KR20090000792A - Non-face-to-face blindness verification method and system and recording medium therefor - Google Patents

Abstract

The present invention relates to a non-face-to-face real name verification method and system and a recording medium for the same, the non-face-to-face name verification method according to the present invention, in connection with a predetermined terminal to verify the real name for a new account, a predetermined information receiving means Receiving predetermined customer information and real name verification target account information from the terminal, receiving face image data of the customer from the terminal in a predetermined image data receiving means, and Authenticating the facial image data in association with an e-government server having customer identification image data matching customer information; and if the validity of the image data is authenticated, verifying the real name in a predetermined real name checking means. Treating the real name of the target account as confirmed and predetermined new account processing means; In the process comprising the step of processing the real name confirmed account as a new account.

Description

System and Method for Confirming Real Name in Non-facing and Program Recording Medium}

1 is a diagram illustrating an online account registration system in a pseudonym form according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

7 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

8 is a diagram illustrating an online account registration system in a pseudonym form according to another embodiment of the present invention.

9 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

10 is a diagram illustrating the configuration of online ledger information according to another embodiment of the present invention.

11 is a diagram illustrating the configuration of online account ledger information according to another embodiment of the present invention.

12 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a non-face-to-face blind real name verification system using image data according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of registering and authenticating blindness real name request information in a non-face-to-face manner for verifying blindness real name using image data according to an embodiment of the present invention.

17A and 17B illustrate a process of acquiring and authenticating image data for real name verification in a non-face-to-face manner in order to identify a blind real name using image data according to an embodiment of the present invention.

18 is a diagram illustrating a process of generating a real name confirmation electronic document and storing it in an electronic document storage after confirming a real name using image data according to an embodiment of the present invention.

19 is a diagram illustrating a real name verification process for a real name verification target account according to an embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: information processing server 145: information receiving unit

150: Ga Shin-Kyu opening unit 155: Prepaid card processing unit

160: Ga Shin-kyu Administration Department 165: customer terminal

According to the present invention, when confirming a real name for a new account in connection with a predetermined terminal, the predetermined customer information and the target name information for verification of the real name are encrypted with a financial joint certificate from the terminal and attached to an electronic signature. Receiving, Determining the validity of the decryption and electronic signature for the financial public accredited certificate in a predetermined validity confirming means, If the validity is confirmed, The matched with the customer information in the predetermined real name confirmation means The present invention relates to a non-face-to-face real-name verification method comprising the step of processing the real name for the target name verification target account has been confirmed, and the step of processing the account of the real name is confirmed as a new account in a predetermined new account processing means.

With the rapid development of information and communication technology and the convergence of the advanced information and communication technology and financial services as described above, various online account services will be attempted to open and operate a predetermined form of account online without visiting the window. In order for the same online account service to be provided normally, real name verification must be accompanied within a certain period.

However, the real name verification of the online account opened in the form of the provisional provision is currently available only through the window visit, and the real name verification in the form of the window visit includes a problem of violating the convenience and diversity of the online account.

An object of the present invention for solving the above problems is, in connection with a predetermined terminal, information receiving means for receiving predetermined customer information and real name verification target account information from the terminal, upon confirmation of the real name for a new account, and the terminal; Image data receiving means for receiving the face image data of the customer from the image data authentication means for authenticating the validity of the face image data in association with a server having customer identification image data matching the customer information; When the validity of the image data is authenticated, non-face-to-face real-name verification includes a real-name verification means for processing the real name of the account to be verified, and a new account processing means for processing the account for which the real name is confirmed as a new account. In providing a system.

The non-face-to-face real-name verification method according to the present invention comprises the steps of: receiving predetermined customer information and real-name verification target account information from the terminal at a predetermined information receiving means when confirming a real name for a new account in association with a predetermined terminal; Receiving facial image data of the customer from the terminal in a predetermined image data receiving means; and in connection with an e-government server having customer identification image data matching the customer information in a predetermined image data authentication means. Authenticating the validity of the facial image data; if the validity of the image data is authenticated, processing the real name of the account to be verified by the predetermined real name verification means; and processing a new account. Means for processing the account whose real name has been verified in a means as a new account; And that is characterized.

According to the present invention, the non-face-to-face real-name confirmation method includes receiving the customer ID image data from the terminal in the image data receiving means and the face image area included in the customer ID image data in the image data authentication means. And comparing the face image data of the customer and authenticating the validity of the face image data.

On the other hand, the non-face-to-face real-name verification method according to the present invention, in connection with a predetermined terminal, when the real name for the new account is confirmed, the predetermined information receiving means is encrypted with a financial co-authorized certificate from the terminal in the predetermined information and the electronic signature attached Receiving the customer information and the real name verification target account information of the; and verifying the validity of the decryption and the electronic signature of the financial joint accredited certificate in a predetermined validity checking means; And a step of processing the real name for the real name verification target account matched with the customer information in the verification means as confirmed and processing the account for which the real name is verified in the predetermined new account processing means as a new account. It features.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described non-facing real name verification method.

On the other hand, the non-face-to-face real-name verification system according to the present invention, information receiving means for receiving a predetermined customer information and real name verification target account information from the terminal at the time of confirming the real name for the pseudonym account in connection with a predetermined terminal, and Image data receiving means for receiving the face image data of the customer from a terminal, image data authentication means for authenticating the validity of the face image data in association with a server having customer identification image data matching the customer information; And when the validity of the image data is authenticated, real name verification means for processing the real name of the account to be verified, and new account processing means for processing the account for which the real name is confirmed as a new account. It is done.

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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating an online account registration system in a pseudonym form according to an embodiment of the present invention.

In more detail, FIG. 1 shows an online account application information for opening an online account from a predetermined customer terminal 165 to a predetermined web server 100 through a predetermined network means. By providing the online account application information provided from the customer terminal 165 to the predetermined information processing server 140 provided at a predetermined financial institution at 100, the information processing server 140 is connected to the online account application information. As a system configuration for opening a corresponding online account, specifically, a system configuration for opening an online account of a rechargeable prepaid card concept that can be used without real name verification.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer an implementation method for a system for registering various types of online accounts in addition to the online accounts of the rechargeable prepaid card concept. As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may implement a system for registering an online account in the form of a virtual account having a predetermined real account as a parent account by referring to and / or modifying the drawing 1. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a rechargeable prepaid card includes a predetermined web server 100 (e.g., a portal server) through a predetermined network means. Portal server) to request the online account registration (or opening) without real name verification, and to provide the web server 100 with the predetermined online account application information corresponding to the online account registration (or opening). The customer terminal 165 and the customer terminal 165 are connected through a predetermined network means to receive predetermined online account application information from the customer terminal 165, and receive the predetermined online account application information from the predetermined financial means. Web server 100 provided to the information processing server 140 provided in the institution, and the web server 100 is connected through a predetermined communication means from the web server 100 to the online system An information processing server 140 that receives the application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It has a financial system for managing the processed online account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interface through the common network (eg, CD common network, financial common network), characterized in that the financial system is interfacing between components in the financial system Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) And a DBMS (Database Management System) including at least one database for storing and managing the financial data. The financial account is provided by the financial account in relation to financial real name transactions and confidentiality. To real name financial account corresponding to law and simultaneous decree (Presidential Decree 15744) If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution includes at least one or more teller terminals provided in branches (and / or branch offices) of the financial institution and a predetermined financial network (for example, a branch network). It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the at least one customer terminal 165 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the web server 100, and receives a variety of application services provided by the web server 100.

Here, the wired terminal connected to the wired communication network of the customer terminal 165 is a generic term for all terminal devices connected to a communication control protocol based on a transmission control protocol / Internet protocol (TCP / IP), and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server 100 is a search service including at least one information / content to the customer terminal 165 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 165 is sold to (or requested to open) the at least one customer online by the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 100 is at least one user for the customer to apply for (or purchase) the financial product (eg, the online account) through the network means including the wired and / or wireless communication network And providing an interface to the customer terminal 165, wherein the customer terminal 165 inputs (or selects) the predetermined online account application information through the user interface to the wired communication network and / or the wireless communication network. It is characterized in that for transmitting to the web server 100 via a network means including.

To this end, the client terminal 165 outputs at least one user interface provided from the web server 100, inputs and / or selects at least one online account application information through the user interface, and then selects the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the customer terminal 165 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the web server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to the method of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 165 through the network means.

According to an embodiment of the present invention, when the customer terminal 165 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and And / or at least one piece of information using a communication protocol defined in a communication program included in the customer terminal 165 and connecting a predetermined communication channel with the customer terminal 165 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the client terminal 165 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 is connected to the client terminal 165 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 165 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 165 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 165 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 165 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 165. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 165, the interface unit 105 is based on the CDMA protocol. 165 and a communication channel, and using a WAP / ME protocol defined in the browser program to transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 1, the web server 100 may access the web server 100 when a predetermined client terminal 165 accesses the web server 100 through the interface unit 105 and / or applies for an online account. And a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) which allows the client terminal 165 to input (or select) and transmit predetermined online account application information in connection with 105). Interface provided by the customer terminal 165 to the customer terminal 165, and the predetermined on-line input (or selected) to be transmitted through the user interface from the customer terminal 165 in conjunction with the interface unit 105 An information receiving unit 120 for receiving account application information and an information relay unit 130 for providing the received online account application information to an information processing server 140 provided in a financial institution through a predetermined communication means, Done It is characterized by losing.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 165, a personalized service including at least one or more information / content, and / or mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 165 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 is applied for the online account received from the customer terminal 165 through the information receiving unit 120 for the post-management of the online account application information received through the information receiving unit 120. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 140 based on the online account application information in a predetermined storage medium 135. Characterized in that it further comprises a storage unit 125, wherein the online account issuing information is the online account security information received from the customer terminal 165, the new provision processing agreement information (or new application information), rechargeable At least one prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable to make.

The interface providing unit 110 has a function provided in the customer terminal 165 when a predetermined customer terminal 165 accesses the web server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface 165 through the network means the user interface generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 105. It is done.

Thereafter, the client terminal 165 inputs (or selects) the online account application information based on the user interface, and inputs the input (or selected) online account application information through the network means to the web server 100. To send).

According to an embodiment of the present invention, when the customer terminal 165 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is desirable to provide the user interface 165 extracted from the customer terminal 165.

According to another exemplary embodiment of the present invention, when the customer terminal 165 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 105. It is preferable to provide the user interface extracted from the) to the customer terminal 165.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the client terminal 165 in the web server 100 may include at least one online account product (or financial). Commodity) and an interface for selecting at least one online account commodity (or financial instrument) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 165 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And an interface for outputting online account product detailed information such as expected return information to the customer terminal 165 and confirming that the customer has confirmed the online account product detailed information.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 165, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 165 provides online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account products. Input (or select) online account application information including at least one agreement information corresponding to the terms and conditions, the online account deposit amount information, and at least one customer information of the customer applying for the online account; Send to server 100.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 165, the customer terminal 165 may input (or select) online account security information through the interface. Thereafter, the inputted (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information. It transmits to the web server 100 through.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 165 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisions of the provisions (e.g., the period in which the on-line account is processed as a provisional provision before the verification of the financial real name of the on-line account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable to include an interface to make.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 165, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 165 is provided, the customer terminal 165 receives the provisional processing agreement information (the information via the interface). Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name of the online account corresponding to the online account product is processed before being confirmed, the user interface for receiving (or selecting) the online account application information is In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account processed by the new provision, the online terminal is processed with a predetermined rechargeable prepaid card to process the rechargeable prepaid card processing information in the customer terminal 165. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information to which the customer agrees to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 165, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 165, the customer terminal 165 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 165) an interface for outputting financial transaction application terms and conditions for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are an institutional financial customer, the above interface may be omitted. The interface may be included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 165, the customer terminal 165 inputs (or selects) the financial transaction application information through the interface, and then Transmitting the input (or selected) financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information in the online account application information, the web server through the network means In FIG. 1, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 165. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel Outputs non-face-to-face financial transaction terms and conditions information (e.g., internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 165, the customer terminal 165 may provide the non-face-to-face financial through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

When the customer terminal 165 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 165 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 165 transmits the online account security information to the user terminal 165. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 165 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the customer terminal 165. In the above, when the provisional consent information (or provisional provision application information) is transmitted to the online account application information, the information receiving unit 120 interoperates with the interface unit 105 and the provisional processing agreement information ( Or provisional application information), and provides the received provisional processing consent information (or provisional application information) to the information relay unit 130 and / or information storage unit 125.

In addition, the customer terminal 165 inputs (or selects) predetermined charge prepaid card processing agreement information through the user interface and transmits the information through the network means, or the customer terminal 165 processes the rechargeable prepaid card. When the consent information is included in the online account application information and transmitted, the information receiver 120 receives the rechargeable prepaid card processing consent information in association with the interface unit 105, and the received rechargeable prepaid. The card processing agreement information is provided to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 165 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 165. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 165 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information in step 165, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or. Or to the information storage unit 125.

The information storage unit 125 may include the online account application information received through the information receiving unit 120 in an online account issuance information and store the information in a predetermined storage medium 135. The server 100 (or the web server operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information obtained by linking the online account security information to the online account application information. And the online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account. .

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuing information linked to the information) in the storage medium 135, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information obtained by linking the rechargeable prepaid card processing consent information to the online account application information. And storing the chargeable prepaid card processing consent information in the storage medium 135 until the financial real name of the online account is confirmed by the web server 100 (or the financial transaction server using the online account). Provide a basis for processing at least one financial transaction using an account with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 135, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored on the web. The server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125, when the predetermined online account corresponding to the online account application information is opened by the information processing server 140, the web server 100 (or the A storage medium further including the online account information opened by the information processing server 140 in order to process at least one financial transaction using the online account in the online account issuing information. It is preferable to replace the online account application information stored in the 135 or included in the online account issuing information with the online account information opened by the information processing server 140, and thus the present invention is not limited thereto. .

