein the wireless banking server receiving the wireless banking request information includes at least one wireless banking service included in the wireless banking request information. It is characterized by performing a ledger-based financial transaction procedure corresponding to the wireless banking request information in connection with a predetermined financial system with reference to the information.

The wireless banking request information includes employee financial account information established on the financial system in the name of the corporate employee and at least one financial transaction information for processing a predetermined financial transaction using the employee financial account. desirable.

In addition, the wireless banking request information preferably comprises a financial transaction amount information input through a predetermined key input means provided in the wireless terminal, wherein the financial transaction amount information is the amount withdrawn from the employee financial account And / or at least one or more of the amount of money deposited into the employee's financial account, and may be omitted (eg, account inquiry transaction) according to the type of financial transaction, and thus the present invention is not limited thereto. .

The wireless banking request information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless terminal, wherein the wireless banking authentication information corresponds to the employee financial account. The account password, and / or the financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking request information, and / or the security code (eg, printed on a security card issued to a customer). Security code, and / or at least two security code combinations) and / or at least one OTP code generated through a predetermined OTP generator.

The wireless banking request information may further include financial transaction code information for identifying (or identifying) a financial transaction type requested from the wireless terminal to the wireless banking server.

In addition, the wireless banking request information includes at least one or more deposit account information (for example, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / Or virtual account information (for example, when a financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount of money to a virtual account, etc.). It is preferable.

According to the present invention, the wireless banking program provided in the wireless terminal is provided to the employee in the enterprise by connecting a wireless communication network to which the wireless terminal is connected to a predetermined wireless banking server using a wireless communication function provided in the wireless terminal. In order to apply for a small security loan as a security to the salary, characterized in that for transmitting the security loan request information including predetermined loan application information to the wireless banking server through the communication channel, receiving the wireless loan request information The wireless banking server performs a loan screening procedure for the employee through loan application information included in the payday loan request information, and if the payday loan is approved to the employee as a result of the loan screening, the financial system In connection with the loan application information, And that is characterized.

The loan application information may include at least one predetermined loan application amount, loan period information, and loan repayment information (eg, loan / date / divided repayment method, loan repayment date and time information, etc.).

According to an embodiment of the present invention, the payday loan request information is preferably made by the company includes employee payroll account information that provides a predetermined salary to the customer.

The payday loan request information may include an account password corresponding to the employee payroll account and / or a financial transaction password (eg, a bank transfer password) for processing the payday loan through the payday loan request information; And / or at least one security code (e.g., a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or an OTP code generated through a predetermined OTP generator. It is preferable to comprise.

According to the present invention, the wireless banking program provided in the wireless terminal uses a wireless communication function provided in the wireless terminal to connect a wireless communication network to which the wireless terminal is connected to a predetermined enterprise customized server 1835 (or an enterprise intranet server). It is characterized by connecting a communication channel for providing a customized service to the enterprise.

In addition, the wireless banking program provided in the wireless terminal uses a wireless communication function provided in the wireless terminal to connect a wireless communication network connected to a predetermined corporate custom server 1835 to provide a corporate customized service The enterprise customized service request information may be transmitted to the enterprise customized server 1835 through the communication channel.

According to an exemplary embodiment of the present invention, when the enterprise personalized service corresponding to the enterprise personalized service request information is an information confirmation service such as a predetermined salary statement confirmation service, a CEO instruction confirmation service, a business instruction and confirmation service, and the like, The server 1835 extracts predetermined corporate personalized service information to be transmitted to the wireless terminal in association with a storage medium 1870 that stores at least one corporate personalized service information, and transmits the extracted corporate personalized service information to the communication channel. It is preferable to provide to the wireless terminal through.

According to another exemplary embodiment of the present invention, when the enterprise customized service corresponding to the enterprise customized service request information is an information registration service such as a predetermined corporate bulletin board service and a business characteristic of each company, the enterprise customized server 1835 preferably generates (or extracts) predetermined air interface information for registering the information and provides the generated air interface information to the wireless terminal. In response, the wireless banking program included in the wireless terminal corresponds to the air interface information. It is preferable to input (or select) predetermined parameter information and / or customized service registration information through a predetermined air interface and transmit the predetermined parameter information and / or the customized service registration information to the corporate personalized server 1835, and then the corporate personalized server 1835 receives the received information. A storage medium for a predetermined service registration information based on the received parameter information ( 1870).

According to another exemplary embodiment of the present invention, the enterprise customized service corresponding to the enterprise customized service request information is an information providing service such as a business reporting service according to the business characteristics of each company, and is predetermined in the received corporate customized service request information. When the parameter information and / or the customized service registration information is included, the enterprise custom server 1835 preferably stores the customized service registration information in the predetermined storage medium 1870 based on the received parameter information.

According to the present invention, the wireless banking server is a wireless banking interface unit 1805 for connecting and managing a wireless banking program provided in the wireless terminal and a communication channel for providing a wireless banking service for the employees of the company through the wireless communication network. It is characterized by comprising a).

According to an embodiment of the present invention, a communication channel connected between the wireless banking program provided to the wireless terminal and the wireless banking server by the wireless banking interface unit 1805 may be provided between the wireless banking program and the wireless banking server. It is preferable to include a data communication channel for transmitting and receiving at least one or more financial transaction data (eg, wireless banking request information, or wireless banking result information, etc.) through the defined financial transaction communication protocol.

According to an embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one or more encryption schemes, and for this purpose, a wireless banking program provided to the wireless terminal and / or Alternatively, the wireless banking server is preferably provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server in the wireless banking program provided in the wireless terminal through the communication channel is preferably attached to the electronic signature of the wireless terminal customer, for this purpose The wireless banking program may include an electronic signature attaching function for the financial transaction data, and the wireless banking server may be provided with an electronic signature verification function for the financial transaction data.

Referring to FIG. 18, the wireless banking server includes an information receiver 1810 for receiving at least one or more wireless banking request information and / or payday loan request information from the wireless terminal through the wireless banking interface unit 1805; Read the wireless banking request information to extract at least one financial transaction-related information, and the financial transaction corresponding to the financial transaction request information in connection with a predetermined financial system through a predetermined interface means based on the financial transaction-related information. A banking processing unit 1815 that performs the procedure, and the loan application information included in the payday loan request information to read the loan application process to perform the loan examination procedure for the employee, and if the loan examination is approved, the predetermined interface means. Loan processing section corresponding to the loan application information in connection with a predetermined financial system through After the loan processing unit 1820 for performing the loan processing procedure corresponding to the loan application information to the employee through the loan processing unit 1820, the company periodically pays a predetermined salary to the employee And a payment settlement unit 1830 that checks and processes the loan amount in response to the loan application information when the salary is paid, and is linked with the wireless banking interface unit 1805. It is characterized in that it further comprises an information transmitting unit 1825 for generating the wireless banking result information processed by the banking processing unit 1815 and provide it to the wireless terminal.

The information receiving unit 1810 is operated by the wireless banking program in the wireless terminal, at least one or more wireless banking request information for providing a wireless banking service for the corporate staff through the wireless banking program is input (or generated) When transmitted through a wireless communication network, the wireless banking interface unit 1805 is characterized by receiving the wireless banking request information transmitted from the wireless terminal.

According to an embodiment of the present invention, the wireless banking request information may include at least one encryption scheme (eg, a secret key (or symmetric key) encryption scheme, a public key encryption scheme, and / or an electronic envelope encryption scheme) in the wireless banking program. And / or a key exchange encryption scheme, etc.), the information receiver 1810 further includes a function of decrypting the encrypted wireless banking request information with a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

In addition, the information receiving unit 1810 is a predetermined loan for applying a predetermined loan by setting the salary paid to the employee in the company through the wireless banking program, the wireless banking program is driven in the wireless banking program When application information is input (or generated) and predetermined salary security loan request information including the loan application information is transmitted through the wireless communication network, the wireless banking interface unit 1805 transmits the information from the wireless terminal. Receive payroll loan request information.

According to an embodiment of the present invention, the payday loan request information is at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or an electronic envelope in the wireless banking program). And encrypted according to an encryption method and / or a key exchange encryption method), the information receiver 1810 decodes the encrypted payday loan request information by a predetermined decryption method corresponding to the encryption method. It is preferable to further comprise.

When it is confirmed that at least one or more wireless banking request information for providing a wireless banking service for the corporate employee is received (or received and decrypted) through the information receiving unit 1810, the banking processor 1815 is the wireless banking request information. And extracting at least one financial transaction related information for providing a wireless banking service to the corporate employee.

According to the exemplary embodiment of the present invention, the financial transaction related information extracted from the wireless banking request information basically includes financial transaction code information, employee financial account information, and wireless banking authentication information. When the financial transaction type corresponding to the information is a financial transaction including at least one cash movement, the financial transaction related information extracted from the wireless banking request information may further include financial transaction amount information.

In addition, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the financial transaction related information extracted from the wireless banking request information may include at least one deposit account information (for example, a transfer amount of the bank transfer). It is preferable to further comprise a deposit account number).