Here, the online account information is included in the online account number in the form of a prepaid card number generated by the provisional opening unit 150 and the prepaid card processing unit 155 of the information processing server 140 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server operating institution information and the financial institution information that the online account is opened.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 140 provided in the financial institution (opened).

Here, the communication means for connecting the web server 100 and the information processing server 140, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 140, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 140 (eg, the web server 100 encrypts the online account application information by a predetermined encryption method to the information processing server 140). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 140.

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account security information). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (an online account corresponding to the account product) is opened, whereby the information processing server 140 to the financial system provided in the financial institution The web server 100 opens an online account that can process financial transactions through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 140 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 140 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 is the customer of the online account application is Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in a form capable of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 140 provided in the financial institution, in which the online account corresponding to the online account product is opened, whereby the information processing server 140 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 140 provided in the financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). Accordingly, the information processing server 140 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the web server 100 processes the financial transaction using the online account.

According to another exemplary embodiment of the present invention, when the information processing server 140 is equipped with a web server 100 function and / or the information processing server 140 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 165 and the information processing server 140 so that the online account application information (and / or a provisional rule) is received from the customer terminal 165 in the information processing server 140. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) It is possible to relay directly to provide a predetermined user interface for receiving the financial transaction application information)), whereby the information processing server 140 from the customer terminal 165 through a predetermined network means. The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Alternatively, it is possible to directly receive non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 140 is the online account application information (and / or false information processing agreement information (or false information request information)) provided from the web server 100 via the communication means, and And / or an information receiving unit for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 145, and a new provision opening unit 150 for opening a new online account corresponding to the online account application information received through the information receiving unit 145 in association with a predetermined financial system; Prepaid card processing unit 155 for processing a prepaid online account with a rechargeable prepaid card, and a trail for managing the online account of the state of the prepaid prepaid card until the real name confirmation for the customer applying for the online account Provided with a management unit 160 is characterized in that formed.

The information receiving unit 145 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 100 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 150.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or finance provided from the web server 100 according to one embodiment of the invention) When transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 145 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The new provision establishment unit 150 is the online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online from the web server 100 via the information receiving unit 145 If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance Read the transaction agreement information (or non-face-to-face financial transaction application information) to read the online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or Online accounts corresponding to line account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the new provision opening unit 150 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information in / B); And / or a predetermined customer ledger corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online To the account ledger includes a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 150 is the online account application information (and / or provisional processing agreement information (or new provision application information) received through the web server 100, and / or online account security information) And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure of opening the online account (eg, registering a predetermined online account ledger) in association with the information system, and providing the result to the prepaid card processing unit 155.

Those skilled in the art to which the present invention pertains, the detailed procedure for opening the online account (for example, to register a predetermined online account ledger) is linked to the financial system, the new establishment section 150 Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 155 may process the online account (or online account ledger) opened by the provisional opening unit 150 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name transaction. And withdrawal of a predetermined deposit amount (or recharge amount) without violating the Law on Confidential Security and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 155 as a rechargeable prepaid card has a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to one embodiment of the present invention, the prepaid card processing unit 155 replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information, thereby establishing the online established by the provisional opening unit 150. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 155 replaces the account number included in the online account ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and replaces the account interest rate with the prepaid card. By replacing the account password with a Personal Identification Number (PIN) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby opening the online established by the provisional opening unit 150. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 155 associates predetermined rechargeable prepaid card information with the online account ledger in a relational manner, thereby establishing the online established by the provisional opening unit 150. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 155 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN and the like, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 150 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 155 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening unit 150 as a rechargeable prepaid card.

For example, the prepaid card processing unit 155 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN, etc. in a predetermined database linked to the ledger D / B in which the online ledger is registered, the online account (or online) opened by the provisional opening unit 150. It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 160 is characterized in that by operating the online account opened as the new provision to the rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to the method of the present invention, the provisional management unit 160 is to charge the deposit amount in the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the online account, the new provision management unit 160 processes the withdrawal amount as using the amount charged to the rechargeable prepaid card. It is characterized by.

In addition, when the interest for the amount deposited in the online account (or charged in the rechargeable prepaid card) is calculated through the financial system, the new provision manager 160 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the new provision management unit 160 violates the law and the concurrent law (Presidential Decree No. 15744) on financial real name transactions and confidentiality until the real name is verified. prevent.

2 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

More specifically, FIG. 2 stores an online account ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. The structure of the online account ledger information for processing with a new account of the company, specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with the chargeable prepaid card information, the online ledger It is about an implementation method of processing an online account corresponding to a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to open the online account in the ledger D / B and to operate the card in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

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

According to another embodiment of the present invention, the provisional opening unit 150 and / or provisional management unit 160 of the information processing server 140 shown in Figure 1 is the external system and / or provided in the financial system Incorporating information from the wireless account into the online ledger for processing at least one or more financial transactions in a non-face-to-face manner in financial transactions without an accredited certificate, and / or in the online ledger and / or the online ledger It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

According to an embodiment of the present invention, in order to process the online ledger as a new account, the new provision opening unit 150 and / or the new provision management unit 160 of the information processing server 140 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the deposit before real name verification for the online account It is characterized in that for generating the predetermined false information including the information, and processing the stored false information is linked to the additional information corresponding to the online ledger, characterized in that for storing.

In this case, the provisional processing information is generated based on the online account application information and / or the provisional processing agreement information (or the provisional application information) received from the customer terminal 165 on the online account registration system shown in FIG. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the online account registration system shown in FIG. 1, the provisional processing information provided in the online ledger is also omitted. Preferably, the present invention is not limited thereto.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further automatically extended by the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card amount).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 2, the prepaid card processing unit 155 of the information processing server 140 illustrated in FIG. 1 may charge the online account ledger by prepaid in advance in connection with an external system and / or an information system provided in the financial system. In order to process the card, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account until the customer confirms the real name of the online account, and the prepaid card number system of a financial institution equipped with the financial system is provided. It is preferable to include, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 3 stores an online account ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. The structure of online account ledger information for processing with a new account of the present invention, specifically, by linking and storing predetermined rechargeable prepaid card information in the online account ledger registered in the ledger D / B, the online account The present invention relates to a method of processing an online account corresponding to the ledger with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to establish a preliminary process for opening the online account in the ledger D / B and operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

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

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening unit 150 and / or provisional management unit 160 of the information processing server 140 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card amount).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 3, the prepaid card processing unit 155 of the information processing server 140 illustrated in FIG. 1 may charge the online account ledger by prepaid in advance in connection with an external system and / or an information system provided in the financial system. In order to process the card, the account number, product type, interest rate, password, etc. included in the online ledger is deactivated, and the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information including a card PIN and customer wireless terminal information is characterized in that is stored in association with the additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. This is preferably done, and it is preferable that the name is reduced to the account number of the new financial account processed after the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, Fig. 4 includes a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in Fig. 1, and a predetermined online ledger according to the conventional ledger information structure. A predetermined prepaid credit card for a predetermined online account ledger according to the conventional account ledger information by having a predetermined database 405 associated with the 400, the provision of new processing information associated with the online ledger and the chargeable prepaid card information. And an information structure to be processed by an online account ledger in the form of a new account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention with reference to FIG. Various information configuration methods for storing the new provision processing information and the rechargeable prepaid card information associated with the online ledger in a predetermined database 405 associated with 400 Would be able to infer, the present invention includes all embodiments in which the inference method, and they not limited to the exemplary method shown in the figure 4.

In particular, FIG. 4 illustrates a case in which it is not easy to store the provisional processing information and / or the rechargeable prepaid card information in the ledger D / B 400 on the DBMS provided on the financial system (for example, the policy of the financial institution). When it is not easy to change the ledger D / B 400 of a phase DBMS, or the system expansion is not easy due to the characteristics of the financial system), the pseudonym processing is performed in a predetermined database 405 instead of the ledger D / B. A method of storing information and / or rechargeable prepaid card information and interworking the database 405 with the ledger D / B is shown.

Referring to Figure 4, the database 405 is characterized in that for storing the new processing information and / or rechargeable prepaid card information, the new processing information and / or rechargeable prepaid card information is the ledger D / B And the CIF number matched with the customer ledger of the ledger information and the account number matched with the online account ledger in the provisional processing information and / or rechargeable prepaid card information to be processed in connection with 400. desirable.

In FIG. 4, the new provision processing information stored in the database 405 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit. It is done.

In this case, the provisional processing information is generated based on the online account application information and / or the provisional processing agreement information (or the provisional application information) received from the customer terminal 165 on the online account registration system shown in FIG. It is preferable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the online account expiration date If a problem arises that it is difficult to verify the real name of the customer applying for an online account for the online account within the same time, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for the online account for the online account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

In FIG. 4, the rechargeable prepaid card information stored in the database 405 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal information. Characterized in that made.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 5, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 165, the online account request user interface is provided by the customer terminal 165. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process for providing to the information processing server 140 provided in the financial institution, if those of ordinary skill in the art to which the present invention belongs, the customer terminal (165) by referring to and / or modified in Figure 5 However, various implementation methods for providing the online account application information to the information processing server 140 through the web server 100 may be inferred. Includes all of the exemplary method of estimation, is not limited by the exemplary method shown in the figure 5.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 165 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 165, the new terminal processing consent information (or the new application information) in addition to the online account application information in the customer terminal 165, and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention is the customer terminal 165, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transactions It includes exemplary method for providing a blue information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face financial transaction agreement information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, those skilled in the art to which the present invention belongs, the web server 100 in response to a security function provided in the communication means for connecting the web server 100 and the information processing server 140 The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, and And / or encrypt and transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 140 sends the online account application information (and / or the provisional processing agreement information (or a new provision). Application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal 165 shown in FIG. 1 connects to the web server 100 via a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server 100 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal (165). While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 165 as described above, the online account application user interface is transferred from the customer terminal 165 to the online account product. Periodically check whether a predetermined online account application user interface for subscription is requested (510), if the financial product application interface is requested from the customer terminal (165) (515), the web server 100 is the customer Generate a predetermined online account application user interface to be provided to the terminal 165 (or extract it from a predetermined web source D / B (not shown)) (520), and display the online account application user interface through the network means; Provided to the terminal (525)

Thereafter, the customer terminal 165 inputs (or selects) predetermined online account application information through the online account application user interface (530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 165 transmits the online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 165, the customer terminal 165 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed as a provisional provision before the financial real name verification for the online account) is output to the customer terminal 165, and the customer provides It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 165, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 165 is provided, the customer terminal 165 receives the provisional processing agreement information (the information via the interface). Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name of the online account corresponding to the online account product is verified and operated until it is confirmed, the online account application user interface is applied to the online account processed by the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, bank transfer, etc.), the online account is processed with a predetermined rechargeable prepaid card to output the rechargeable prepaid card processing information to the customer terminal 165, and the customer is rechargeable. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 165, and the interface for confirming the agreement is omitted. It may be.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 165, the customer terminal 165 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has no history of financial transactions with the financial institution), the online account application user interface is the first terminal 165 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 165, the customer terminal 165 inputs (or selects) the financial transaction application information through the interface, and then Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 165 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 165, the customer terminal 165 may provide the non-face-to-face financial through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operating institution) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (545), and the information processing server 140 transmits the web through the communication means. Receive the online account application information provided from the server 100 (550).

6 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 165, the user account 165 provides the user account interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decrypt the online account application information by the web server 100 The process of providing the online account application information to the information processing server 140 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the client terminal 165 to the information processing server 140 through the web server 100. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 165 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 165, the new terminal processing consent information (or the new application information) in addition to the online account application information in the customer terminal 165, and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention is the customer terminal 165, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transactions An implementation method of providing application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or a new application) from the information processing server 140. Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information)) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 6, the customer terminal 165 shown in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605), wherein the web server 100 is provided to the web-based service provided to the customer terminal (165) of the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 165 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 165. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the customer terminal (165) (615), the web server 100 is a predetermined security function Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the online account application user interface to the terminal through the network means; (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) by the customer terminal 165 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the client terminal 165 inputs (or selects) predetermined online account application information through the online account application user interface (630), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 165 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 165, the customer terminal 165 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed as a provisional provision before the financial real name verification for the online account) is output to the customer terminal 165, and the customer provides It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 165, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 165 is provided, the customer terminal 165 receives the provisional processing agreement information (the information via the interface). Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name of the online account corresponding to the online account product is confirmed and operated under a pseudonym, the online account application user interface is applied to the online account processed by the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output rechargeable prepaid card processing information to the customer terminal 165, and the customer And an interface for inputting (or selecting) the rechargeable prepaid card processing consent information agreeing with the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 165, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 165, the customer terminal 165 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has no history of financial transactions with the financial institution), the online account application user interface is the first terminal 165 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 165, the customer terminal 165 inputs (or selects) the financial transaction application information through the interface, and then Transmitting the input (or selected) financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information in the online account application information, the web server through the network means Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 165 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction Information on Internet banking subscription terms, wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.), and the customer agrees to the non-face-to-face financial terms and conditions. It is preferred to include an interface for inputting (or selecting) consent information and / or non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 165, the customer terminal 165 may provide the non-face-to-face financial through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operating institution) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (645), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 7, the information processing server 140 shown in FIG. 1 opens a predetermined online account based on the online account application information provided from the web server 100 and charges the online account with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 140 shown in FIG. Various implementation methods for processing an online account with a rechargeable prepaid card may be inferred based on the information, but the present invention includes all the inference methods described above, whereby the present invention is not limited thereto.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 140. However, the present invention includes those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face finance Although it is possible to infer an implementation method in which transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 140, the present invention may provide the information processing server 140 with the provisional processing agreement information. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face payments. Transaction information, and accept (or a non-face-to-face financial transaction request information) contains the exemplary method is further provided, to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or 6, predetermined online account application information (and / or false transaction processing information) from the web server 100 shown in FIG. 1 to the server is shown. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application). Information)), the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / Or read the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to confirm that the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 165 through a predetermined network means, thereby completing the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with rechargeable prepaid card information as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, The ledger corresponding to the online account opened by the new opening unit 150 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a charged prepaid card charge. Is preferably treated with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational process of predetermined prepaid rechargeable prepaid card information in the online account ledger as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. It is preferable to process the ledger corresponding to the online account opened by the hooked-up opening unit 150 as a rechargeable prepaid card by storing the prepaid rechargeable card information.