When at least one financial transaction related information is extracted from the wireless banking request information, the banking processor 1815 determines a predetermined financial system (e.g., an interface connecting a wireless banking server and a financial system) through a predetermined interface means. And a predetermined financial transaction procedure for providing a wireless banking service to employees of the company based on the extracted financial transaction-related information in connection with the financial system in which the employee financial account corresponding to the employee financial account information is opened. It is characterized by.

When it is confirmed that predetermined salary security loan request information for applying for a predetermined loan is received (or received and decrypted) by setting the salary paid by the company to the employee through the information receiving unit 1810 as collateral, the loan The processor 1820 may include a loan application amount included in the loan application information included in the payday loan request information, loan period information, and loan repayment information (eg, a date / time of a loan / partition repayment method, loan payment date and time information), and the like. It is characterized by judging that the company pays the loan application amount during the loan period by setting the salary paid to the employee in the company as collateral.

According to the implementation method of the present invention, the loan processing unit 1820 checks whether the loan application amount and the interest accordingly during the loan period can be fully repaid during the loan period, based on the salary information of the employee, from the company to the employee It is preferable to set a salary to be paid as collateral and to examine whether the loan corresponding to the loan application information can be processed.

Alternatively, the loan processing unit 1820 checks the financial transaction history of the employee's salary account, and after the predetermined salary is paid to the employee in the company, mandatory spending of the employee based on the withdrawal history of the salary By checking whether the loan application amount and the interest can be fully repaid during the loan period based on the remaining amount except for the expense, the salary paid to the employee by the company as collateral to respond to the loan application information It is advisable to examine whether the loan can be processed.

Alternatively, the loan processing unit 1820 sets a salary paid to the employee by the company by inquiring whether the employee is included in the restructuring target within the loan period by the terminal of the person in charge of the corporate terminal 1897. It is possible to examine whether the loan corresponding to the loan application information can be processed.

If the person having ordinary knowledge in the technical field to which the present invention belongs, the loan processing unit 1820 sets the salary paid to the employee in the company as collateral to examine the loan of the loan application amount during the loan period Various implementation methods may be inferred, but the present invention is characterized by including all the implementation methods inferred.

If it is determined that the auditor can process the loan corresponding to the loan application information by setting the salary paid to the employee as a collateral, the loan processing unit 1820 is linked with the financial system. Withdraw the loan application amount included in the loan application information from the loan processing mother account of the institution and deposit it in the employee's financial account, and generate predetermined ledger information (eg, loan ledger information) corresponding to the loan processing and the employee It is characterized in that stored in association with the ledger corresponding to the financial account (for example, customer ledger, or account ledger).

According to the implementation method of the present invention, after the loan processing corresponding to the loan application information is performed, the loan processing unit 1820 generates predetermined loan processing information including a loan processing history corresponding to the loan application information. Preferably, the information is stored in the storage medium 1870 in association with the employee information, and then the loan processing information is provided to the wireless terminal according to the information confirmation service procedure of the enterprise customized service through the wireless banking program. It is preferable to output.

In addition, after the loan processing corresponding to the loan application information is performed, the loan processing unit 1820, if a predetermined salary is deposited from the company to the employee salary account in connection with the financial system, It is preferable to set an automatic lock function to prevent the loan repayment amount from being withdrawn until the loan repayment date and time corresponding to the loan repayment information (for example, the date / division repayment method of the loan, the repayment date and the like of the loan).

After the loan processing corresponding to the loan application information is performed, the loan settlement unit 1830 periodically checks whether the company pays a predetermined salary to the employee salary account in connection with the financial system. When it is confirmed that the company has paid a predetermined salary to the employee salary account, the loan settlement unit 1830 is loan repayment information (eg, date and time of the loan) of the loan application information of the amount deposited into the employee salary account And the repayment of the loan payment until the loan payment repayment date corresponding to the split repayment method, the loan repayment date and time information, etc.).

Subsequently, when a loan repayment date corresponding to the loan repayment information of the loan application information (e.g., the date / time of a loan repayment / division repayment method, loan repayment date and time information, etc.) arrives (or the loan repayment date is the same as the salary payment date) When a predetermined salary is deposited into the employee's salary account, the loan settlement unit 1830 is provided with a predetermined loan repayment amount according to a loan repayment method corresponding to the loan repayment information of the loan application information in connection with the financial system. Interest is withdrawn from the employee payroll account, characterized in that the deposit to the mother account for loan processing of the financial institution.

In addition, after the financial transaction corresponding to the loan payment is performed, the loan settlement unit 1830 generates predetermined ledger information (eg, loan ledger information) corresponding to the loan repayment processing to correspond to the employee financial account. (Eg, customer ledger, or account ledger) is characterized in that the processing to store.

According to the implementation method of the present invention, after the loan repayment procedure is performed, the loan settlement unit 1830 generates predetermined settlement processing information including settlement processing details corresponding to the loan repayment and linked with the employee information. Preferably, the storage medium 1870 is processed and stored in the storage medium 1870. The settlement processing information is then provided to the wireless terminal according to the information confirmation service procedure of the customized service, and then output through the wireless banking program.

The financial system is a general term for a financial computer system in which an employee financial account corresponding to the employee financial account information is opened. Referring to FIG. 18, the financial system opens at least one financial account to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on an account, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); To an information system that processes headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., Internet, banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) access to the financial system, and / or various ones through at least one common network (eg, CD common network, financial common network). And an external system that provides a financial transaction interface, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and an internal component of the financial system. DBMS (DataBase Management System) comprising at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in an element. It is characterized by comprising a).

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

According to an embodiment of the present invention, the DBMS provided in the financial system may be configured by the financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

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

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the financial system to provide a wireless banking service to the corporate staff based on at least one or more financial transaction-related information for providing a wireless banking service for the corporate staff. Since you will be familiar with an embodiment of performing a financial transaction procedure for, the detailed description thereof will be omitted for convenience.

When the banking processing unit 1815 completes a financial transaction procedure for providing a wireless banking service for the corporate employee in connection with the financial system, the information transmission unit 1825 may specify a predetermined financial transaction history corresponding to the financial transaction procedure. Generating wireless banking result information including a, and transmits the generated wireless banking result information in conjunction with the wireless banking interface unit 1805 to the wireless terminal through the wireless communication network.

According to an embodiment of the present invention, the financial transaction details include a financial transaction approval history for a financial transaction procedure for providing a wireless banking service and a personalized service for the corporate employee, or at least one or more of the financial transaction procedures. It is desirable to include a financial transaction error history.

The wireless terminal that has received the wireless banking result information from the wireless banking server through the wireless communication network reads the financial transaction details contained in the received wireless banking result information through the wireless banking program, and reads the read finance. The transaction history information (for example, financial transaction approval history information or financial transaction error history information) is output to the screen output means provided in the wireless terminal.

According to the present invention, the enterprise personalized server 1835 connects and manages a wireless banking program provided in the radio terminal and a communication channel for providing the personalized service through the wireless communication network. It is characterized by comprising.

Referring to FIG. 18, the enterprise customization server 1835 may include an information receiver 1850 that receives at least one enterprise customization service request information from the radio terminal through the air interface unit 1845, and the enterprise customization service request. An information confirmation unit 1855 for identifying at least one or more enterprise customized services to be read and provided to the employee wireless terminal, and an enterprise customized service corresponding to the enterprise customized service request information through the information verification unit 1855. Is confirmed, in association with the air interface unit 1845, a wireless interface providing unit 1840 for providing a wireless interface corresponding to the enterprise service request information to the wireless terminal, and the air interface providing unit 1840. Corresponding to the enterprise-specific service request information through a wireless interface provided by the wireless terminal FIG. 1 is provided with a personalized service processor 1860 for providing one or more enterprise personalized services.

In addition, the wireless banking server authenticates the validity of the corporate employee in connection with a predetermined employee information D / B (1875) in order to provide a wireless banking service and personalized service for the corporate employee through the wireless banking program. And an employee certification unit 1865, wherein the position of the employee information D / B 1875 is at least one wireless to the corporate employee through the wireless banking program provided in the corporate employee wireless terminal. Equipped in a wireless banking server that provides a banking service, or provided in a predetermined company-customized server 1835 that provides at least one corporate customized service to the corporate employee through the wireless banking program provided to the corporate employee wireless terminal. Or on the intranet server side of the enterprise It is preferred.

According to an embodiment of the present invention, when the employee information D / B 1875 is provided in the corporate custom server 1835, the corporate bank server 1835 is transferred from the wireless banking program provided in the wireless terminal. When providing predetermined employee authentication information, it is preferable that the employee authentication unit 1865 authenticates the validity of the employee through the received employee authentication information in connection with the employee information D / B 1775.

In this case, when the validity of the employee is authenticated, the employee authentication unit 1865 may further include providing a validity authentication result for the employee to the wireless banking server.

According to another exemplary embodiment of the present invention, the employee information D / B 1875 is provided in the enterprise-customized server 1835, but the predetermined bank employee authentication information is provided in the wireless banking program provided in the wireless terminal. In the case of providing the server, when the wireless banking server relays the employee authentication information to the corporate personalized server 1835, the employee authentication unit 1865 is connected to the employee information D / B 1875 to receive the received information. It is desirable to authenticate the validity of the employee through the employee authentication information, and to provide the wireless banking server with the result of the validity authentication for the employee.

According to another exemplary embodiment of the present invention, the employee information D / B 1875 is provided in the wireless banking server, but predetermined employee authentication information is stored in the wireless banking program provided in the wireless terminal. 1835, when the corporate personalized server 1835 relays and transmits the employee authentication information to the corporate personalized server 1835, the wireless banking server is linked with the employee information D / B 1775. It is possible to authenticate the validity of the employee through the received employee authentication information, and to provide the validity authentication result for the employee to the enterprise-specific server (1835).

The information receiving unit 1850 is operated by the wireless banking program in the wireless terminal, at least one or more enterprise-specific service request information for providing a company-specific service for the corporate employee through the wireless banking program is input (or generated) When transmitted through the wireless communication network, it is characterized in that for receiving the customized service request information transmitted from the wireless terminal through the air interface unit 1845.

When it is confirmed through the information receiving unit 1850 that at least one or more corporate personalized service request information for providing the corporate personalized service to the corporate employee is received, the information verification unit 1855 corresponds to the corporate personalized service request information. It is characterized by checking whether the type of enterprise customized service is an information verification service, an information registration service, or an information provision service.

According to an exemplary embodiment of the present invention, when the enterprise-customized service corresponding to the enterprise-customized service request information is an information verification service such as a predetermined pay statement verification service, a CEO instruction verification service, a work instruction and verification service, and the like, the information confirmation The unit 1855 may provide the received corporate personalized service request information to the personalized service processor 1860.

The personalized service processor 1860 may provide the personalized service request information in association with a storage medium 1870 that stores at least one personalized service information for providing an information confirmation service corresponding to the personalized service request information. And extracting predetermined corporate personalized service information corresponding to and providing the extracted corporate personalized service information to the wireless terminal through the communication channel.

According to the exemplary embodiment of the present invention, when the customized service information stored in the storage medium 1870 does not include a data structure that can be output through a wireless banking program provided in the wireless terminal, the customized service processing unit ( 1860 may further include converting the data structure of the enterprise-specific service information extracted from the storage medium 1870 into a data structure that can be output through a wireless banking program provided in the wireless terminal.

For example, when the encoding method of the character information stored in the storage medium 1870 is not compatible with the wireless banking program provided in the wireless terminal, the personalized service processor 1860 may read the character information. It is preferable to encode using an encoding method that can be output through a wireless banking program provided in the wireless terminal.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content stored in the storage medium 1870 is not compatible with the wireless banking program provided in the wireless terminal, the custom The service processor 1860 converts the file format (or compression codec) of the image content and / or sound content and / or multimedia content into a file format (or compression codec) that can be output through a wireless banking program included in the wireless terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the enterprise personalized service corresponding to the enterprise personalized service request information is an information registration service such as a predetermined corporate bulletin board service and a business characteristic of each company, the information checking unit 1855 may provide the received corporate personalized service request information to the air interface providing unit 1840.

The air interface providing unit 1840 generates predetermined air interface information that matches a wireless interface for inputting (or selecting) predetermined information corresponding to the enterprise service request information in a wireless banking program included in the wireless terminal. (Or extract) and transmit the data to the wireless terminal through the communication channel.

For example, when the information registration service is an enterprise bulletin board service, the air interface information transmitted by the air interface provider 1840 to the radio terminal preferably includes the enterprise bulletin board list information.

Alternatively, when the information registration service is a business reporting service according to the business characteristics of each company, the air interface information transmitted by the wireless interface providing unit 1840 to the wireless terminal is an update procedure (or payment procedure) of the business report. It is preferable to include the storage location information according to.

Thereafter, the wireless banking program included in the wireless terminal inputs (or selects) predetermined parameter information and / or customized service registration information corresponding to the enterprise customized service request information through a predetermined wireless interface corresponding to the wireless interface information. It is preferable to transmit to the enterprise personalized server 1835, the predetermined parameter information and / or personalized service registration information corresponding to the enterprise personalized service request information through the air interface unit 1845 to the information receiving unit ( The predetermined parameter information and / or the customized service registration information received at 1850 and corresponding to the enterprise customized service request information are provided to the customized service processor 1860.

When predetermined parameter information and / or customized service registration information corresponding to the enterprise customized service request information is received from the wireless banking program included in the wireless terminal, the customized service processor 1860 is based on the received parameter information. The personalized service registration information may be stored in a predetermined storage medium 1870.

According to an embodiment of the present invention, the personalized service registration information stored in the storage medium 1870 in response to the information registration service is provided to a wireless terminal of another employee through the information confirmation service, and / or the At least one corporate terminal 1897 provided in the enterprise is confirmed.

According to another exemplary embodiment of the present invention, the enterprise customized service corresponding to the enterprise customized service request information is an information providing service such as a business reporting service according to the business characteristics of each company, and is predetermined in the received corporate customized service request information. If the parameter information and / or the customized service registration information is included, the information check unit 1855 is characterized in that for providing the received corporate personalized service request information to the personalized service processing unit 1860.

When the corporate personalized service request information including predetermined parameter information and / or personalized service registration information is received from the wireless banking program provided in the wireless terminal, the personalized service processor 1860 based on the received parameter information. The personalized service registration information may be stored in a predetermined storage medium 1870.

According to an embodiment of the present invention, the personalized service registration information stored in the storage medium 1870 in response to the information registration service is provided to a wireless terminal of another employee through the information confirmation service, and / or the At least one corporate terminal 1897 provided in the enterprise is confirmed.

According to the present invention, the air interface providing unit 1840 and / or the custom service processing unit 1860 included in the enterprise custom server 1835 provide at least one or more enterprise custom service corresponding to the enterprise custom service request information. The storage medium 1870 used to store at least one corporate customized service information registered through the corporate terminal 1897 and / or at least one corporate customized service information registered through the employee's wireless terminal is stored. The storage medium 1870 may be provided in the enterprise custom server 1835 or may be associated with the enterprise custom server 1835, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the personalized service information stored in the storage medium 1870 may include at least one or more instruction information (eg, CEO instruction confirmation service or business instruction) registered through the corporate terminal 1897. And confirmation service) and employee information (or employee group information) for confirming the above instructions, preferably, the company-specific service information including the instruction information and employee information (or employee group information). Preferably, the personalized service processor 1860 is used to provide predetermined instruction information checking service to at least one or more employee wireless terminals corresponding to the employee information.

Alternatively, the customized service information stored in the storage medium 1870 may include at least one bulletin board registration information registered through the corporate terminal 1897, and / or at least one bulletin board registered through the employee's wireless terminal. It is preferable that the registration information is included, and the customized service information including the bulletin board registration information is used by the customized service processor 1860 to provide a predetermined bulletin board information registration service to at least one or more employee wireless terminals. desirable.

Alternatively, the personalized service information stored in the storage medium 1870 may be formed by linking at least one salary statement information registered through the corporate terminal 1897 and the employee information to confirm the salary statement. The personalized service information including the salary statement information and the employee information is used by the personalized service processor 1860 to provide a predetermined salary statement information confirmation service to a predetermined employee wireless terminal corresponding to the employee information. It is preferable.

In the technical field to which the present invention pertains, various information configurations for the customized service information stored in the storage medium 1870, and correspondingly, the customized service processing unit 1860 is connected to the employee wireless terminal. Various implementation methods for providing at least one or more information confirmation services, and / or information registration services, and / or information provision services may be inferred, but the present invention is characterized by including all the inferred implementation methods. .

According to the present invention, the corporate personalized wireless banking system for providing a corporate banking service and the corporate personalized service for employees, receiving at least one or more corporate personalized service information from the corporate terminal (1897) to the storage medium (1870) It is preferable to include an information registration server 1880 to store.

The enterprise terminal 1897 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 1880 and communicates through is preferably made.

According to another exemplary embodiment of the present invention, the enterprise terminal 1897 is a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network (or a high speed downlink packet access (HSDPA) based mobile communication network), and / Or at least one wireless terminal including at least one portable Internet terminal connected to IEEE 802.16x based high speed wireless Internet, and / or a wireless LAN terminal connected to IEEE 802.11x based wireless LAN communication network. The present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the corporate terminal 1897 preferably includes at least one employee terminal or a CEO terminal provided in a company that provides the enterprise customized service.

The corporate terminal 1897 outputs at least one or more interface screens provided by the information registration server 1880, and inputs and / or selects at least one or more information through the interface screen to the information registration server 1880. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the enterprise terminal 1897 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the enterprise terminal 1897 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the enterprise terminal 1897 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

According to an embodiment of the present invention, the information registration server 1880 communicates with the enterprise terminal 1897 via the network means in order to provide a web interface corresponding to the enterprise terminal 1897 and the network means. And an interface unit 1885 for connecting and managing channels, whereby the information registration server 1880 is connected to the enterprise terminal 1897 via a wired communication network and / or a wireless communication network. It has the function of the server 300.