According to another exemplary embodiment of the present invention, the server provides predetermined rechargeable prepaid card information to a predetermined database 405 linked to the ledger D / B 400 where the online ledger is registered as shown in FIG. By storing, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 150 as a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. Storing the prepaid rechargeable card information in a predetermined database 405 linked to the ledger D / B 400 in which the online account ledger is registered to correspond to the online account opened by the provisional opening unit 150. It is desirable to treat the ledger with a rechargeable prepaid card.

8 is a diagram illustrating an online account registration system in a pseudonym form according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that the web server is provided by providing online account application information to open an online account from a predetermined customer terminal 865 to a predetermined web server 800 through a predetermined network means. By providing the online account application information provided from the customer terminal 865 to a predetermined information processing server 840 provided at a predetermined financial institution at 800, the information processing server 840 transmits the information to the online account application information. A system configuration for opening a corresponding online account, and specifically, a system configuration for opening an online account in the form of a virtual account having a real account in which the online account is operated by a predetermined web server operating institution (or financial institution). Figure is a diagram.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to form an online account in the form of a virtual account having a real account operated by the web server operating institution (or financial institution) as a parent account. In addition, the implementation method for the system for registering various types of online accounts may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to an embodiment of a system for registering an online account in the form of a new account in which the prepaid card concept is introduced by referring to and / or modifying the drawing 8. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 8 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as a parent account is provided. By accessing a predetermined web server 800 (e.g., a portal server, etc.) through a network means, real-name verification (e.g., by the Act on the Real-name Financial Transactions and Confidentiality Act and Concurrent Enforcement Decree (Presidential Decree 15744)). A client terminal 865 for requesting the registration (or opening) of the online account without providing a financial real name, and providing the web server 800 with predetermined online account application information corresponding to the registration (or opening) of the online account; It is connected to the customer terminal 865 through a predetermined network means to receive predetermined online account application information from the customer terminal 865, the received online account application information Web server 800 for providing the information to the information processing server 840 provided in a predetermined financial institution, the web server 800 is connected through a predetermined communication means to apply for the online account from the web server 800 An information processing server 840 which receives the information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It has a financial system for managing the processed online account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, wherein the financial account is operated by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (e.g., a wireless data communication network based on a DataTAC / Mobitex method). Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 865 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The server 800 is connected to and provided with various application services provided by the web server 800.

Here, the wired terminal connected to the wired communication network of the customer terminal 865 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network. (Desktop) A computer and / or notebook, or a consumer terminal connected to the TCP / IP based network (eg, Set-Top-Box, etc.), or a kiosk connected to a TCP / IP based network. It is preferable to include at least one or more.

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

The web server 800 is a search service including at least one information / content to a customer terminal 865 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 800 to the customer terminal 865 is sold to the at least one or more customers online (or a request for new establishment) by the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 800 may include at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired communication network and / or the wireless communication network. To the customer terminal 865, wherein the customer terminal 865 inputs (or selects) the predetermined online account application information through the user interface to establish the wired network and / or wireless communication network. It characterized in that the transmission to the web server 800 through a network means including.

To this end, the client terminal 865 outputs at least one user interface provided from the web server 800, and inputs and / or selects at least one online account application information through the user interface to the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the web server 800, etc.) for transmission to the 800 be provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 800 as described above, and input at least one online account application information through the user interface. Since the features of the customer terminal 865 corresponding to at least one or more wired terminals and / or wireless terminals that are selected and transmitted to the web server 800 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 800 is characterized by comprising an interface unit 805 for connecting and managing a predetermined communication channel with the customer terminal 865 through the network means.

According to an embodiment of the present invention, when the customer terminal 865 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 805 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 865 and connecting a predetermined communication channel with the customer terminal 865 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 865, the interface unit 805 may be connected to the client terminal 865 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 865 is provided with a communication program provided by the web server 800, the interface unit 805 establishes a communication channel with the customer terminal 865 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 865 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 865 and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 865. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 865, the interface unit 805 may be configured based on the CDMA protocol. 865 and a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 8, the web server 800 may be configured such that a predetermined client terminal 865 accesses the web server 800 through the interface unit 805 and / or applies for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 865 to input (or select) and transmit predetermined online account application information. An interface providing unit provided to the customer terminal 865 and predetermined online account application information input (or selected) transmitted by the customer terminal 865 through the user interface in association with the interface unit 805. It comprises a receiving information receiving unit 820 and an information relay unit 830 for providing the received online account application information to the information processing server 840 provided in a financial institution through a predetermined communication means And that is characterized.

In addition, the web server 800 is interlocked with the interface unit 805 to at least one or more customer terminals 865, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 815 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 800 provides the web-based service to at least one or more customer terminals 865 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 800 is applied for the online account received from the customer terminal 865 through the information receiving unit 820 for the post-management of the online account application information received through the information receiving unit 820. Storing the online account issuance information including information or at least one or more online account information generated by the information processing server 840 based on the online account application information in a predetermined storage medium 835. And an information storage unit 825, wherein the online account issuance information includes online account security information received from the customer terminal 865, false information processing consent information (or new application information); Virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable.

The interface providing unit corresponds to a functional configuration provided in the customer terminal 865 when a predetermined customer terminal 865 accesses the web server 800 through the interface unit 805 and / or applies for an online account. Generate a predetermined user interface capable of inputting (or selecting) the online account application information and transmitting it to the web server 800 via the network means, and / or extract from a predetermined database (not shown), In conjunction with the interface unit 805, the user interface generated (or extracted from a predetermined web source D / B (not shown)) is provided to the customer terminal 865 through the network means.

Thereafter, the client terminal 865 inputs (or selects) the online account application information on the basis of the user interface, and transmits the input (or selected) online account application information to the web server 800 through the network means. To send).

According to an embodiment of the present invention, when the customer terminal 865 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit may provide a browser program and / or a communication program provided in the wired terminal. Generated (or extracted from a predetermined web source D / B (not shown)), and generated through the interface unit 805 (or extracted from a predetermined web source D / B (not shown)). It is desirable to provide a user interface to the customer terminal 865.

According to another exemplary embodiment of the present invention, when the customer terminal 865 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit may be provided by a browser program and / or a communication program provided in the wireless terminal. Generates a predetermined user interface (or extracts from a predetermined web source D / B (not shown)), and generates through the interface unit 805 (or extracts from a predetermined web source D / B (not shown)). It is desirable to provide a customized user interface to the customer terminal 865.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the client terminal 865 in the web server 800 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to a free account, the user account for inputting (or selecting) the online account application information may correspond to the online account product. And an interface for outputting online account product detail information such as the online account product name and interest rate information to the customer terminal 865 and confirming that the customer has confirmed the online account product detail information. Alternatively, when the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may correspond to the online account product. Online Account Product Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 865, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for receiving (or selecting) the online account application information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 865, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, the original account information for depositing a predetermined amount into an online account) deposited into the account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. And / or an interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 800. desirable.

Thereafter, the customer terminal 865 includes online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account products. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Send to 800.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least through the online account. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing one or more non-face-to-face financial transactions.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 865, the customer terminal 865 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 800 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 800.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 800.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 865 the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisions of the provisions (e.g., the period in which the on-line account is treated as a provisional provision before the verification of the financial real name of the online account). Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 865, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 865 is provided, the customer terminal 865 provides the provisional processing agreement information (the information via the interface). Or after inputting (or selecting) provisional application information), and transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 800 through the network means, Alternatively, the online account application information may further include the provisional processing agreement information (or provisional application information) to be transmitted to the web server 800 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may be configured to operate an online account corresponding to the online account application information at the web server operating institution (or financial institution). In order to open an account in the form of a virtual account, the mother account includes at least one web server operating institution (or a financial institution), including the mother account information, and the mother account information corresponding to the real account operating in the mother account management institution Preferably, the interface further comprises an interface for inputting (or selecting) virtual account processing information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 865, the customer terminal 865 uses the virtual account processing information through the interface. After inputting (or selecting), transfer the input (or selection) of the virtual account processing information to the web server 800 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 800 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And an interface for outputting financial transaction application terms and conditions information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are a financial transaction customer of a financial institution, the above interface may be omitted. Or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 865, the customer terminal 865 inputs (or selects) the financial transaction application information through the interface, and then, Transfer the inputted (or selected) financial transaction application information to the web server 800 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 865. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 865, the customer terminal 865 may provide the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the network means. Transmitted to the web server 800, or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information to the web server 800 through the network means. do.

When the customer terminal 865 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 820 works in conjunction with the interface unit 805. And receiving the online account application information, and providing the received online account application information to the information relay unit 830 and / or the information storage unit 825.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 865 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 865 receives the online account security information. When the information is included in the online account application information and transmitted, the information receiving unit 820 may receive the online account security information in association with the interface unit 805, and the received online account security information may be included in the information. The relay unit 830 and / or the information storage unit 825 are provided.

In addition, the customer terminal 865 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 865. In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 820 interoperates with the interface unit 805 to provide the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 830 and / or the information storage unit 825.

In addition, the client terminal 865 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 865. When the virtual account processing information is included in the online account request information and transmitted, the information receiving unit 820 is linked with the interface unit 805 to process the virtual account information including the mother account institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 830 and / or the information storage unit 825.

In addition, the client terminal 865 inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or the financial information request information is received from the client terminal 865. When the information is included in the online account application information and transmitted, the information receiver 820 receives the financial transaction application information in association with the interface unit 805, and relays the received financial transaction application information to the information relay. The unit 830 and / or the information storage unit 825 are provided.

In addition, the client terminal 865 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 865, the information receiving unit 820 interworks with the interface unit 805 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 830 and / or. Or to the information storage unit 825.

The information storage unit 825 may store the online account application information received through the information receiving unit 820 in a predetermined storage medium 835 including the online account issuance information, thereby storing the web. The server 800 (or the web server operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 835.

When the online account security information is received through the information receiving unit 820, the information storage unit 825 stores the online account issuing information obtained by linking the online account security information to the online account application information in the storage medium 835. And the online account security information is used by the web server 800 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 820, the information storage unit 825 adds the provisional processing agreement information (or provisional application) to the online account application information. And storing the online account issuance information linked to the information in the storage medium 835, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 800 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 820, the information storage unit 825 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 835, the virtual account processing information is the financial real name of the online account in the web server 800 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on the virtual account that is the parent account of the web server operating institution (or financial institution) until confirmation.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 820, the information storage unit 825 adds the non-face-to-face financial transaction agreement information to the online account application information. Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 835, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored on the web. The server 800 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 825, if the predetermined online account corresponding to the online account application information is opened by the information processing server 840, the web server 800 (or The online account information opened by the information processing server 840 for processing at least one or more financial transactions using the online account in the online transaction issuing information in the financial transaction server using the online account. It is preferable to replace the online account application information stored in the medium 835 or included in the online account issuance information with the online account information opened by the information processing server 840, and thus the present invention is not limited thereto. No.

Here, the online account information is included in the online account number in the form of a virtual account number generated by the provisional opening unit 850 and the virtual account processing unit 855 of the information processing server 840, and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server operating institution information and the financial institution information that the online account is opened.

The information relay unit 830 stores the online account application information received through the information receiving unit 820 through the predetermined communication means (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 840 provided in the financial institution.

Here, the communication means for connecting the web server 800 and the information processing server 840, a dedicated communication network for blocking access to a third party other than the web server 800 and the information processing server 840, and / or Secure communication network that provides a secure communication function between the web server 800 and the information processing server 840 (for example, the web server 800 encrypts the online account application information by a predetermined encryption method to the information processing server 840). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 840.

When the online account security information is received through the information receiving unit 820, the information relay unit 830 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying to the information processing server 840 provided at the financial institution (where the online account corresponding to the product is opened), whereby the information processing server 840 transmits the web to the financial system provided at the financial institution. The server 800 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 820, the information relay unit 830 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying to the information processing server 840 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened) through the means, thereby processing the information. The server 840 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 820, the information relay unit 830 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 840 provided in the financial institution (in which an online account corresponding to the product) is opened, whereby the information processing server 840 allows the online account application customer to Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 820, the information relay unit 830 transmits the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 840 provided at a financial institution corresponding to the product (for example, an online account corresponding to the online account is opened). An online account corresponding to the online account application information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 820, the information relay unit 830 receives the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 840 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 840 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 800 in the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, when the information processing server 840 is equipped with a web server 800 function and / or the information processing server 840 is a predetermined banking server, the information relay unit ( 830 connects the customer terminal 865 and the information processing server 840 to relay and connects the online account application information (and / or a new code) from the customer terminal 865 to the information processing server 840. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 840 receives the online from the client terminal 865 via predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) It is possible to directly receive transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 800 and the information processing server 840 relays at least one web server 800 and the information processing server 840, and / or the A predetermined relay server (not shown) which relays the web server 800 and the at least one information processing server 840 and / or relays the at least one web server 800 and the at least one information processing server 840. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 8, the information processing server 840 is configured to provide online account application information (and / or false information processing consent information (or false information request information)) provided from the web server 800 through the communication means. And / or information receiving unit 845 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And a new provision opening unit 850 for opening a new online account corresponding to the online account application information received through the information receiving unit 845 in association with a predetermined financial system, and the online established with the new provision. A virtual account processing unit 855 for processing an account in the form of a virtual account of a real account operated by the web server operating institution (or a financial institution), and the online account of the virtual account type; Provided with a trail managing the rules (860) for managing until confirmation blindness on the left client application is characterized in that formed.

The information receiving unit 845 may be configured to provide online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online account security information provided from the web server 800 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)) is provided to the provisional section 850.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 800 in accordance with one embodiment of the present invention. When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 845 the encrypted online account application information ( And / or trail transaction consent information (or trail application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information ( Or non-face-to-face financial transaction application information)).