According to an exemplary embodiment of the present invention, when the enterprise terminal 1897 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 1885 may connect the enterprise terminal 1897 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the corporate terminal 1897 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing predetermined corporate personalized service information input (or selected) through the interface screen from the corporate terminal 1897.

According to another exemplary embodiment of the present invention, when the corporate terminal 1897 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 1885 may communicate with the corporate terminal 1897 and WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of WML (Wireless Markup Language) and / or HTML compatible document to the enterprise terminal 1897 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen and receiving and processing predetermined corporate personalized service information corresponding to the interface screen from the corporate terminal 1897.

According to another exemplary embodiment of the present invention, when the corporate terminal 1897 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1885 may be connected to the corporate terminal 1897. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined interface screen and / or information providing screen to the enterprise terminal 1897 through the communication channel. It is preferable to perform a function of receiving and processing predetermined corporate customized service information corresponding to the interface screen from the corporate terminal 1897, and / or the corporate terminal 1897 communicates through an IEEE 802.11x based wireless communication network. When the channel is a wireless terminal to which the channel is connected, the interface unit 1885 uses a wireless protocol corresponding to the enterprise terminal 1897 and the IEEE 802.11x standard. Connects a predetermined communication channel, transmits and outputs a predetermined interface screen and / or information providing screen to the corporate terminal 1897 via the communication channel, and corresponds to the interface screen from the corporate terminal 1897. It is preferable to perform a function of receiving and processing predetermined enterprise customized service information.

Referring to FIG. 18, the information registration server 1880 is interlocked with the interface unit 1885 when a predetermined corporate terminal 1897 accesses the information registration server 1880 through the interface unit 1885. An interface providing unit 1890 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting predetermined corporate customized service information from the corporate terminal 1897, and the interface unit 1885. An information receiving unit 1895 for receiving the corporate personalized service information inputted (or selected) and transmitted from the corporate terminal 1897 through the interface screen, and the received corporate personalized service information in the storage medium 1870. And an information storage unit 1896 for storing the information.

The interface providing unit 1890 has a functional configuration (eg, enterprise) provided to the corporate terminal 1897 when a predetermined corporate terminal 1897 connects to the information registration server 1880 through the interface unit 1885. In response to a browser program provided in the terminal 1897, a predetermined interface screen capable of inputting (or selecting) predetermined corporate personalized service information to be transmitted to the information registration server 1880 through the network means, or And / or extract from a predetermined database (not shown) and provide the generated (or extracted) interface screen to the enterprise terminal 1897 via the network means in association with the interface unit 1885. do.

Thereafter, the corporate terminal 1897 inputs (or selects) predetermined corporate personalized service information based on the interface screen, and when it is confirmed that the corporate personalized service information is inputted (or selected), the corporate terminal 1897 ) Transmits the input (or selection) of the enterprise personalized service information to the information registration server 1880 through the network means.

Those skilled in the art to which the present invention pertains may input (or select) the enterprise customized service information through at least one form form included in the interface screen in the enterprise terminal 1897. And technical features for transmitting the customized (or selected) company-specific service information to the information registration server 1880 through a communication protocol provided by the network means. Is omitted for convenience.

The information receiving unit 1895 interoperates with the interface unit 1885 when the enterprise terminal 1897 inputs (or selects) predetermined company-specific service information through the interface screen and transmits the information through the network means. Characterized by receiving the tailored service information, and provides the received corporate tailored service information to the information storage unit (1896).

The information storage unit 1896 stores the enterprise tailored service information received through the information receiving unit 1895 in the storage medium 1870.

According to an exemplary embodiment of the present invention, the personalized service information stored in the storage medium 1870 may include at least one or more instruction information (eg, CEO instruction confirmation service or business instruction) registered through the corporate terminal 1897. And confirmation service) and employee information (or employee group information) for confirming the above instructions, preferably, the company-specific service information including the instruction information and employee information (or employee group information). Preferably, the personalized service processor 1860 is used to provide predetermined instruction information checking service to at least one or more employee wireless terminals corresponding to the employee information.

Alternatively, the customized service information stored in the storage medium 1870 may include at least one bulletin board registration information registered through the corporate terminal 1897, and / or at least one bulletin board registered through the employee's wireless terminal. It is preferable that the registration information is included, and the customized service information including the bulletin board registration information is used by the customized service processor 1860 to provide a predetermined bulletin board information registration service to at least one or more employee wireless terminals. desirable.

Alternatively, the personalized service information stored in the storage medium 1870 may be formed by linking at least one salary statement information registered through the corporate terminal 1897 and the employee information to confirm the salary statement. The personalized service information including the salary statement information and the employee information is used by the personalized service processor 1860 to provide a predetermined salary statement information confirmation service to a predetermined employee wireless terminal corresponding to the employee information. It is preferable.

In the technical field to which the present invention pertains, various information configurations for the customized service information stored in the storage medium 1870, and correspondingly, the customized service processing unit 1860 is connected to the employee wireless terminal. Various implementation methods for providing at least one or more information confirmation services, and / or information registration services, and / or information provision services may be inferred, but the present invention is characterized by including all the inferred implementation methods. .

19 is a diagram illustrating an employee certification process for providing a wireless banking service and a customized service for an enterprise employee according to an exemplary embodiment of the present invention.

In more detail, in FIG. 19, when a predetermined wireless banking program mounted through the program providing system shown in FIGS. 3 and / or 5 is driven in the corporate employee wireless terminal illustrated in FIG. Providing predetermined employee authentication information for the corporate employee to the corporate personalized server 1835 (or corporate intranet server), and correspondingly, the corporate personalized server 1835 on the corporate personalized wireless banking system shown in FIG. Or a corporate intranet server) for a process of authenticating the validity of the corporate employee for providing a wireless banking service for a corporate employee and a personalized service for a corporate employee, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. Refer to and / or modify 19 to provide banking and corporate customization services for the above employees. Various implementation methods for the employee certification process for providing may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 19, the corporate employee wireless terminal illustrated in FIG. 7 is provided with a program providing system illustrated in FIGS. 3 and / or 5 to provide a wireless banking service and a customized service for the corporate staff. The wireless banking program is driven (1900).

According to an exemplary embodiment of the present invention, the wireless banking program is preferably booted after a predetermined power is input to the wireless terminal and then automatically included in a part of the booting process.

According to another exemplary embodiment of the present invention, after the wireless banking program is booted with a predetermined power input to the wireless terminal, the corporate employee selects a predetermined wireless banking menu or clicks a wireless banking related key button. It is preferable to be driven by.

According to another embodiment of the present invention, after the wireless banking program is booted with a predetermined power input to the wireless terminal, the corporate employee selects a predetermined corporate customized service menu or a corporate customized service related key. It is preferable to drive by clicking a button.

When it is confirmed that the wireless banking program is driven as described above (1905), the wireless terminal accesses the corporate personalized server 1835 on the corporate personalized wireless banking system shown in FIG. 18 through the wireless banking program, and the corporate Custom server 1835 provides predetermined employee authentication information (1910), and in response, the company custom server 1835 is linked to a predetermined employee information D / B (1875) through the employee authentication information to the company Validate the validity of employees (1915).

According to an embodiment of the present invention, when the employee information D / B 1875 is provided in the corporate personalized server 1835, the corporate personalized server 1835 is predetermined in the wireless banking program provided in the wireless terminal. When providing the employee authentication information of the, the enterprise-specific server 1835 is preferably in connection with the employee information D / B (1875) to authenticate the validity of the employee through the received employee authentication information.

According to another exemplary embodiment of the present invention, when the employee information D / B 1875 is provided in a separate server (for example, an intranet server or a DB server of the company) in addition to the corporate custom server 1835, When the wireless banking program provided in the wireless terminal provides a predetermined employee authentication information to the corporate custom server 1835, the corporate custom server 1835 is a separate employee provided with the employee information D / B (1875) And relaying the employee authentication information to a server, and receiving the employee authentication result corresponding to the upper employee authentication information from the separate server.

If the validity of the corporate employee is not authenticated (1920), the corporate custom server 1835 generates the validity error information for the corporate employee and transmits it to the wireless terminal (1925), and correspondingly, the wireless terminal. The wireless banking program ends (1930).

If the validity of the corporate employee is authenticated (1920), the corporate personalized server 1835 generates a validity authentication result for the corporate employee and transmits the result to the wireless terminal (1935).

According to the implementation method of the present invention, the corporate custom server 1835 preferably transmits the validation result of the corporate employee to the wireless banking server, the wireless banking server after the validation result of the corporate employee It is desirable to provide at least one or more wireless banking services to the corporate staff with reference to.

Thereafter, the wireless terminal periodically checks whether a predetermined wireless banking service is provided to the corporate employees through the wireless banking program (1940).

According to an exemplary embodiment of the present invention, the wireless banking service for the corporate employee may be provided by the corporate employee by selecting a predetermined wireless banking menu or by clicking a key button related to wireless banking. It is preferable to include a menu for loaning a predetermined amount by setting the salary paid to the company employees in the company as collateral.

According to another exemplary embodiment of the present invention, the corporate banking wireless banking service is provided by the wireless banking program provided in the wireless terminal to check the schedule information stored in the memory unit periodically and / or at a specific date and time automatically It is preferable.

If a wireless banking service for the corporate employee is provided (1945), the wireless terminal is connected to the enterprise as illustrated in FIGS. 20a and 20b or 21a and 21b or 22a and 22b through the wireless banking program. Provide wireless banking service for employees.

In operation 1950, the wireless terminal periodically checks whether a predetermined corporate personalized service is provided to the corporate employees through the wireless banking program.

According to an exemplary embodiment of the present invention, the corporate personalized service is preferably provided by the corporate employee by selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, it is preferable that the personalized service is automatically provided by a wireless banking program provided in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. .

If the personalized service is provided (1955), the wireless terminal provides the personalized service as shown in FIG. 24, or 25a and 25b, or 26 through the wireless banking program.

20A and 20B illustrate a wireless banking process for corporate employees according to an exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B are shown in FIG. 18 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or the corporate intranet server) on the illustrated corporate personalized wireless banking system, the corporate employee through the wireless banking program in the wireless terminal. As a process for providing a predetermined wireless banking service to the customer, specifically, in the employee authentication process illustrated in FIG. 19, the corporate employee selects a predetermined wireless banking menu through the wireless banking program to provide wireless banking. It is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 20a and 20b to infer various implementation methods for the wireless banking process for the corporate employees. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in the present drawings 20a and 20b.

20A and 20B, the wireless terminal shown in FIG. 7 is shown in FIG. 18 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After performing an employee authentication process shown in FIG. 19 and an enterprise personalized server 1835 (or an enterprise intranet server) on a personalized company wireless banking system, the wireless terminal provides a predetermined number to the corporate employee through the wireless banking program. When providing a wireless banking service, the wireless terminal requests the corporate employee financial account information to the wireless banking server through the wireless banking program (2000), and correspondingly, the wireless banking server 1800 is the financial system The employee financial account information is extracted from the ledger D / B on the bank and transmitted to the wireless terminal (2005).

According to another embodiment of the present invention, when the employee financial account information is provided in a memory unit provided in the wireless terminal, or a predetermined financial IC chip provided in the wireless terminal, the wireless terminal provides the information through the wireless banking program. The process of requesting and receiving the corporate employee financial account information from the wireless banking server may be omitted. In this case, the corporate employee financial account information may be a memory unit provided in the wireless terminal, or a predetermined portion provided in the wireless terminal. Extracted from financial IC chips.

Thereafter, the wireless terminal inputs (or selects) at least one financial transaction information including the employee financial account information through the wireless banking program (2010).

According to the implementation method of the present invention, the financial transaction information preferably comprises predetermined financial transaction amount information according to the financial transaction type to be processed through the wireless banking program, wherein the financial transaction amount information is the employee It is preferable to include at least one or more of the amount withdrawn from the financial account, and / or the amount deposited into the employee's financial account, and may be omitted (eg, account inquiry transaction) according to the type of financial transaction, thereby The present invention is not limited.

In addition, when the financial transaction to be processed through the wireless banking program is a bank transfer transaction, the financial transaction information may include at least one deposit account information (eg, a financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction). In the case that the bank transfer amount transfers the deposit account number, etc.) and / or the virtual account information (eg, the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to the virtual account, It is preferable that the amount comprises at least one), such as a virtual account number to be transferred.

If the financial transaction information is input (or selected) (2015), the wireless terminal inputs predetermined wireless banking authentication information for processing the non-face-to-face financial transaction through the wireless banking program (2020).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the employee's financial account, and / or a financial transaction password corresponding to the financial transaction requested through the wireless banking request information (eg, a bank transfer password). And / or a security code (e.g., a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes), and / or an OTP code generated through a predetermined OTP generator, or the like. It is preferable to include one or more.

If the wireless banking authentication information is input (2025), the wireless terminal receives at least one financial transaction information and the wireless banking authentication information corresponding to the corporate employee financial account information and the financial transaction type through the wireless banking program. Generating predetermined wireless banking request information (2030), and generating the generated wireless banking request information by at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and And / or an electronic envelope encryption scheme, and / or a key exchange encryption scheme, or the like (2035).

According to an embodiment of the present invention, the wireless banking request information includes corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type, and the wireless banking authentication information to the wireless banking server through the wireless communication network. It is desirable to include a data structure corresponding to a communication protocol (or security protocol) defined for transmission.

If the wireless banking request information is encrypted (2040), the wireless terminal transmits the wireless banking request information to the wireless banking server through the wireless communication network (2045), the wireless banking server through the wireless communication network In operation 2050, the wireless banking request information is received and the wireless banking request information is decrypted through a predetermined decryption method corresponding to the encryption method.

If the wireless banking request information is decoded (2055), the wireless banking server 1800 performs a wireless financial transaction procedure using an employee financial account corresponding to the wireless banking request information in association with the financial system (2060). .

In the technical field of the present invention, the wireless banking server 1800 performs a predetermined wireless financial transaction procedure through at least one financial transaction information and corporate employee financial account information included in the wireless banking request information in connection with the financial system. Since you will be familiar with the process to perform, a detailed description thereof will be omitted for convenience.

If the wireless financial transaction procedure is completed (2065), the wireless banking server 1800 generates predetermined wireless banking result information corresponding to the wireless banking request information in association with the financial system (2070), and the wireless The wireless banking result information is transmitted to the wireless terminal through a communication network (2075), and then the wireless terminal may provide at least one or more other wireless banking services through the wireless banking program, or provide an enterprise customized service. .

21A and 21B illustrate a wireless banking process for corporate employees according to another exemplary embodiment of the present invention.

In more detail, FIGS. 21A and 21B are diagrams of FIG. 18 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process illustrated in FIG. 19 in connection with the corporate personalized server 1835 (or the corporate intranet server) on the illustrated corporate personalized wireless banking system, the corporate employee through the wireless banking program in the wireless terminal. The present invention relates to a process of providing a predetermined wireless banking service to a company. Specifically, in the employee authentication process illustrated in FIG. 19, the wireless banking program may refer to predetermined schedule information stored in the memory unit. It shows the process provided.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 21a and 21b to infer various implementation methods for the wireless banking process for corporate employees. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in the present figures 21a and 21b.

21A and 21B, the wireless terminal shown in FIG. 7 is shown in FIG. 18 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After performing an employee authentication process shown in FIG. 19 and an enterprise personalization server 1835 (or an enterprise intranet server) on the personalized enterprise wireless banking system, the wireless banking program stores predetermined schedule information stored in the memory unit. When providing a wireless banking service for the corporate employees by reference, the wireless terminal checks at least one or more schedule information from the memory unit through the wireless banking program (2100), the predetermined wireless banking for the corporate employees Check to provide service.

If it is confirmed that the predetermined wireless banking service is provided to the employees of the enterprise (2105), the wireless terminal includes the predetermined banking information including wireless banking information stored in the memory unit in association with the schedule information and the schedule information. The transaction information is extracted and output through the wireless banking program, and a request is made to approve the provision of a wireless banking service for corporate employees through the financial transaction information (2110).

According to an embodiment of the present invention, the financial transaction information output to the wireless banking program may include predetermined financial transaction amount information according to the type of financial transaction to be processed through the wireless banking program, wherein the The financial transaction amount information may include at least one or more of the amount withdrawn from the employee's financial account, and / or the amount deposited into the employee's financial account, and may be omitted depending on the type of financial transaction (eg, account inquiry transaction). The present invention is not limited thereto.

The financial transaction information output to the wireless banking program may include at least one deposit account information (for example, financial transaction corresponding to the financial transaction code information) when the financial transaction to be processed through the wireless banking program is a wire transfer transaction. If the type corresponds to a wire transfer transaction, the deposit account number, etc., to which the transfer amount is transferred, and / or the virtual account information (eg, the financial transaction type corresponding to the financial transaction code information transfers a predetermined amount to the virtual account). In the case of a transaction to be made, it is preferable that the amount comprises at least one), such as a virtual account number is transferred.

If the provision of the wireless banking service for the corporate employee through the financial transaction information is not approved (2115), the wireless terminal processes the corporate employee to modify (or change) the financial transaction information through the wireless banking program ( 2120), the process of requesting to approve the provision of the wireless banking service for corporate employees through the modified (or changed) financial transaction information is repeated.

On the other hand, if the provision of wireless banking service for corporate employees through the financial transaction information is approved (2115), the wireless terminal inputs predetermined wireless banking authentication information for processing non-face-to-face financial transactions through the wireless banking program (2125). ).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the employee's financial account, and / or a financial transaction password corresponding to the financial transaction requested through the wireless banking request information (eg, account transfer). Passwords, etc.), and / or a security code (e.g., a security code printed on a security card issued to a customer, and / or a combination of at least two security codes), and / or an OTP code generated through a predetermined OTP generator. It is preferable to comprise at least one or more.