The new provision establishment unit 850 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online from the web server 800 through the information receiving unit 845. If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or In addition Is characterized by opening a new online account corresponding to the financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the provisional opening unit 850 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 850 may receive the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 800, and / or the online account security information. And / or external systems provided to the financial system on the basis of financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Alternatively, a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in cooperation with the information system is performed, and the result is provided to the virtual account processor 855.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 855 is a virtual account that uses the online account (or online account ledger) opened by the provisional opening unit 850 in the web server operating institution (or financial institution) as a parent account. Characterized in that the processing.

According to an embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as the parent account is the conventional virtual account ledger information. Real account ledger information that can be processed as a new account in the form of a real account when checking the financial real name of the online account (eg, ledger information including an account number that conforms to the account number system corresponding to the real account). It is preferably made, including, it is preferable to be processed in the form of a virtual account with a real account operated by the web server operating institution (or financial institution) before the real name verification for the online account.

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as a parent account is the web server operating institution. (Or a financial institution) may include virtual account ledger information (eg, ledger information including account numbers conforming to the virtual account numbering system) whose real account is operated by a financial institution, and in this case, finance for the online account. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (e.g., ledger information including an account number conforming to an account number system corresponding to a real account) when real name is confirmed. It is not limited.

Thereafter, the new provision management unit 860 is a virtual account using a real account operated by the web server operating institution (or a financial institution) until the real name confirmation for the online account application customer opened the online account established as the new provision It is characterized by operating by processing.

According to the implementation method of the present invention, the provisional management unit 860 is processed to deposit the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) to the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 860 processes the withdrawal amount to withdraw the amount deposited in the virtual account (eg And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest is calculated for the amount deposited in the online account through the financial system, the new management unit 860 manages a real account for operating the interest in the web server operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form.

As described above, by processing the online account as a virtual account of the real account operated by the web server operating institution (or financial institution) as a parent account, the new provision management unit 860 is a financial real name transaction and To prevent violations of the Secret Security Act and the Concurrent Act (Presidential Decree No. 15744).

9 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a real account of the web server operating institution (or financial institution) in the ledger information stored in a predetermined ledger D / B 900 provided in a DBMS on the financial system shown in FIG. The online account ledger information is stored in the virtual account ledger according to the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify the present invention. It is possible to infer various information configuration methods for storing online account ledger information according to the virtual account ledger information in the virtual account ledger with the real account of the web server operating institution (or financial institution) in the ledger D / B It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 900 includes at least one ledger (e.g., a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) who processes at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the online account registration system shown in Figure 8, the customer for the online account registration of the virtual account type associated with the mother account which is the real account of the web server operating institution (or financial institution) The ledger stores information on a web server operating institution (or financial institution) customer ledger whose web server operating institution (or financial institution) is a financial transaction customer, and stores the web server through the online account registration system shown in FIG. It is preferable to store online account customer ledger information in which an online account in the form of a virtual account associated with a mother account which is a real account of an operating institution (or a financial institution) is registered.

Here, the web server operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above. When the customer ledger of the customer who opens the online account is provided in the ledger D / B 900 as a financial transaction customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server operating institution (or financial institution) is relationally associated with the customer ledger of the web server operating institution (or financial institution), and the web server operation. At least one financial account of the financial account of the institution (or financial institution) preferably corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG.

Here, among the account ledgers of the web server operating institution (or financial institution), the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is preferred to be connected relationally.

The virtual account ledger corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 8 among at least one financial account corresponding to the web server operating institution (or financial institution). The account ledger is connected in a relational form, wherein the virtual account ledger information includes an information structure including the mother account number and the mother account operating institution information in basic account ledger information such as the account ledger. It is done.

That is, as shown in FIG. 9, the online ledger information provided in the virtual ledger also includes an information structure including the mother account number and the mother account operating institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the virtual account ledger information associated with the account ledger of the web server operating institution (or financial institution), and the virtual account Since it is possible to infer an online account ledger information configuration that follows the ledger information configuration, a detailed description thereof will be omitted for convenience.

10 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, in FIG. 10, the web server operates the predetermined online account ledger stored in the predetermined ledger D / B 1000 provided in the DBMS on the financial system shown in FIG. 8 through predetermined virtual account processing information. Information structure for linking a real account of an institution (or a financial institution) in the form of a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10. Infers a variety of information configuration methods for linking a predetermined online account ledger to the ledger D / B through a virtual account processing information in the form of a virtual account of the web server operating institution (or financial institution) as a parent account As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 1000 has at least one ledger (eg, a loan ledger, a mortgage ledger, etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the online account registration system shown in Figure 8, the customer for the online account registration of the virtual account type associated with the mother account which is the real account of the web server operating institution (or financial institution) The ledger stores information on a web server operating institution (or financial institution) customer ledger whose web server operating institution (or financial institution) is a financial transaction customer, and stores the web server through the online account registration system shown in FIG. It is preferable to store online account customer ledger information in which an online account in the form of a virtual account associated with a mother account which is a real account of an operating institution (or a financial institution) is registered.

Here, the web server operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above. When the customer ledger of the customer who opens the online account is provided in the ledger D / B 1000 as a financial transaction customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date and the number of shares, and / or a prize. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server operating institution (or financial institution) is relationally associated with the customer ledger of the web server operating institution (or financial institution), and the web server operation. At least one of the financial accounts of the institution (or financial institution) preferably corresponds to the parent account for processing the online account registered through the online account registration system shown in FIG. 8 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 8 among the account ledgers of the web server operating institution (or financial institution) is treated as the virtual account. It is desirable to be associated with online account ledgers.

The online ledger includes the same basic ledger information as the ledger, and includes a mother account for processing the online account as a virtual account among the online account number and the financial account of the web server operating institution (or financial institution). The virtual account processing information including at least one of the parent account number corresponding to the at least one of the parent account management information (for example, Web server operating institution (or financial institution) information) by including as additional information, the online account to the Characterized in that the financial account of the web server operating institution (or financial institution) is processed as a virtual account as a parent account, wherein the virtual account processing information is received from a client terminal 865 on the online account registration system shown in FIG. It is preferable to match the received online account application information and the virtual account processing information.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The mother account number of the virtual account processing information is the account number of the financial account (or real account) corresponding to the mother account for processing the online account as a virtual account among the account numbers of the web server operating institution (or financial institution) name. It is preferable to comprise.

It is preferable that the mother account operating institution information of the virtual account processing information includes the web server operating institution (or financial institution) information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, the online ledger associated with the account ledger of the web server operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

11 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

More specifically, FIG. 11 illustrates a predetermined virtual account as shown in FIG. 10 in a predetermined online account ledger stored in a predetermined ledger D / B 1100 provided in a DBMS on the financial system shown in FIG. Through the processing information, the real account of the web server operating institution (or financial institution) is linked in the form of a virtual account as a parent account, and further linkage processing of the new processing information for processing a predetermined hidden account in the online account ledger. As shown in the information structure, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 11 to add a predetermined online account ledger to the ledger D / B. Infers various information composition methods that process real accounts of the web server operating institutions (or financial institutions) in the form of virtual accounts with parent accounts and process them as new accounts. Number would be, this invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 11.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 1100 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the online account registration system shown in Figure 8, the customer for the online account registration of the virtual account type associated with the mother account which is the real account of the web server operating institution (or financial institution) The ledger stores information on a web server operating institution (or financial institution) customer ledger whose web server operating institution (or financial institution) is a financial transaction customer, and stores the web server through the online account registration system shown in FIG. It is preferable to store online account customer ledger information in which an online account in the form of a virtual account associated with a mother account which is a real account of an operating institution (or a financial institution) is registered.

Here, the web server operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above. When the customer ledger of the customer who opens the online account is already provided in the ledger D / B 1100 as a financial transaction customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server operating institution (or financial institution) is relationally associated with the customer ledger of the web server operating institution (or financial institution), and the web server operation. At least one of the financial accounts of the institution (or financial institution) preferably corresponds to the parent account for processing the online account registered through the online account registration system shown in FIG. 8 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 8 among the account ledgers of the web server operating institution (or financial institution) is treated as the virtual account. It is desirable to be associated with online account ledgers.

The online ledger includes the same basic ledger information as the ledger, and includes a mother account for processing the online account as a virtual account among the online account number and the financial account of the web server operating institution (or financial institution). The online account may be included by including, as additional information, predetermined account information including at least one parent account number corresponding to the at least one parent account number and the at least one parent account manager information (for example, web server manager (or financial institution) information). The virtual account of the web server operating institution (or financial institution) is characterized in that the processing as a virtual account, wherein the virtual account processing information is the customer terminal on the online account registration system shown in Figure 8 It is preferable to match the online account application information and the virtual account processing information received from.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The mother account number of the virtual account processing information is the account number of the financial account (or real account) corresponding to the mother account for processing the online account as a virtual account among the account numbers of the web server operating institution (or financial institution) name. It is preferable to comprise.

It is preferable that the mother account operating institution information of the virtual account processing information includes the web server operating institution (or financial institution) information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, the online ledger associated with the account ledger of the web server operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 8 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 850 and / or provisional management unit 860 of the information processing server 840 shown in FIG. 8 are connected to the external system and / or information system provided in the financial system, and the online account is provided. Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is linked and stored as additional information corresponding to the online account ledger, and the new provision processing information is received online from the customer terminal 865 on the online account registration system shown in FIG. It is preferably generated based on the account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online account ledger is provided in the form of a virtual account, as shown in FIG. 8, the provisional processing agreement information (or provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (1100), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer applying for the online account for the online account within the real name verification expiration date.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When this deposit is made, as the amount information deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

12 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to an embodiment of the present invention.

In detail, FIG. 12 illustrates that when the web server 800 shown in FIG. 8 provides a predetermined online account request user interface to the customer terminal 865, the user account 865 provides the user account interface. Input (or select) predetermined online account application information to provide the web server 800 through a predetermined network means, and provide the online account application information through the predetermined communication means in the web server 800. The process of providing to the information processing server 840 provided in the financial institution, if one of ordinary skill in the art to which the present invention belongs, the customer terminal 865 by referring to and / or modified in this figure 12 However, various implementation methods for providing the online account application information to the information processing server 840 through the web server 800 may be inferred. Includes all of the exemplary method of estimation, is not limited by the exemplary method shown in the figure 12.

For example, in FIG. 12, only the online account application information is provided from the customer terminal 865 to the web server 800. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 800 to the customer terminal 865, the customer terminal 865, in addition to the online account application information, the provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 865, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, / Or virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 800 in response to the security function provided in the communication means for connecting the web server 800 and the information processing server 840 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 840 transmits the online account application information (and / or the provisional processing agreement information (or the temporary application information)). And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 12, the customer terminal 865 shown in FIG. 8 connects to the web server 800 through a network means including at least one wired and / or wireless communication network (1200), and the web At least one web-based service provided by the server 800 is used (1205), wherein the web server 800 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 865. While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 800 provides at least one web-based service to the customer terminal 865 as described above, the online account subscription user interface is subscribed online from the customer terminal 865 to the online account product. Periodically checks whether a predetermined online account request user interface is requested (1210), and if the financial product request interface is requested from the customer terminal 865 (1215), the web server 800 is connected to the customer terminal. Generate a predetermined online account application user interface to be provided to 865 (or extract it from a predetermined web source D / B (not shown)) (1220) and view the online account application user interface via the network means; Provided to the terminal (1225).

Thereafter, the customer terminal 865 inputs (or selects) predetermined online account application information through the online account application user interface (1230), and the online account application information is applied (or purchased) by the customer. At least one online account product selection information for selecting at least one online account product, at least one agreement information corresponding to the online account product, the online account deposit amount information, and customer information for the customer applying for the online account; It is preferable to make it.

When the online account application information is input (or selected) as described above, the customer terminal 865 transmits the online account application information to the web server 800 through the network means (1235).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise a, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 865, the customer terminal 865 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 800 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 800.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 800.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period (for example, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) is output to the customer terminal 865, and the customer informs the provisional provision information. And an interface for entering (or selecting) provisional processing consent information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. Do.

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 865, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 865 is provided, the customer terminal 865 provides the provisional processing agreement information (the information via the interface). Or after inputting (or selecting) provisional application information), and transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 800 through the network means, Alternatively, the online account application information may further include the provisional processing agreement information (or provisional application information) to be transmitted to the web server 800 through the network means.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to operate an online account corresponding to the online account application information at the web server operating institution (or financial institution). In order to open a virtual account having a real account as a parent account, the parent account manager information including at least one of the web server operating institutions (or financial institutions) and the mother account information corresponding to the real account operated by the mother account management institution It is preferable to include an interface for inputting (or selecting) virtual account processing information to be included.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 865, the customer terminal 865 uses the virtual account processing information through the interface. After inputting (or selecting), transfer the input (or selection) of the virtual account processing information to the web server 800 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 800 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 865 to the first financial institution and the first financial institution. And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 865, the customer terminal 865 inputs (or selects) the financial transaction application information through the interface, and then, Transmits the input (or selected) financial transaction application information to the web server 800 through the network means, or further includes the financial transaction application information in the online account application information, the web server through the network means. Send to 800.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface is connected to the client terminal 865 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 865, the customer terminal 865 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 800 through the network means. .

Thereafter, the web server 800 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 835 (1240).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 835 may include the web server 800 (or a web server operator) and the information processing server 840 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 800 transmits the online account application information to the information processing server 840 through a predetermined communication means (1245), and the information processing server 840 transmits the web through the communication means. The online account application information provided from the server 800 is received (1250).