If the wireless banking authentication information is input (2130), the wireless terminal receives at least one financial transaction information and the wireless banking authentication information corresponding to the corporate employee financial account information and the financial transaction type through the wireless banking program. Generating predetermined wireless banking request information (2135), and generating the generated wireless banking request information by at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and And / or an electronic envelope encryption scheme, and / or a key exchange encryption scheme, or the like (2140).

According to an embodiment of the present invention, the wireless banking request information includes corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type, and the wireless banking authentication information to the wireless banking server through the wireless communication network. It is desirable to include a data structure corresponding to a communication protocol (or security protocol) defined for transmission.

If the wireless banking request information is encrypted (2145), the wireless terminal transmits the wireless banking request information to the wireless banking server through the wireless communication network (2150), and the wireless banking server via the wireless communication network The wireless banking request information is received and the wireless banking request information is decrypted through a predetermined decryption method corresponding to the encryption method (2155).

If the wireless banking request information is decoded (2160), the wireless banking server 1800 performs a wireless financial transaction procedure using an employee financial account corresponding to the wireless banking request information in connection with the financial system (2165). .

In the technical field of the present invention, the wireless banking server 1800 performs a predetermined wireless financial transaction procedure through at least one financial transaction information and corporate employee financial account information included in the wireless banking request information in connection with the financial system. Since you will be familiar with the process to perform, a detailed description thereof will be omitted for convenience.

If the wireless financial transaction procedure is completed (2170), the wireless banking server 1800 generates predetermined wireless banking result information corresponding to the wireless banking request information in connection with the financial system (2175), and the wireless The wireless banking result information is transmitted to the wireless terminal through a communication network (2180), and the wireless terminal may then provide at least one or more other wireless banking services through the wireless banking program, or provide an enterprise-specific service. .

22A and 22B illustrate a loan process for setting salaries of corporate employees as collateral in accordance with an embodiment of the present invention.

In more detail, FIGS. 22A and 22B are shown in FIG. 18 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or the corporate intranet server) on the illustrated corporate personalized wireless banking system, the wireless terminal performs the wireless banking program in the enterprise. A process of loaning a predetermined amount by setting a salary paid to a company employee as a collateral. Specifically, in the employee authentication process shown in FIG. 19, the company employee uses a wireless banking program. When the payday loan menu is selected, the process of processing the payday loan is shown. The.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for the process of lending the salary of the employees of the enterprise as collateral by referring to and / or modifying the drawings 22a and 22b. Although there will be, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the actual method shown in Figures 22a and 22b.

22A and 22B, the wireless terminal shown in FIG. 7 is shown in FIG. 18 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After performing the employee authentication process shown in FIG. 19 and the corporate personalized server 1835 (or the corporate intranet server) on the customized corporate wireless banking system, the wireless terminal provides the corporate employee with the corporate employee through the wireless banking program. When selecting a wireless banking menu to loan a predetermined amount by setting the salary paid as collateral, the wireless terminal requests the corporate employee financial account information to the wireless banking server through the wireless banking program (2200), Correspondingly, the wireless banking server 1800 may provide at least one or more employee gold from the ledger D / B on the financial system. And extracts the account information sent to the wireless terminal 2205.

According to another embodiment of the present invention, when the employee financial account information is provided in a memory unit provided in the wireless terminal, or a predetermined financial IC chip provided in the wireless terminal, the wireless terminal provides the information through the wireless banking program. The process of requesting and receiving the corporate employee financial account information from the wireless banking server may be omitted. In this case, the corporate employee financial account information may be a memory unit provided in the wireless terminal, or a predetermined portion provided in the wireless terminal. Extracted from financial IC chips.

Thereafter, the wireless terminal selects an employee salary account for paying the salary to the employee from the employee financial account through the wireless banking program (2210), and the loan application amount and loan period information through the wireless banking program. And predetermined loan application information including loan repayment information (eg, loan / payment date / division repayment method, loan repayment date and time information, etc.) (2215).

If the loan application information is input (or selected) (2220), the wireless terminal inputs predetermined wireless banking authentication information for processing non-face-to-face financial transactions through the wireless banking program (2225).

According to an embodiment of the present invention, the wireless banking authentication information is a financial transaction password (eg, for processing a payday loan requested through the account password corresponding to the employee's financial account, and / or the payday loan request information. Bank transfer passwords, etc.), and / or security codes (e.g., security codes printed on security cards issued to customers, and / or combinations of at least two security codes), and / or OTP codes generated through certain OTP generators. It is preferable to include at least one or more.

If the wireless banking authentication information is input (2230), the wireless terminal through the wireless banking program, the company employee salary account information, the loan application amount, loan period information and loan repayment information (for example, the date and time of the loan) The loan application information, including the split payment method, the loan repayment date and time information), and predetermined payday loan request information including the wireless banking authentication information (2235), and generates the payday loan request information. Encryption is performed according to at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.) (2240). ).

According to an embodiment of the present invention, the payday loan request information includes a corporate employee financial account information, at least one financial transaction information corresponding to the financial transaction type and the wireless banking authentication information through the wireless banking server. It is preferred to include a data structure corresponding to the communication protocol (or security protocol) defined for transmission to the network.

If the payday loan request information is encrypted (2245), the wireless terminal transmits the payday loan request information to the wireless banking server through the wireless communication network (2250), and the wireless banking server establishes the wireless communication network. Receiving the payday loan request information through the decryption process of the payday loan request information through a predetermined decryption method corresponding to the encryption method (2255).

If the payday loan request information is decoded (2260), the wireless banking server 1800 examines the loan application information based on employee payroll account information included in the payday loan request information to the enterprise. The validity of the payday loans loaned by checking the salary paid to the employees of the company as collateral is checked (2265).

According to the implementation method of the present invention, the wireless banking server 1800 checks whether the loan application amount and the interest accordingly can be repaid in full during the loan period based on the salary information of the employee, so that the employee in the company It is preferable to set the salary paid to the collateral to check the validity of the payday loan for processing the loan corresponding to the loan application information.

Alternatively, the wireless banking server 1800 checks the financial transaction history of the employee's salary account, and after the predetermined salary is paid to the employee in the company, the employee's mandatory is based on the withdrawal history of the salary. Corresponding to the loan application information by setting the salary paid to the employee as collateral by checking whether the loan application amount and the interest can be fully repaid during the loan period based on the remaining amount excluding the expenses. It is advisable to verify the effectiveness of payday loans to process loans.

Alternatively, the wireless banking server 1800 inquires whether the employee is included in the restructuring within the loan period to the terminal of the person in charge of the corporate terminal 1897, to secure the salary paid to the employee in the company It is preferable to confirm the validity of the payday loan for processing the loan corresponding to the loan application information by setting.

If the person having ordinary knowledge in the technical field to which the present invention belongs, salary collateral loaning the loan application amount during the loan period by setting the salary paid by the wireless banking server 1800 to the employee in the company as collateral Various implementation methods for verifying loan validity may be inferred, but the present invention is characterized by including all the implementation methods inferred.

If the payday loan validity is not confirmed (2270), the wireless banking server generates predetermined payday loan error information and transmits the predetermined payday loan error information to the wireless terminal through the wireless communication network (2275).

On the other hand, if the validity of the payday loan is not confirmed (2270), the wireless banking server performs an employee payday loan procedure corresponding to the loan application information in connection with the financial system (2280).

According to an embodiment of the present invention, the wireless banking server 1800 withdraws the loan application amount included in the loan application information from the loan processing mother account of the financial institution in connection with the financial system to the employee financial account. A payday loan that deposits, generates predetermined ledger information (eg, loan ledger information) corresponding to the loan processing, and stores the linked ledger corresponding to the employee's financial account (eg, a customer ledger or an account ledger). It is desirable to carry out the procedure.

According to an embodiment of the present invention, after the payday loan procedure corresponding to the loan application information is performed, the wireless banking server 1800 includes predetermined loan processing information including a loan processing history corresponding to the loan application information. It is preferable to generate and process the connection with the employee information to store in the storage medium (1870), and then the loan processing information is provided to the wireless terminal in accordance with the information verification service procedure of the customized service of the wireless banking program It is preferable to output through.

In addition, after the payday loan procedure corresponding to the loan application information is performed, the wireless banking server 1800, when a predetermined salary is deposited from the company to the employee salary account in connection with the financial system, the loan It is preferable to set an automatic lock function that prevents the loan repayment amount from being withdrawn until the loan repayment date and time corresponding to the loan repayment information of the application information (for example, the date / time of the loan repayment / division repayment method, the loan repayment date and time information, etc.).

If the payday loan procedure is completed (2285), the wireless banking server 1800 generates predetermined payday loan result information corresponding to the loan application information in connection with the financial system (2290), and the wireless The payroll loan result information is transmitted to the wireless terminal through a communication network (2295), and the wireless terminal may then provide at least one or more other wireless banking services or provide a company-specific service through the wireless banking program. have.

23 is a diagram illustrating a payday loan settlement process according to an embodiment of the present invention.

In more detail, FIG. 23 shows a company shown in FIG. 18 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the payday loan process shown in FIGS. 22A and 22B in connection with a wireless banking server on a customized wireless banking system, the company pays the payday loan amount when the company pays a predetermined salary to the employee. As a process for processing, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 23 to infer various implementation methods for the payday loan settlement process. The present invention comprises all the implementation methods inferred above, and only the implementation method illustrated in FIG. Characteristics is not limited.

Referring to FIG. 23, the enterprise personalization shown in FIG. 18 is performed through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the payday loan process shown in FIGS. 22A and 22B in connection with a wireless banking server on a wireless banking system, the wireless banking server 1800 is linked with the financial system to the employee payroll account. Check whether a predetermined salary is paid (2300).

If it is confirmed that the company has provided a predetermined salary to the employee salary account (2305), the wireless banking server 1800 the loan corresponding to the loan repayment information included in the loan application information (or loan processing information) It is checked whether the payment date has been reached (2310).

If the loan repayment date does not arrive at the time when a predetermined salary is paid to the employee salary account (2315), the wireless banking server 1800 is in the loan application information (or loan processing information) in the employee salary account. By setting a lock on the loan repayment scheduled amount according to the loan repayment method of the included loan repayment information (2320), the loan repayment scheduled amount is processed from the employee salary account.

On the other hand, if the loan repayment date and time has arrived (2315), the wireless banking server 1800 repays and settles the loan in accordance with the loan repayment method of the loan repayment information included in the loan application information (or loan processing information) Perform the procedure (2325).

According to the implementation method of the present invention, the wireless banking server 1800 is linked with the financial system according to the loan repayment method corresponding to the loan repayment information of the loan application information (or loan processing information) and a predetermined loan repayment amount It is preferable to withdraw interest from the employee payroll account and deposit the interest into the loan account of the financial institution.

In addition, after the financial transaction corresponding to the loan repayment is performed, the wireless banking server 1800 generates predetermined ledger information (eg, loan ledger information) corresponding to the loan repayment processing to correspond to the employee financial account. (E.g., a customer ledger or an account ledger) is preferably stored in a linked process.

If the loan repayment and settlement process is confirmed (2330), the wireless banking server generates predetermined settlement processing information corresponding to the loan repayment and settlement processing (2335), and the generated settlement processing information and the employee information It is stored in a predetermined storage medium (1870) by the cooperative processing (2340), and then the settlement processing information is provided to the wireless terminal in accordance with the information confirmation service procedure of the customized service to be output through the wireless banking program desirable.

24 illustrates a process of providing a personalized service through a wireless banking program according to an embodiment of the present invention.

In more detail, FIG. 24 shows the enterprise shown in FIG. 18 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or corporate intranet server) on the personalized wireless banking system, the wireless terminal provides at least one to the corporate employee through the wireless banking program. Regarding the above process of providing a personalized service, specifically, the wireless terminal is a process of providing a personalized service corresponding to an information confirmation service to the corporate employee through the wireless banking program.

Those skilled in the art to which the present invention pertains may refer to various embodiments of providing a personalized service through a wireless banking program by referring to and / or modifying the drawing 24. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 24, the enterprise personalization shown in FIG. 18 through the wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or the corporate intranet server) on the wireless banking system, the wireless terminal through the wireless banking program to check a predetermined pay statement, If a corporate customized service menu corresponding to an information confirmation service such as a CEO instruction confirmation service, a business instruction and confirmation service, etc. is selected (2400), the wireless terminal selects a predetermined parameter corresponding to the selected corporate customization service menu from the memory unit. Information is extracted (2405).

According to an exemplary embodiment of the present invention, the corporate personalized service menu selection process is preferably performed by the corporate employee selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, the corporate personalized service menu selection process may be performed automatically by a wireless banking program included in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. desirable.

Thereafter, the wireless terminal extracts predetermined personalized service request information (eg, payroll confirmation service request information, CEO instruction confirmation service request information, work instruction and confirmation service request information, etc.) corresponding to the enterprise customized service menu. Generates predetermined corporate customized service request information including the generated parameter information (2410), and transmits the generated customized corporate service request information to the wireless banking server 1800 (2415).

Subsequently, the wireless banking server 1800 reads the received corporate personalized service request information so that the corporate personalized service requested from the wireless terminal is assigned to a predetermined salary statement confirmation service, CEO instruction confirmation service, business instruction and confirmation service, and the like. It is checked whether the same information confirmation service (2420).

If the corporate tailoring service corresponding to the received corporate tailored service request information is not the information verification service (2425), the corporate tailoring server 1835 may store the storage medium 1870 on the corporate tailored wireless banking system shown in FIG. In operation 2430, an information registration service and / or an information providing service corresponding to the enterprise customized service request information is provided.

On the other hand, if the corporate personalized service corresponding to the received corporate personalized service request information is the information confirmation service (2425), the corporate personalized server 1835 is a storage medium (1870) on the corporate personalized wireless banking system shown in Figure 18 In operation 2435, the user personalized service information corresponding to the enterprise personalized service request information received from the wireless banking program provided in the wireless terminal is extracted.

Thereafter, the enterprise personalization server 1835 checks whether or not to convert the data structure for outputting the extracted enterprise personalized service information through a wireless banking program provided in the wireless terminal (2440). If the data structure needs to be transformed (2445), the enterprise personalized server 1835 converts the enterprise personalized service information into a data structure that can be output through a wireless banking program provided in the wireless terminal (2450).

For example, when the encoding scheme of the corporate personalized service information is not compatible with the wireless banking program provided in the wireless terminal, the personalized service processor 1860 may transmit the corporate personalized service information to the wireless terminal. It is preferable to encode in an encoding method that can be output through a banking program.

Or, if the file format (or compression codec) of the image content and / or sound content and / or multimedia content corresponding to the enterprise customized service information is not compatible with the wireless banking program provided in the wireless terminal, the customized service processing unit In operation 1860, the file format (or compression codec) of the image content and / or sound content and / or multimedia content may be converted into a file format (or compression codec) that can be output through a wireless banking program included in the wireless terminal. desirable.

If the corporate tailored service information is converted into a data structure that can be output through a wireless banking program provided in the wireless terminal, or if the data structure of the corporate tailored service information is not necessary, the corporate tailored server 1835 may be Send the customized service information to the wireless terminal (2455), and in response to the wireless terminal receives the customized service information and outputs through the wireless banking program (2460), the wireless terminal after the wireless banking The program may provide at least one other company-specific service or at least one wireless banking service for the company employees.

25A and 25B illustrate a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

In more detail, FIGS. 25A and 25B are shown in FIG. 18 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or the corporate intranet server) on the corporate personalized wireless banking system shown, the wireless terminal through the wireless banking program Regarding the process of providing at least one corporate personalized service to the employee, specifically in the process of providing a corporate personalized service corresponding to the information registration service to the corporate employee through the wireless banking program in the wireless terminal.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 25a and 25b to infer various implementation methods for providing a customized service through a wireless banking program. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 25A and 25B.

Referring to FIGS. 25A and 25B, the wireless terminal shown in FIG. 7 is shown in FIG. 18 through a wireless banking program mounted in the wireless terminal through the program providing system shown in FIGS. 3 and / or 5. After the employee authentication process shown in FIG. 19 is performed in connection with the corporate personalized server 1835 (or the corporate intranet server) on the customized personalized banking system, the wireless terminal provides a predetermined corporate bulletin board through the wireless banking program. If a corporate customized service menu corresponding to a service and a business reporting service according to the business characteristics of each company is selected (2500), the wireless terminal extracts predetermined parameter information corresponding to the selected corporate customized service menu from the memory unit. (2505).

According to an exemplary embodiment of the present invention, the corporate personalized service menu selection process is preferably performed by the corporate employee selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, the corporate personalized service menu selection process may be performed automatically by a wireless banking program included in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. desirable.

Thereafter, the wireless terminal stores predetermined customized service request information (eg, corporate bulletin board service request information, business report service request information according to business characteristics of each company, etc.) corresponding to the corporate customized service menu and the extracted parameter information. Generates predetermined corporate personalized service request information including 2510 and transmits the generated corporate personalized service request information to the wireless banking server 1800 (2515).

Thereafter, the wireless banking server 1800 reads the received corporate personalized service request information so that the corporate personalized service requested from the wireless terminal includes information such as a predetermined corporate bulletin board service and a business reporting service according to the business characteristics of each company. Check whether the service is a registration (2520).

If the corporate personalized service corresponding to the received corporate personalized service request information is not the information registration service (2525), the corporate personalized server 1835 may store the storage medium 1870 on the corporate personalized wireless banking system shown in FIG. In operation 2530, an information confirmation service and / or an information providing service corresponding to the enterprise customized service request information is provided.

On the other hand, if the corporate personalized service corresponding to the received corporate personalized service request information is the information registration service (2525), the corporate personalized server 1835 is a storage medium (1870) on the corporate personalized wireless banking system shown in Figure 18 In operation 2535, the wireless interface information corresponding to the enterprise-specific service request information received from the wireless banking program provided in the wireless terminal is transmitted, and the determined wireless interface information is transmitted to the wireless terminal. .