FIG. 13 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 13, when the web server 800 illustrated in FIG. 8 provides a predetermined online account request user interface to the customer terminal 865, the user account 865 may request the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 800, and decrypt the online account application information by the web server 800 The process of providing the online account application information to the information processing server 840 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, see FIG. And / or modified to provide the online account application information from the client terminal 865 to the information processing server 840 via the web server 800. Although the implementation method 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, in FIG. 13, only the online account application information is provided from the customer terminal 865 to the web server 800. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 800 to the customer terminal 865, the customer terminal 865, in addition to the online account application information, the provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 865, the new provision processing consent information (or new provision application information), and / or online account security information, and / or financial transaction application information, / Or virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 800 in response to the security function provided in the communication means for connecting the web server 800 and the information processing server 840 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 840 transmits the online account application information (and / or the provisional processing agreement information (or the provisional application information)). And / or decryption of online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 13, the customer terminal 865 shown in FIG. 8 connects to the web server 800 through a network means including at least one or more wired and / or wireless communication networks (1300), and the web. At least one web-based service provided by the server 800 is used (1305), wherein the web server 800 provides the web-based service provided to the customer terminal 865 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 800 provides at least one web-based service to the customer terminal 865 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 865. In order to periodically check whether a predetermined online account request user interface is requested (1310), if the financial product request interface is requested from the customer terminal (865) (1315), the web server 800 has a predetermined security function. Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (1320), and provide the online account application user interface to the terminal through the network means; (1325)

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 865 using a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the client terminal 865 inputs (or selects) predetermined online account application information through the online account application user interface (1330), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 865 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (1335), and transmit the encrypted online account application information to the web server 800 via the network means (1340).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 865, the customer terminal 865 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 800 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 800.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 800.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the new provision processing period (for example, the period in which the online account is processed as a new provision before the financial real name verification for the online account) is output to the customer terminal 865, and the customer is informed of the provision of the new provision terms and conditions information. It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 865, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 865 is provided, the customer terminal 865 provides the provisional processing agreement information (the information via the interface). Or after inputting (or selecting) provisional application information), and transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 800 through the network means, Alternatively, the online account application information may further include the provisional processing agreement information (or provisional application information) to be transmitted to the web server 800 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may be configured to operate an online account corresponding to the online account application information at the web server operating institution (or financial institution). In order to open an account in the form of a virtual account, the mother account includes at least one web server operating institution (or a financial institution), including the mother account information, and the mother account information corresponding to the real account operating in the mother account management institution It is preferable to include an interface for inputting (or selecting) virtual account processing information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 865, the customer terminal 865 uses the virtual account processing information through the interface. After inputting (or selecting), transfer the input (or selection) of the virtual account processing information to the web server 800 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 800 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 865 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 865, the customer terminal 865 inputs (or selects) the financial transaction application information through the interface, and then, Transmits the input (or selected) financial transaction application information to the web server 800 through the network means, or further includes the financial transaction application information in the online account application information, the web server through the network means. Send to 800.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface is connected to the client terminal 865 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 865, the customer terminal 865 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 800 through the network means. .

The web server 800 which has received the encrypted online account application information through the network means decrypts the online account application information with a decryption method corresponding to the encryption method (1345), and the decrypted online account application information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium (835) (1340).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 835 may include the web server 800 (or a web server operator) and the information processing server 840 (or It may be omitted in accordance with the business alliance agreement between the financial institutions), whereby the present invention is not limited.

Thereafter, the web server 800 transmits the online account application information to the information processing server 840 through a predetermined communication means (1345), and the information processing server 840 transmits the web through the communication means. The online account application information provided from the server 800 is received (1350).

14 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 14, the information processing server 840 shown in FIG. 8 opens a predetermined online account based on the online account application information provided from the web server 800, and sets the online account to the web server. This is a process of processing a real account operated by an operating institution (or a financial institution) as a virtual account, and having a general knowledge in the field to which the present invention belongs, will be referred to and / or modified with reference to FIG. Based on the online account application information provided to the information processing server 840 shown in FIG. 8, various methods of processing an online account as a virtual account which is a parent account operated by the web server operating institution (or financial institution) Although the method of inference may be inferred, the present invention includes all of the inferred method of implementation, and the present invention is not limited thereto.

For example, in FIG. 14, only the online account application information is provided from the web server 800 to the information processing server 840. However, the person having ordinary knowledge in the technical field to which the present invention pertains, In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 840. However, the present invention provides the information processing server 840 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

In the following figure, the information processing server 840 shown in FIG. 8 is referred to as " server " for convenience.

Referring to FIG. 14, predetermined online account application information (and / or false transaction processing information) from the web server 800 shown in FIG. 8 to the server through the process shown in FIG. 12 and / or FIG. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Is received, the server may send the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual The account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (1400).

If it is not possible to open the online account based on the online account application information (1405), the server generates the account opening error information and provides it to the web server 800 (1410), the web server 800 ) Transmits the account opening error information to the customer terminal 865 via a predetermined network means (1415), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (1405), the server connects the predetermined online account corresponding to the online account application information on the financial system in association with the financial system. In operation 1420, the online account is processed as a virtual account, which is the parent account, operated by the web server operating institution (or financial institution) in association with the financial system.

According to an exemplary embodiment of the present invention, the server stores the parent account number corresponding to the real account operated by the web server operating institution (or financial institution) in the provisional processing information added to the online account ledger as shown in FIG. In addition, it is preferable to treat the ledger corresponding to the online account opened by the provisional opening unit 850 as a virtual account whose mother account is the real account operated by the web server operating institution (or financial institution). .

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. The virtual account processing information including the mother account information is linked in a relational manner so that the web server operating institution (or financial institution) manages the ledger corresponding to the online account opened by the provisional opening unit 850. It is preferable to treat the account as a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 1100 in which the online account ledger is registered as shown in FIG. It is preferable that the ledger corresponding to the online account opened by the provisional opening unit 850 is processed as a virtual account whose mother account is the real account operated by the web server operating institution (or financial institution).

15 is a diagram illustrating a non-face-to-face blind real name verification system using image data according to an embodiment of the present invention.

More specifically, FIG. 15 includes at least one customer information and account name verification target account information for a customer to verify a real name using the image data through a predetermined non-face-to-face real name identification interface. If the provision of the blind real name verification request information and predetermined image name confirmation information, the non-face-to-face real name for the real name confirmation target account through the provided blind real name verification request information and the image data in the blind real name verification system A system configuration for performing a verification, generating a predetermined real name verification electronic document including the pseudonym real name verification request information and the image data, and storing the predetermined real name verification electronic document in a predetermined electronic document repository, and then performing the real name verification processing on the account to be verified. As to, having ordinary skill in the art to which the present invention pertains However, various implementation methods for the construction of a blind real name identification system using image data may be inferred by referring to and / or modifying the drawing 15, but the present invention includes all the implementation methods inferred from the drawing. It is not limited only to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the blind real name identification system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 15, the real name confirmation electronic document is illustrated and described as being generated on the server side on the false name real name verification system, but the present invention is not limited thereto. The confirmation electronic document may be generated on the terminal side which inputs (or selects) the pseudonym real name verification request information and acquires and transmits predetermined real name image data (for example, the electronic document generation function provided on the server side). The terminal to generate the real name confirmation electronic document), thereby the present invention is not limited.

Hereinafter, at least one of performing the real name verification procedure by receiving the false name verification request information and the real name verification image data from the customer through a predetermined non-face-to-face real name verification interface on the blind real name verification system shown in FIG. 15. Components corresponding to the above means and / or functional configuration are referred to as " real name verification server 1500 " for convenience.

Referring to FIG. 15 according to an embodiment of the present invention, a blind real name verification system using the image data includes at least one of a wired terminal and / or a wireless terminal and / or a financial terminal having a predetermined image acquisition device. And a terminal device 1585 including the above, wherein the terminal device 1585 communicates with a predetermined real name verification server 1500 provided on the false name real name system through a predetermined network means. The channel is connected, and the real name verification server 1500 is a predetermined e-government server 1555 having the customer authentication image data through a predetermined communication means (for example, a dedicated communication network, or an encryption-based secure communication network). ) Or a room corresponding to the real name confirmation through a predetermined communication means (for example, a dedicated communication network or an encryption-based secure communication network). At least one registered through the account registration system shown in FIGS. 1 and / or 8, wherein the communication is connected to an electronic document server 1560 provided in an electronic document repository for storing and managing a confirmation electronic document. It is characterized in that it is associated with a financial system having a real name verification target account.

The terminal device 1585 includes a predetermined key input device, a screen output device, and a predetermined image acquisition device. The terminal device 1585 includes predetermined customer information and a real name checking target account through the key input device and the screen output device. Inputting blind name verification request information including at least one information, acquiring at least one blind name verification image data through the image acquisition apparatus, and then storing the blind name verification request information and image data in the network means; It is characterized in that for transmitting to the real name verification server 1500 through.

In this case, the real name image data is bitmap type face image data that is matched with customer identification image data (for example, face image data included in a resident registration card (or identification card)) provided in a predetermined e-government server 1555. And at least one customer ID image data, and preferably further comprises digital signature data obtained by digitizing the handwritten signature of the customer in a bitmap manner according to the intention of a person skilled in the art. In particular, in order to obtain digital signature data corresponding to the handwritten signature of the customer, the terminal device 1585 may further include a separate digital signature device, and thus the present invention is not limited thereto.

That is, the image acquisition device provided in the terminal device 1585 preferably includes a digital camera having a CCD element, and a predetermined scanner device according to the type and / or mechanical characteristics of the terminal device 1585 may be used. For example, the terminal device 1585 may further include a wired terminal such as a desktop computer, or a predetermined digital signature device (for example, when the terminal device 1585 is a financial terminal), the touch screen may be digital. Preferably used as a signature device).

According to one embodiment of the present invention, the terminal device 1585 preferably comprises at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. A client terminal connects to the real name verification server 1500 and uses the image data through at least one user interface provided by the real name verification server 1500 (or a predetermined user interface provided in the financial terminal). Input (or select) false real name verification request information including at least one of predetermined customer information and real name verification target account information for verification of real name, the image acquisition device, image acquisition program, and real name verification server 1500 At least one user interface (or the finance) provided by After acquiring the image data for confirming the blind real name using the image data through a predetermined user interface provided at the end, the blind real name verification request information and the image data are transmitted through the network means. 1500).

Here, the wired terminal connected to the wired communication network among the terminal devices 1585 is a generic term for all terminal devices 1585 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and is connected to the TCP / IP based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., refrigerators, set-top-boxes, etc.) connected to the TCP / IP-based network, or TCP / IP-based communication networks It is preferable to comprise at least one kiosk or the like.

In addition, all the terminal devices 1585 connected to the wireless communication network among the terminal devices 1585 are connected to a mobile communication network based on code division multiple access (CDMA) (and / or high-speed downlink packet access (HSDPA)). And / or generically for all terminal devices 1585 connected to the IEEE 802.16x-based portable Internet, and / or all terminal devices 1585 connected to the IEEE 802.11x-based wireless LAN, wherein the CDMA-based (and / or Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone (HSSPA-based) mobile networks. System) and / or a personal digital assistant (PDA) and / or a smart phone and / or telematics, or a mobile person connected to the IEEE 802.16x based mobile Internet. The net terminal, or the IEEE 802.11x-based WiFi WLAN terminal connected to the like preferably comprises at least one.

In addition, the real name verification server 1500 connected to the terminal device 1585 may be an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV according to the characteristics of the terminal device 1585 and network means. Any one of the banking server, and / or preferably comprises a separate web server for the information registration.

The network means for connecting the terminal device 1585 and the real name verification server 1500 may be a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE according to the type of wireless communication network to which the client terminal is connected. It is preferable to include any of the 802.16x-based portable Internet and / or IEEE 802.11x-based wireless LAN and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the terminal device 1585 outputs at least one or more user interfaces provided by the real name verification server 1500, and inputs and / or selects at least one or more information through the user interface to provide the real name verification server 1500 A function configuration (e.g., a browser program and a communication function, or a predetermined non-face-to-face name verification program and communication function communicating with the real name verification server 1500, or an image acquisition device driving program and communication function, etc.) It is preferable that it is provided.

Those skilled in the art to which the present invention pertains can easily infer technical features of the terminal device 1585 corresponding to at least one or more wired terminals and / or wireless terminals. Is omitted for convenience.

In the blind real name verification system as described above, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, and at least one wired to connect the client terminal and the real name verification server 1500 The communication network and / or the wireless communication network perform a function of a non-face-to-face real name verification interface for registering the false name real name request information and the real name image data for the customer to confirm the real name using the image data.

According to another exemplary embodiment of the present disclosure, the terminal device 1585 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. Preferably, the terminal further comprises a financial terminal including a CD (Cash Dispenser), wherein the financial terminal connects to the real name verification server 1500 and provides at least one user interface provided by the real name verification server 1500. Or via the predetermined user interface provided in the financial terminal, input the blind real name verification request information including at least one of predetermined customer information for identifying the blind real name using the image data and account information to be verified. Or an image provided by the image acquisition apparatus, a predetermined image acquisition program, and the real name verification server 1500. After acquiring image data for identifying blind name using the image data through at least one user interface (or a predetermined user interface provided in the financial terminal), the pseudo blind name verification request information and the image data are stored. It is preferable to transmit to the real name verification server 1500 through a network means (= financial network).

In the blind real name verification system as described above, when the terminal device 1585 is the financial terminal, the network means (= financial network) connecting the financial terminal and the financial terminal and the real name verification server 1500 is The customer performs a function of a non-facing real name verification interface for registering the blind real name verification request information and the real name verification image data for confirming the blind real name using the image data.

According to another exemplary embodiment of the present invention, the terminal device 1585 is a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN), an intelligent network, and a voice over IP (VoIP) network. (Not shown), and / or further comprising a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or affiliated with the financial institution. Terminal (and / or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the blind real name verification system as described above, when the terminal device 1585 is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the real name verification server 1500 The wired telephone network and / or the wireless telephone network, which is connected to the mobile telephone network, has a function of a non-face-to-face blind name verification interface for registering the blind name verification request information and the image data for real name verification for the customer to confirm the blind name using the image data. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device 1585 (not shown), and The network connecting the terminal (and / or server) (not shown) and the real name verification server 1500 is the real name real name request information and real name for the customer to confirm the real name using the image data It performs the function of a non-face-to-face real name confirmation interface for registering the image data for confirmation.

The real name verification server 1500 provided on the false name real name identification system according to the present invention is a generic name of the components of the false name real name system connected to the terminal device 1585 through a predetermined network means, at least It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device 1585 is a client terminal including a wired terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the real name verification server 1500 may be A predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device), and / or a program provided to the external world on the financial system, whereby the present invention is limited. Not.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the real name verification server 1500 is the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the real name verification server 1500 is the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the real name verification server 1500 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the real name verification server 1500 is characterized by comprising an interface unit 1505 for connecting and managing a predetermined communication channel with the terminal device 1585 through the network means. .

According to an embodiment of the present invention, when the terminal device 1585 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1505 is defined in the wired communication network and / or a wireless communication network. A communication interface for connecting a predetermined communication channel with the client terminal based on a protocol stack, and for transmitting and receiving at least one information (or data) using a communication protocol defined in a non-face-to-face blind name verification program included in the client terminal. It is desirable to provide.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1505 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a non-face-to-face real name verification program (eg, an internet banking program) provided by the real name verification server 1500, the interface unit 1505 is based on the TCP / IP protocol. It connects a communication channel with a terminal, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the non-face-to-face real name verification program.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a financial terminal connected to a predetermined financial network, the interface unit 1505 may be connected to the financial terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the financial terminal.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 may implement a protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the client terminal and providing at least one communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a non-face-to-face blind name verification program included in the client terminal. desirable.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1505 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a non-face-to-face real name verification program (eg, IC chip-based banking program) provided by the real name verification server 1500, the interface unit 1505 is based on the CDMA protocol. It connects a communication channel with a client terminal, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the non-face-to-face real-name verification program.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1505 is connected to the wired telephone network and / or wireless. It is desirable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1505 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV) based on the stack, and use at least one or more communication protocols defined in a non-face-to-face blind identification program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for transmitting and receiving information (or data).

Referring to FIG. 15, when the predetermined terminal device 1585 connects a predetermined communication channel with the real name verification server 1500 through the interface unit 1505, the image data is displayed. The real name verification server 1500 by inputting (or selecting) the pseudo real name verification request information including at least one of predetermined customer information and real name verification target account information in the terminal device 1585 for confirming the real name using the real name. After generating (or extracting) at least one user interface to transmit to the terminal, the interface providing unit for providing the generated (or extracted) user interface to the terminal device (1585) in conjunction with the interface unit 1505 And, when the terminal apparatus 1585 inputs (or selects) the pseudonym real name request information through the user interface and transmits the information, the interface unit. And an information receiving unit 1515 for receiving the pseudo-real name verification request information transmitted from the terminal device 1585 in association with 1505.

In addition, the interface providing unit generates (or generates) a user interface for acquiring at least one or more real name image data for identification using the predetermined image acquisition device included in the terminal device 1585 and transmitting the image data to the real name identification server 1500 (or Extract), and provide the generated (or extracted) user interface to the terminal device 1585 in association with the interface unit 1505, and through the user interface in the terminal device 1585 And when the at least one real name image data is transmitted, an image data receiving unit 1525 receiving the real name image data transmitted from the terminal device 1585 in association with the interface unit 1505. It features.

The interface providing unit connects a predetermined communication channel with the real name verification server 1500 through the interface unit 1505, and then uses the image data to the real name verification server 1500. When the user interface request for real name verification is requested, the terminal unit 1585 inputs (or selects) the real name real name verification request information including at least one of predetermined customer information and real name verification target account information, and the network means. Generate at least one or more user interfaces to be transmitted to the real name verification server 1500 via, and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 1505 The user interface to the terminal device 1585 via the network means.

According to an embodiment of the present invention, when the terminal device 1585 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit may include a browser program and / or non-face-to-face blindness provided in the client terminal. Generate (or extract) a user interface for inputting (or selecting) predetermined pseudo-real name verification request information that can be provided to a confirmation program, and generate the generated (or extracted) user interface through the interface unit 1505 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a financial terminal connected to a predetermined financial network, the interface providing unit may provide a predetermined blind real name that can be provided by a financial transaction related program included in the financial terminal. It is preferable to generate (or extract) a user interface for inputting (or selecting) confirmation request information and to provide the financial terminal with the generated (or extracted) user interface through the interface unit 1505.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit may include a browser program and / or a non-browser provided in the client terminal. Generate (or extract) a user interface for inputting (or selecting) predetermined blind real name verification request information that can be provided to the face-to-face real-name verification program, and the user interface generated (or extracted) through the interface unit 1505. It is preferable to provide to the client terminal.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit may be provided to the call terminal (not shown). Generates (or extracts) a user interface for inputting (or selecting) certain pseudo-real name request information, and generates (or extracts) the user interface (eg, ARS based user interface) through the interface unit 1505. ) Is preferably provided to the call terminal (not shown).

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit may be provided to the wired terminal (or two-way digital TV). Generate (or extract) a user interface for inputting (or selecting) a pseudonym name verification request information, and converts the generated (or extracted) user interface through the interface unit 1505 to the wired terminal (or bidirectional digital). TV).

According to another exemplary embodiment of the present invention, at least one or more inputting (or selecting) predetermined pseudo-real name verification request information to the terminal device 1585 to be transmitted to the real name verification server 1500 through the network means. When a non-face-to-face real name verification program having a user interface is provided, a user interface for inputting (or selecting) predetermined false real name verification request information as described above to be transmitted to the real name verification server 1500 is generated. The interface providing unit (or extracted) provided to the terminal device 1585 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 1585 inputs (or selects) the pseudo-real name verification request information including at least one of the customer information and the real name verification target account information through the user interface, and the input (or selection) The pseudonym real name verification request information is transmitted to the real name verification server 1500 through the network means, and correspondingly, the information receiving unit 1515 is transmitted from the terminal device 1585 in association with the interface unit 1505. Characterized in that for receiving the fake name real name verification request information.

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.), and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information or a CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system associated with the blind new name verification system in response to the customer It is preferable to comprise as mentioned above.

In addition, the real name verification target account information preferably comprises at least one account number registered and processed through the account registration system through the account registration system shown in Figures 1 and / or 8.

According to an exemplary embodiment of the present invention, the terminal device 1585 may include at least one encryption method for verifying blindness real name request information including at least one of the customer information and the account name to be verified using the financial joint official certificate ( For example, a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. It is preferable to transmit a digital signature to the real name verification server 1500 through the network means, for this purpose, the terminal device 1585 is provided with a financial joint public certificate that includes at least one encryption key Or / or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). That includes a card reader to verify the certificate is preferred.

Persons having ordinary knowledge in the technical field to which the present invention pertains include technical features of various encryption schemes for encrypting the financial joint accredited certificate name request information and a predetermined electronic signature in the false name real name request information. Since you will be familiar with the technical features of attaching a signature, a detailed description thereof will be omitted for convenience.

Referring to FIG. 15, when the real name verification server 1500 receives the pseudo real name verification request information transmitted from the terminal device 1585 through the information receiving unit 1515, the received real name verification request is received. It is characterized in that it comprises a validity check unit (1520) for confirming whether the information satisfies the validity for the real name.

According to an embodiment of the present invention, the pseudonym real name request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or, when encrypted with a key exchange-based encryption scheme, the validity verification unit 1520 is configured to at least one decryption scheme (eg, symmetric key-based decryption scheme) corresponding to the encryption scheme. And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received pseudonym name verification request information. Do.

Alternatively, when a predetermined electronic signature is attached to the pseudonym real name request information, the validity verification unit 1520 checks the electronic signature attached to the pseudonym real name request information, thereby confirming the received false name real name. It is desirable to authenticate the validity of the request information.

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

According to an embodiment of the present invention, the validity verification of the pseudonym real name request information is matched with the pseudonym real name request information in the ledger D / B 1100 on the financial system associated with the pseudonym real name verification system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 1520 is a ledger on a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the blind new name verification request information is linked to the blind new name verification system. It is preferably made to include matching with the customer ledger stored in the D / B (1100).

In addition, the validity verification of the pseudonym real name verification request information is that the account of the pseudonym type corresponding to the real name verification target account information included in the pseudonym real name verification request information on the financial system associated with the pseudonym real name verification system It is preferable to include at least one or more check whether the ledger D / B (1100) is provided.

When the validity of the pseudo-real name verification request information is authenticated through the validity confirming unit 1520, the interface providing unit may include at least one real name confirmation image through a predetermined image acquisition device provided in the terminal device 1585. Generate at least one user interface for acquiring data and transmitting it to the real name verification server 1500 through the network means, and / or extract from a predetermined database (not shown), and the interface unit 1505 And providing the generated (or extracted) user interface to the terminal device 1585 via the network means.

According to an exemplary embodiment of the present invention, the user interface may include at least one image data obtained from the image acquisition apparatus in association with a predetermined image acquisition apparatus driving program for driving the image acquisition apparatus included in the terminal device 1585. Or outputting the image data) to the terminal device 1585 as well as providing at least one or more image data (or image data) obtained from the image acquisition device to the real name verification server 1500 through the network means. Or a script (or program) for acquiring at least one image data for real name verification from the image data and providing the image data to the real name verification server 1500.

According to an embodiment of the present invention, when the terminal device 1585 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit may include a browser program and / or non-face-to-face blindness provided in the client terminal. Generating (or extracting) a user interface for acquiring at least one real name confirmation image data that can be provided by a confirmation program, and providing the generated (or extracted) user interface to the client terminal through the interface unit 1505. It is preferable.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a financial terminal connected to a predetermined financial network, the interface providing unit checks at least one real name that can be provided by a financial transaction related program included in the financial terminal. It is preferable to generate (or extract) a user interface for acquiring dragon image data, and provide the generated user interface to the financial terminal through the interface unit 1505.

According to another exemplary embodiment of the present disclosure, when the terminal device 1585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit may include a browser program and / or provided in the client terminal. The client terminal generates (or extracts) a user interface for acquiring at least one image name for real name identification that can be provided by a non-face-to-face real name confirmation program, and generates the generated (or extracted) user interface through the interface unit 1505. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit may be provided to the call terminal (not shown). Create (or extract) a user interface for acquiring at least one real name image data, and call the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 1505. It is preferable to provide to a terminal (not shown).

According to another exemplary embodiment of the present invention, when the terminal device 1585 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit may be provided to the wired terminal (or two-way digital TV). Generate (or extract) a user interface for acquiring at least one real name image data, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1505. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal apparatus 1585 includes at least one user interface for acquiring predetermined image data for real name verification and transmitting the image data to the real name server 1500 through the network means. When a predetermined non-face-to-face real name verification program is provided, a user interface is generated (or extracted) for acquiring the predetermined predetermined real name identification image data as described above and transmitted to the real name verification server 1500 as described above. The interface providing unit provided to the device 1585 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 1585 uses customer identification image data (eg, facial image data provided in a resident registration card (or identification card)) provided in a predetermined e-government server 1555 from a predetermined image acquisition device through the user interface. And at least one bitmap facial image data matched with the at least one bitmap scheme including at least one bitmap scheme including at least one bitmap type facial image data and / or the client identification image data included in the e-government server 1555. Acquire image data, and transmit the acquired real name identification image data to the real name identification server 1500 through the network means, and correspondingly, the image data receiving unit 1525 is associated with the interface unit 1505. To receive the real name confirmation image data transmitted from the terminal apparatus 1585.

According to one embodiment of the present invention, the terminal device 1585 processes the image data obtained from a predetermined image acquisition device through the user interface as the image name for real name confirmation to confirm the real name through the network means. In this case, the image data receiving unit 1525 may preferably obtain valid real name image data from the image data received from the terminal device 1585.

According to another exemplary embodiment of the present invention, the terminal device 1585 acquires valid real name identification image data among image data acquired from a predetermined image acquisition device through the user interface, and confirms the real name through the network means. It can be directly transmitted to the server 1500, for this purpose, the predetermined interface for acquiring valid image name identification image data among the image data obtained from the image acquisition device in the user interface provided by the interface provider to the terminal device (1585). Preferably, a script (or program) is provided, and the image data receiving unit 1525 preferably receives valid real name image data transmitted from the terminal device 1585.

According to an embodiment of the present invention, the bitmap method in which the real name image data is matched with customer identification image data (for example, facial image data included in a resident registration card (or identification card)) provided in the e-government server 1555. In the case of facial image data, the valid real name image data includes at least one piece of pattern recognition information (eg, left and right eyebrow shape, left and right eye shape, distance between eyes, nose) corresponding to a recognition pattern of a predetermined face recognition algorithm. Shape, nose hole distance from nose line, nose distance from nose, etc.) preferably includes image data that can be extracted to a valid value.

That is, while acquiring the face image data through the image acquisition device provided in the terminal device 1585, the customer will change the position and direction of the eyeball through the neck muscles and both shoulder muscles. The valid real name confirmation image data includes image data for which the face image of the customer is located in front of the image data acquired through the image acquisition device (for example, face image data where both ears are exposed). After recognizing and acquiring, the at least one pattern recognition information corresponding to the recognition pattern of the face recognition algorithm may be read from the acquired image data (for example, based on contrast / contrast / color of the image data). It is preferable to include image data of which each pattern recognition information is confirmed).

According to another embodiment of the present invention, when the real name verification image data is the bitmap type customer ID image data including the customer identification image data provided in the e-government server 1555, the valid real name verification The dragon image data may include at least one piece of pattern recognition information corresponding to a recognition pattern of a predetermined pattern recognition algorithm (eg, a hairstyle shape, a color and a shape of an image, a left and right eyebrow shape, a left and right eye shape, a distance between eyes, and a nose shape) , Nose pore distance from nose line, lip distance from nose, etc.) preferably includes image data that can be extracted to a valid value.