For example, when the information registration service is a corporate bulletin board service, the air interface information may include the corporate bulletin board list information.

Alternatively, when the information registration service is a business report service according to the business characteristics of each company, the air interface information is preferably made to include the storage location information according to the renewal procedure (or payment procedure) of the business report.

Thereafter, the wireless terminal outputs a predetermined wireless interface screen corresponding to the wireless interface information through the wireless banking program (2545), and at least one or more customized service registration information through the wireless interface screen corresponding to the wireless banking program. Enter (or select) 2550.

For example, when the information registration service is a corporate bulletin board service, the customized service registration information input (or selected) through the air interface screen may include at least one bulletin board registration information to be registered in the corporate bulletin board.

Alternatively, when the information registration service is a business report service according to the business characteristics of each company, the customized service registration information input (or selected) through the wireless interface screen may include at least one or more business report information. .

If the input (or selection) of the personalized service registration information is confirmed (2555), the wireless terminal transmits the inputted (or selected) personalized service registration information to the wireless banking server 1800 (2560). In response, the enterprise personalization server 1835 stores the received personalized service registration information in the storage medium 1870 (2565). Thereafter, the wireless terminal may provide at least one or more other customized services through the wireless banking program, or may provide at least one or more wireless banking services to the corporate employees.

26 illustrates a process of providing a personalized service through a wireless banking program according to another exemplary embodiment of the present invention.

In more detail, FIG. 26 shows the enterprise shown in FIG. 18 through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or corporate intranet server) on the personalized wireless banking system, the wireless terminal provides at least one to the corporate employee through the wireless banking program. Regarding the above process of providing a personalized service, specifically, the wireless terminal is a process of providing a personalized service corresponding to an information providing service to the corporate employee through the wireless banking program.

Those skilled in the art to which the present invention pertains can refer to various embodiments of providing a customized service through a wireless banking program by referring to and / or modifying the drawing 26, but the present invention can be inferred from the above. It is made to include all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 26, the personalization shown in FIG. 18 is performed through a wireless banking program mounted on the wireless terminal through the program providing system shown in FIGS. 3 and / or 5 in the wireless terminal shown in FIG. After performing the employee authentication process shown in FIG. 19 in connection with the corporate personalized server 1835 (or the corporate intranet server) on the wireless banking system, the wireless terminal according to the business characteristics of each company through the wireless banking program If the corporate personalized service menu corresponding to the business report service is selected (2600), the wireless terminal may input (or select) personalized service registration information corresponding to the selected corporate personalized service menu through the wireless banking program. The screen is output (2605).

According to an exemplary embodiment of the present invention, the corporate personalized service menu selection process is preferably performed by the corporate employee selecting a predetermined corporate personalized service menu or by clicking a key button related to the corporate personalized service.

According to another exemplary embodiment of the present invention, the corporate personalized service menu selection process may be performed automatically by a wireless banking program included in the wireless terminal periodically and / or at a specific date and time by checking schedule information stored in the memory unit. desirable.

Thereafter, the wireless terminal inputs (or selects) at least one or more personalized service registration information through a wireless interface screen corresponding to the wireless banking program (2610).

For example, when the information providing service is a business report service according to a business characteristic of each company, the customized service registration information input (or selected) through the wireless interface screen may include at least one or more business report information. .

If the input (or selection) of the personalized service registration information is confirmed (2615), the wireless terminal extracts predetermined parameter information corresponding to the enterprise personalized service menu from the memory unit (2605).

Thereafter, the wireless terminal uses predetermined customized service request information (eg, business report service request information according to business characteristics of each company) corresponding to the corporate customized service menu, the extracted parameter information, and the wireless interface screen. In operation 2630, predetermined corporate personalized service request information including input (or selected) personalized service registration information is generated, and the generated corporate personalized service request information is transmitted to the wireless banking server 1800 (2630).

Thereafter, the wireless banking server 1800 reads the received corporate personalized service request information and checks whether the corporate personalized service requested from the wireless terminal is an information providing service such as a business reporting service according to the business characteristics of each enterprise ( 2635).

If the corporate personalized service corresponding to the received corporate personalized service request information is not the information providing service (2640), the corporate personalized server 1835 may store the storage medium 1870 on the corporate personalized wireless banking system shown in FIG. In operation 2645, an information confirmation service and / or an information registration service corresponding to the enterprise customized service request information is provided.

On the other hand, if the corporate personalized service corresponding to the received corporate personalized service request information is the information providing service (2640), the corporate personalized server 1835 is a storage medium 1870 on the corporate personalized wireless banking system shown in Figure 18 Storing the personalized service registration information included in the received corporate personalized service request information in the storage medium 1870 (2650), and then the wireless terminal transmits at least one or more other corporate personalized services through the wireless banking program. Or, may provide at least one or more wireless banking services for the corporate staff.

27 is a diagram illustrating an information registration process for providing a customized service through a wireless banking program according to an embodiment of the present invention.

More specifically, FIG. 27 illustrates that an enterprise terminal 1897 on the enterprise customized wireless banking system shown in FIG. 18 is provided to provide the enterprise customized service shown in FIGS. 24 and / or 25a and 25b and / or 26. Through the network means of transmitting the information on the enterprise registration service for providing a customized service through the wireless banking program provided in the wireless terminal shown in Figure 7 to the information registration server 1880 and stored in the storage medium (1870) As a process for carrying out the present invention, those skilled in the art to which the present invention pertains, various implementation methods for the information registration process for providing a personalized service through the wireless banking program by referring to and / or modified in this figure 27 It may be inferred that, but the present invention includes all the implementation method inferred, and limited to the implementation method shown in this figure 27 Not.

Hereinafter, in FIG. 27, the information registration server 1880 on the enterprise customized wireless banking system shown in FIG. 18 is referred to as " server " for convenience, and the enterprise terminal 1897 on the enterprise customized wireless banking system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 27, the terminal on the customized wireless banking system illustrated in FIG. 18 accesses the server through the network means and connects a communication channel for providing a customized service through a wireless banking program (2700).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains may access the wireless banking program by accessing the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means. You will be familiar with the technical features of connecting the communication channel for providing customized services through the company, the detailed description thereof will be omitted for convenience.

When a communication channel for providing a personalized service through a wireless banking program is connected between the terminal and the server as described above, the terminal displays an interface screen for providing a personalized service through the wireless banking program to the server through the communication channel. Request (2705), and in response, the server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the enterprise customized service information in the terminal (2710), and generates the ( Alternatively, the extracted interface screen is transmitted to the terminal through the communication channel (2715).

Thereafter, the terminal processes 2710 the enterprise customized service information to be input (or selected) through the user interface included in the interface screen for the enterprise customized service information input (or selection).

According to an exemplary embodiment of the present invention, when the enterprise personalized service includes at least one or more predetermined salary statement confirmation service, CEO instruction confirmation service, business instruction and confirmation service, and the like, the enterprise customization service information may include the salary history information. Preferably, at least one of CEO instruction information, business instruction information, and the like.

According to another exemplary embodiment of the present invention, when the enterprise customized service is a predetermined corporate bulletin board service and a task reporting service according to the business characteristics of each company, the enterprise customized service information may be transmitted to the corporate bulletin board by the corporate terminal 1897. It is preferable to include at least one bulletin board registration information or business report information to register.

If the enterprise personalized service information is input (or selected) at the terminal (2725), the terminal transmits the enterprise personalized service information to the server through the communication channel (2730), and the server correspondingly The received personalized service information is stored in the storage medium 1870 shown in FIG. 18 (2735).

According to the present invention, the company provides at least one or more wireless banking services to its employees in association with a predetermined financial institution, and at least one or more enterprise-specific wireless application services optimized for the corresponding company in connection with the wireless banking. There is an advantage that can provide.

According to the present invention, the corporate employee may secure at least one wireless banking service and a salary paid to the employee by the company without visiting the financial institution through a corporate personalized wireless banking service that provides a corporate wireless application service. There is an advantage that can be set up and conveniently loaned.

According to the present invention, the financial institution provides at least one wireless banking service and a customized wireless application service in connection with the company, thereby attracting the company and the corporate employee as a trading customer of the financial institution.

Claims (4)

Program providing means for providing a specific wireless banking program for a specific company to the wireless terminal of the specific company employee; And And a service providing means for providing the requested wireless banking service through employee authentication of the specific company when the specific corporate employee wireless terminal requests a predetermined wireless banking service through the specific company-specific customized wireless banking program. Wireless banking service providing system dedicated to corporate employees. According to claim 1, The service providing means, Provide payroll inquiry and transfer processing services for the specific company employees; or Wireless banking service providing system for a corporate employee, characterized in that for providing a loan processing service of the specific corporate employee. The method of claim 1, The specific enterprise-specific customized wireless banking program, characterized in that it comprises at least one or more enterprise-specific service functions requested by the company, The service providing means provides at least one corporate customized service requested by the specific company in connection with a specific company-specific customized wireless banking program installed in the employee wireless terminal of the specific company. system. A recording medium comprising a program for executing a function of the system constituting means of any one of claims 1 to 3.

Images