That is, while acquiring the customer ID image data through the image acquisition device included in the terminal device 1585, the customer ID card of the two-dimensional plane is a distance and an angle (or Direction) will change from time to time, the valid real name image data for image identification (eg, the customer ID card) of the image data obtained through the image acquisition device, the identification card image is as perpendicular to the image acquisition device as possible as possible Image data having right angles between each side of the image is obtained as valid image data for identification, and then from the acquired image data to the recognition pattern of the pattern recognition algorithm from the area where the face image on the customer identification card is located. Capable of reading corresponding one or more pattern recognition information (e.g., the image Preferably including image data in which respective pattern recognition information is confirmed based on the contrast, contrast, color, etc. of the data.

According to another embodiment of the present invention, it is preferable that the real name image data further comprises a handwritten signature of the customer, and in this case, the valid real name image data includes at least one curve and a straight line. It is preferable to include at least one connection line on the two-dimensional coordinates.

Referring to FIG. 15, when the real name verification server 1500 receives and acquires valid real name identification image data from the terminal device 1585 through the image data receiving unit 1525, the valid image data and predetermined electronics are obtained. And an image data authentication unit 1530 configured to compare and match customer identification image data included in the government server 1555 to authenticate validity for identifying a blind real name using the image data.

According to an embodiment of the present invention, the e-government server 1555 does not disclose the customer identification image data to the outside, but instead recognizes the facial recognition between the real name identification image data and the customer identification image data in the electronic information server. Or pattern recognition), the image data authentication unit 1530, through the predetermined communication means, the customer information included in the pseudo-real name verification request information and the image data for real name confirmation By providing to the e-government server 1555, the e-government server 1555 extracts customer identification image data corresponding to the customer based on the customer information, and extracts the data through predetermined facial recognition (or pattern recognition). A real name using the image data by comparing and matching the registered customer identification image data with the image name for real name confirmation After authenticating the validity for being further characterized in that for receiving the image data resulting from the validation server 1555 the electronic document government.

According to another embodiment of the present invention, when the e-government server 1555 discloses the customer authentication image data to the outside, the image data authentication unit 1530 requests the blindness real name confirmation through a predetermined communication means. By providing the customer information included in the information to the e-government server 1555, the customer authentication image data corresponding to the customer information is received from the e-government server 1555, and predetermined facial recognition (or pattern recognition) is performed. And comparing and matching the received customer identification image data with the real name image data for verifying the validity of the blind real name verification using the image data.

Those of ordinary skill in the art will be familiar with technical features of various types of face recognition algorithms (or pattern recognition algorithms) for comparing the customer identification image data with the real name image data. Since there will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the real name verification server 1500 may authenticate the validity of the pseudonym real name request information through the validity verification unit 1520 and / or through the image data authentication unit 1530. A real name verification unit 1535 for confirming that the real name of the account corresponding to the real name verification target account information included in the blind real name verification request information is confirmed when the validity of the real name verification image data is authenticated; When the real name verification using the image data is confirmed through the real name verification unit 1535, a new account processing unit 1550 for processing the real name verification target account included in the new real name verification request information as a new financial account Characterized in that made.

According to the exemplary embodiment of the present invention, the validity verification unit 1535 is authenticated with the validity verification unit 1520 for validity of the pseudonym name verification request information, and through the image data authentication unit 1530 When the validity of the real name verification image data is authenticated, the real name verification target account information included in the false name real name verification request information (for example, through the account registration system shown in FIGS. 1 and / or 8) The real name of the account corresponding to the processed and registered account) is confirmed to be confirmed.If the real name is confirmed, the predetermined real name is confirmed in the account ledger of the real name verification on the financial system in which the real name verification target account is opened. It is desirable to store the information.

According to another exemplary embodiment of the present invention, when the validity verification unit 1535 authenticates the validity of the pseudonym name verification request information through the validity verification unit 1520 based on a predetermined financial joint accreditation certificate For the account corresponding to the real name verification target account information (for example, an account registered and processed through the account registration system shown in FIGS. 1 and / or 8) included in the pseudonym real name verification request information. It is possible to confirm that the real name is confirmed, and thus the present invention is not limited.

If the real name for the customer is confirmed within a predetermined real name verification period, the real name verification unit 1535 generates the real name verification information for the customer and provides it to the new account processor 1550.

Alternatively, when the real name of the customer is confirmed within the predetermined real name verification period, the real name verification unit 1535 generates unidentified real name information for the customer and provides it to the new account processing unit 1550.

When real name verification information is provided from the real name verification unit 1535 including the real name confirmation of the customer within the real name verification period, the new account processing unit 1550 is connected with the financial system to the drawings 1 and And / or the real name verification target account processed by the account registration system shown in FIG. 8 as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 1535 including the real name confirmed for the customer within the real name confirmation period, the new account processing unit 1550 is A valid new financial account capable of performing all financial transactions on the account to be verified by the account registration system shown in FIGS. 1 and / or 8 in connection with the external and / or information systems provided in the financial system. It is preferable to treat with.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened real name verification target account is not withdrawn by any financial transaction until the real name verification for the real name verification target account, the new account processing unit 1550 is preferably in connection with the external and / or information system provided in the financial system to release the lock on the real name verification target account, whereby the real name verification target account processed by the pseudonym The transaction is processed as a valid new financial account.

According to another exemplary embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provision, so that the amount of money deposited in the opened real name verification target account is linked with the real name verification target account. When transferred to a predetermined virtual account provided, the new account processing unit 1550 is linked to the external and / or information system provided in the financial system and the amount deposited in the withdrawal prevention virtual account in the real name verification target account Preferably withdrawal (or re-transfer) and / or withdraw (or withdraw) the withdrawal virtual account, whereby the blindness-identified account processed with the provisional provisions is a valid new financing capable of all financial transactions. The account is processed.

According to another exemplary embodiment of the present invention, the banking system is provided with a parent account for a new name processing target account for the real name verification target account, and the opened real name checking target account is associated with the parent account for the new name processing withdrawal prevention function. When a predetermined amount is deposited (or deposited) into a real name verification target account processed as a virtual account equipped with the withdrawal preventing function by being processed with the provided virtual account, the new account processing unit 1550 sends to the financial system. Release the withdrawal prevention function of the real name verification target account processed as the virtual account equipped with the withdrawal prevention function in connection with the provided external system and / or the information system, and provide the virtual account function associated with the parent account for the new provision processing It is preferable to process (or erase) the real name verification target account, whereby the real name verification target account processed by the provisional rules is the parent. Is treated as a valid financial transaction is possible new financial account.

According to the method of the present invention, when the new account processing unit 1550 processes the real name verification target account as a valid new financial account capable of all financial transactions, the information receiving unit 1515 sets the date of establishment of the real name verification target account. From the web server, the real name verification account application information (and / or false information processing consent information (or false information application information), and / or real name verification account security information, and / or financial transaction application information, and / or rechargeable prepaid) The date on which the card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received, or the temporary opening unit opens the account to be verified under the real name on the financial system. It is desirable to apply retrospectively to any one of the dates.

Referring to FIG. 15, when the real name verification of the real name using the image data is confirmed through the real name verification unit 1535, the real name verification server 1500 includes the pseudo real name verification request information and the real name verification image data. An electronic document generation unit 1540 for generating a predetermined real name verification electronic document, and an electronic document transmission unit 1545 for transmitting the generated real name verification electronic document to an electronic document repository associated with the blind real name verification system; It is characterized by comprising.

The electronic document generation unit 1540 may generate a real name confirmation electronic document including the pseudo-real name confirmation request information received from the terminal device 1585 through the information receiving unit 1515.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1540 may include customer information and real name verification target account information included in the new real name verification request information received from the terminal device 1585, and the image for verification of real name. Create document content including at least one data, and at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. A word processor file, or a web document file containing MHT), etc., is preferably processed as a real name confirmation electronic document for identifying a blind real name using the image data.

Alternatively, the electronic document generation unit 1540 includes at least one of customer information, real name confirmation target account information, and the real name confirmation image data included in the blind real name verification request information received from the terminal device 1585. After generating document content, and including at least one or more information of the customer information and the real name verification target account information included in the blind name verification request information in the document content in a watermarking (Watermarking) method, the watermarking is included Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed into a real name confirmation electronic document for blindness real name verification using the image data.

Alternatively, the electronic document generation unit 1540 includes at least one of customer information, real name confirmation target account information, and the real name confirmation image data included in the blind real name verification request information received from the terminal device 1585. For generating a document content, an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory) for identifying a blind real name using the image data. It is preferable to process the real name electronic document.

Alternatively, the electronic document generation unit 1540 includes at least one of customer information, real name confirmation target account information, and the real name confirmation image data included in the blind real name verification request information received from the terminal device 1585. Customer information and real name verification targets included in the blind name verification request information generated in the document content, and the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content After including at least one of the account information in a watermarking (Watermarking) method, and processing an image file containing the image content including the watermarking as a real name confirmation electronic document for identifying the blind real name using the image data It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1540 includes customer information included in the blind real name verification request information received from the terminal device 1585, real name verification target account information, and real name verification. A predetermined document file (eg, an image file generated by generating document content including at least one or more image data) and including image content (eg, image content generated by capturing the document content on a memory). , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the real name verification electronic document for the real name verification using the.

Alternatively, the electronic document generation unit 1540 includes at least one of customer information, real name confirmation target account information, and the real name confirmation image data included in the blind real name verification request information received from the terminal device 1585. Customer information and real name verification targets included in the blind name verification request information generated in the document content, and the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content Generating image content including at least one or more information of the account information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file or an EDI file) including the image content including the watermarking method. Electronic Data Interchange) file, or a word processor file containing at least one of HWP / DOC, etc., or MHT. By generating a web document including file), it is preferred to process in real name check an electronic document for trail check rules blindness using the image data.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1540 includes customer information included in the new real name verification request information received from the terminal device 1585, real name verification target account information, and real name verification. Generating document content including at least one image data, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the blindness real name request. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to process it into a real name confirmation electronic document for blindness real name verification using the image data. .

Alternatively, the electronic document generation unit 1540 includes at least one of customer information, real name confirmation target account information, and the real name confirmation image data included in the blind real name verification request information received from the terminal device 1585. Customer information and real name verification targets included in the blind name verification request information generated in the document content, and the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content Create image content including at least one or more information of the account information in a watermarking method, and a document file (for example, PDF (Portable) containing the image content including the watermarking and the pseudonym name verification request information. At least one document format (EDI) file, an electronic data interchange (EDI) file, or an HWP / DOC file. By creating a web page file, and so on) that include the word-processor file, or MHT, it is preferred to process in real name check an electronic document for trail check rules blindness using the image data.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 1540 for generating a real name verification electronic document in an image file format and / or a predetermined document file format, and the real name verification. Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1545 transmits and stores the real name verification electronic document generated by the electronic document generation unit 1540 to a predetermined electronic document repository associated with the blind real name verification system. .

As shown in FIG. 15, the electronic document repository is connected to a real name verification server 1500 on the blind real name verification system and a predetermined electronic document server 1560 and an electronic document D / B (associated with predetermined communication means). 1580, the electronic document transmission unit 1545 transmits the real name confirmation electronic document generated by the electronic document generation unit 1540 through the communication means to the electronic document server 1560. It characterized in that the transmission to.

Herein, when the electronic document server 1560 and the electronic document D / B 1580 are provided outside the blind real name verification system, the electronic document server 1560 and the electronic document D / B 1580 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the blind real name verification system, the electronic document transmitting unit 1545 is generated by the electronic document generating unit 1540. The real name confirmation electronic document may be stored in the electronic document D / B 1580 corresponding to the electronic document storage on the DBMS provided in the blind real name verification system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 1545 may transmit the electronic document related information (for example, the pseudonym name verification request information) to generate predetermined electronic document management information in the electronic document server 1560. Customer information transmitted by input (selection), and / or financial institution information transmitting the real name verification electronic document, and / or electronic document file format information, and / or the false name verification request information, etc.); It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 15, an electronic document that receives a predetermined real name verification electronic document from the real name verification server 1500 provided on the blindness real name verification system and stores and manages it in a predetermined electronic document D / B 1580 The server 1560 may include an electronic document receiving unit 1565 for receiving a predetermined real name verification electronic document from the real name verification server 1500 through a predetermined communication means, and the electronic document D / An information generation unit 1570 for generating predetermined electronic document management information for storage and management in the B 1580; and the electronic document management information and the real name confirmation electronic document in association with each other to execute a predetermined electronic document D / B ( And an electronic document storage unit 1575 to store in 1580.

The electronic document receiving unit 1565 may receive the real name verification electronic document in the form of an image file and / or a document file from the real name verification server 1500 through the communication means.

According to an embodiment of the present invention, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means is a real name real name confirmation received by the real name verification server 1500 from the terminal device (1585) A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document information including at least one or more of the customer information included in the request information, the real name verification target account information, and the real name identification image data. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means may include customer information included in the new real name verification request information received by the real name verification server 1500 from the terminal device 1585. And watermarking at least one of customer information included in the blind real name verification request information and at least one of the real name verification target account information in document content including at least one real name verification target account information and the real name verification image data. The document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking, and the like. Word processor files, or web document files containing MHT).

Alternatively, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means may include customer information included in the new real name verification request information received by the real name verification server 1500 from the terminal 1585. And image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one real name verification target account information and the real name identification image data. It is preferable to comprise a.

Alternatively, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means may include customer information included in the new real name verification request information received by the real name verification server 1500 from the terminal 1585. And the real name to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of real name verification target account information and the real name identification image data. It is preferable that the watermarking method includes at least one or more pieces of information included in the verification request information and the customer information and the real name verification target account information, and then includes an image file including the image contents including the watermarking. .

According to another exemplary embodiment of the present invention, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means is a blind real name received by the real name verification server 1500 from the terminal device 1585. Image content (e.g., generated by capturing the document content in memory by capturing document content including at least one of customer information included in the verification request information, real name verification target account information, and the real name identification image data). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means may include customer information included in the new real name verification request information received by the real name verification server 1500 from the terminal 1585. And the real name to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of real name verification target account information and the real name identification image data. A document file including image information including at least one or more of the customer information included in the verification request information and the real name verification target account information by watermarking, and including the image content including the watermarking. , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

According to another exemplary embodiment of the present invention, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means is a pseudonym received by the real name verification server 1500 from the terminal device 1585. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the real name verification request information, real name verification target account information, and the real name image data. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including one image content) and the pseudonym name verification request information. Word processor files, or web document files containing MHT).

Alternatively, the real name confirmation electronic document received by the electronic document receiving unit 1565 through the communication means may include customer information included in the new real name verification request information received by the real name verification server 1500 from the terminal 1585. And the real name to the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of real name identification target account information and the real name identification image data. Generating image content including at least one of customer information included in the verification request information and account information to be verified by the real name by a watermarking method, the image content including the watermarking and the pseudonym real name verification request Document files containing information (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange) ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 1570 is a predetermined electronic document unique number (or unique information) to be assigned to the real name confirmation electronic document received through the electronic document receiving unit 1565, and the real name through the electronic document receiving unit 1565. And generating electronic document management information including electronic document storage date and time information including a date and time at which the confirmation electronic document was received (or a date and time at which the real name confirmation electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 1570 refers to the real name verification electronic document by referring to the real name verification server 1500 that transmits the real name verification electronic document received through the electronic document receiving unit 1565. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the real name verification server 1500 through the electronic document receiving unit 1565, the information generating unit 1570 may receive the received information. Customer information transmitted by inputting (selecting) the pseudonym real name request information, and / or financial institution information transmitting the real name verification electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the pseudonym name verification request information).

The electronic document storage unit 1575 associates the real name confirmation electronic document received through the electronic document receiving unit 1565 with the electronic document management information generated through the information generating unit 1570 to process a predetermined electronic document D /. It stores in the B (1580).

According to the exemplary embodiment of the present invention, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 is the real name verification server 1500 from the terminal device 1585. A document file (eg, a Portable Document Format (PDF) file) including document information including at least one of customer information included in the received blind real name verification request information, real target account information, and the real name identification image data. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 may be a blind real name verification request received by the real name verification server 1500 from the terminal device 1585. At least one of customer information and real name verification target account information included in the pseudonym name verification request information in document content including at least one of customer information and real name verification target account information included in the information, and image data for real name verification. After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. And a word processor file including at least one or a web document file including MHT).

Alternatively, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 may be a blind real name verification request received by the real name verification server 1500 from the terminal device 1585. Image content capturing document content including at least one or more customer information included in the information, account information for real name verification, and image data for real name verification (eg, an image generated by capturing the document content on a memory). It is preferably made to include an image file containing the content).

Alternatively, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 may be a blind real name verification request received by the real name verification server 1500 from the terminal device 1585. Image content capturing document content including at least one or more customer information included in the information, account name to be verified, and image data for real name verification (eg, image content generated by capturing the document content on a memory). ) At least one of customer information included in the pseudonym real name verification request information and account information to be verified by real name in a watermarking manner, and then an image file including the image content including the watermarking. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the real name verification electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 may include the real name verification server 1500 of the terminal device 1585. Image content (e.g., the document content) which captures document content including at least one of customer information included in the blind real name verification request information received from the user, real name verification target account information, and the real name identification image data. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT).

Alternatively, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 may be a blind real name verification request received by the real name verification server 1500 from the terminal device 1585. Image content capturing document content including at least one or more customer information included in the information, account name to be verified, and image data for real name verification (eg, image content generated by capturing the document content on a memory). ) Generates image content including at least one of customer information included in the pseudonym real name verification request information and account information for real name verification in a watermarking manner, and generates the image content including the watermarking. At least a document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) is included. A document file or Web, and so on) that include the word-processor file, or MHT comprising at least preferably comprises.

According to another exemplary embodiment of the present invention, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 is the real name verification server 1500 of the terminal device ( Image content (eg, the document) which captures document content including at least one of customer information included in the blind real name verification request information received from 1585, real name verification target account information, and the real name identification image data A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the content of the image captured by capturing the content on a memory and the pseudo-real name request information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the real name confirmation electronic document stored in the electronic document D / B 1580 by the electronic document storage unit 1575 may be a blind real name verification request received by the real name verification server 1500 from the terminal device 1585. Image content capturing document content including at least one or more customer information included in the information, account name to be verified, and image data for real name verification (eg, image content generated by capturing the document content on a memory). ) Generates image content including at least one or more information of the customer information included in the blind name verification request information and the target name verification target account information by a watermarking method, and the image content including the watermarking; A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Intercha) file containing the pseudonym name verification request information. nge) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 1580 by the electronic document storage unit 1575 in association with the real name confirmation electronic document is stored in the real name confirmation electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1580 by the electronic document storage unit 1575 in association with the real name confirmation electronic document is the real name confirmation electronic document. Preferably, the information further includes financial institution information that transmits the real name verification electronic document identified with reference to the real name verification server 1500.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the real name verification server 1500, the electronic document storage unit 1575 processes the electronic name by linking with the real name verification electronic document. The electronic document management information stored in the document D / B 1580 may include customer information transmitted by inputting (selecting) the received electronic document related information (for example, the pseudonym name verification request information), and / or the real name verification. Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the pseudonym name verification request information, etc.).

FIG. 16 is a diagram illustrating a process of registering and authenticating blind name verification request information in a non-face-to-face manner in order to verify blind name using image data according to an embodiment of the present invention.

In more detail, FIG. 16 shows a web server in which a terminal device 1585 on the blind real name system shown in FIG. 15 is a client terminal, and the real name server 1500 is accessible to a client terminal through a predetermined network means. In the case of having a function, at least one customer information and a target name verification target account information for a predetermined customer to confirm the blind real name using the image data with a blind real name verification system through a predetermined non-face-to-face real name confirmation interface. This is a process for registering and authenticating a pseudonym name verification request information, which includes those skilled in the art to which the present invention pertains. Register and authenticate the pseudonym real name verification request information to the real name verification server 1500 at 1585. Is would be able to infer a variety of exemplary methods for the course, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 16.

For example, in the method illustrated in FIG. 16, the client terminal receives a user interface for inputting (or selecting) the pseudonym real name request information through a predetermined web page provided by the real name server 1500. Although illustrated as being illustrated, when the client terminal is provided with a predetermined non-face-to-face real name verification program, the user interface may not be provided from the real name verification server 1500, and the present invention is not limited thereto.

Hereinafter, in FIG. 16, the terminal device 1585 including the client terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the real name verification server 1500 shown in FIG. 15 is referred to as "server" for convenience. .

Referring to FIG. 16, the client terminal shown in FIG. 15 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based ( And / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc. to connect a predetermined communication channel, and use the image data. When requesting a web page including a user interface for confirming a new real name (1600), correspondingly, the server inputs a new real name real name request information including at least one of the customer information and the account information to confirm the real name ( Or (1605) to generate (or extract) a web page including a user interface for transmission to the server). In operation 1610, the web page including the generated user interface (or extracted) is transmitted to the terminal.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least one time according to the procedure of registering the pseudo-real name verification request information. It is not limited.

Thereafter, the terminal inputs (or selects) the pseudonym real name verification request information including at least one or more customer information and real name verification target account information through the user interface included in the web page (1615).

Here, the customer information is the personal information of the customer (eg, customer's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (eg, the customer is finance of the financial institution) At least one member ID information or a CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system associated with the blind new name verification system in response to the customer It is preferable to comprise as mentioned above.

In addition, the real name verification target account information preferably comprises at least one account number registered and processed through the account registration system through the account registration system shown in Figures 1 and / or 8.

If the terminal inputs (or selects) the pseudonym real name request information including the customer information and the real name identification target account information through the user interface (1620), the terminal inputs the input (or The selected customer information and the real name verification target account information are transmitted to the server (1625).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption method) and / or pseudonym real name request information including at least one of the customer information and the account name to be verified. Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or by attaching a predetermined digital signature to the pseudonym real name request information. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, And / or when the accredited certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) is preferably provided with a card reader for confirming the authentication certificate provided in.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the pseudonym real name verification request information, and the technology of attaching a predetermined electronic signature to the new real name verification request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the customer information and the real name verification target account information through the communication channel to confirm the validity of the pseudonym real name verification request information (1630).

According to an embodiment of the present invention, the pseudonym real name request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or, when encrypted with a key exchange-based encryption scheme, the server converts the encrypted false name verification request information into at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public) corresponding to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is desirable to authenticate the validity of the received pseudo-real name request information.

Alternatively, when a predetermined electronic signature is attached to the pseudonym real name request information, the server verifies the digital signature attached to the pseudonym real name request information, thereby validating the received pseudonym real name request information. It is desirable to authenticate.

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

According to an embodiment of the present invention, the validity verification of the pseudonym real name request information is matched with the pseudonym real name request information in the ledger D / B 1100 on the financial system associated with the pseudonym real name verification system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 1520 is a ledger on a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the blind new name verification request information is linked to the blind new name verification system. It is preferably made to include matching with the customer ledger stored in the D / B (1100).

In addition, the validity verification of the pseudonym real name verification request information is that the account of the pseudonym type corresponding to the real name verification target account information included in the pseudonym real name verification request information on the financial system associated with the pseudonym real name verification system It is preferable to include at least one or more check whether the ledger D / B (1100).

If the validity of the pseudonym real name request information is not authenticated (1635), the server generates a web page including predetermined real name error information and transmits the generated webpage to the terminal (1640). Do not perform the real name verification procedure corresponding to the requested information.

On the other hand, if the validity of the pseudonym name verification request information is authenticated (1635), the server performs a process of acquiring and authenticating the image name for real name verification shown in FIGS. 17A and / or 17B.

According to another embodiment of the present invention, the process of registering and authenticating the blind real name verification request information shown in FIG. 16 and acquiring and authenticating image data for real name verification shown in FIGS. 17A and / or 17B are simultaneously performed, or The order may be changed, and the present invention is not limited thereby.

17A and 17B illustrate a process of acquiring and authenticating image data for real name verification in a non-face-to-face manner in order to identify a blind real name using image data according to an embodiment of the present invention.

In more detail, in FIG. 17A and FIG. 17B, the terminal device 1585 on the blind real name system shown in FIG. 15 is a client terminal, and the real name server 1500 is connected to a client terminal through a predetermined network means. In the case of having a web server function possible, a predetermined customer can display at least one image name for real name verification for identifying the real name using the image data with a blind real name identification system through a predetermined non-face-to-face real name identification interface. Regarding a process of acquiring and authenticating, in detail, FIG. 17A illustrates customer identification image data (eg, facial image data provided in a resident registration card (or identification card)) in which the real name image data is provided in the e-government server 1555. Shows an implementation method corresponding to the face image data of the bitmap method matched with 17b is a side view showing an exemplary method corresponding to the customer ID card image data of the bitmap scheme for picture data for the real name verified by the customer includes a proof image data included in the e-government server (1555).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 17a and 17b to verify the real name from the terminal device 1585 to the real name verification server 1500 in addition to the client terminal. Various implementation methods for the process of acquiring and authenticating the digital image data, or the real name verification process using other image data (eg, digital signature image data) in addition to the facial image data (or ID image data) may be inferred. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 17A and 17B.

For example, in the method shown in FIGS. 17A and 17B, the client terminal receives a user interface for acquiring the image data for real name verification through a predetermined web page provided by the real name server 1500. As described above, when the client terminal is provided with a predetermined non-face-to-face real name verification program, the user interface may not be provided from the real name verification server 1500, and the present invention is not limited thereto.

In addition, in the embodiment shown in Figs. 17A and 17B, the effective name verification image data of the real name verification image data is illustrated as being acquired by the real name verification server 1500. Among the image data for real name confirmation, the image name for valid name confirmation may be obtained by the terminal device 1585, and the present invention is not limited thereby.

Hereinafter, in FIG. 17A and FIG. 17B, the terminal device 1585 including the client terminal shown in FIG. 15 is referred to as a “terminal” for convenience, and the real name verification server 1500 shown in FIG. 15 is referred to as a “server” for convenience. "

Referring to FIG. 17A, after the communication channel between the terminal and the server is connected through the process illustrated in FIG. 16, the server may identify the customer through a predetermined image acquisition device to identify a blind real name using the image data. Generate (or extract) a web page including a user interface for acquiring and transmitting predetermined real name image data including facial image data to the server (1705a), and generating (or extracting) through the network means In operation 1710a, the web page including the user interface is transmitted to the terminal.

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page from the server to the terminal is performed at least once according to the image data registration procedure for verifying real name, thereby limiting the present invention. Not.

Thereafter, the terminal acquires image name for real name verification through a predetermined image acquisition apparatus provided in the terminal through a user interface included in the web page (1715a), and the image name for real name identification is configured to acquire the image acquisition apparatus. It is preferable to include predetermined image data obtained through.

According to another embodiment of the present invention, the image name for real name confirmation may include image data for valid real name identification among predetermined image data acquired through the image acquisition apparatus, and the present invention is not limited thereto. No.

If the terminal acquires predetermined image name identification image data from the image acquisition device through the user interface (1720a), the terminal transmits the acquired image name identification image data to the server through the communication channel. In response to 1725a, the server obtains valid real name identification face image data from the received real name identification image data (1730a).

According to an embodiment of the present invention, the bitmap method in which the real name image data is matched with customer identification image data (for example, facial image data included in a resident registration card (or identification card)) provided in the e-government server 1555. In the case of facial image data, the valid real name image data may include at least one piece of pattern recognition information corresponding to a recognition pattern of a predetermined face recognition algorithm (eg, left and right eyebrow shape, left and right eye shape, distance between eyes and nose shape). , Nose pore distance from nose line, lip distance from nose, etc.) preferably includes image data that can be extracted to a valid value.

That is, while acquiring the face image data through the image acquisition device provided in the terminal, the customer will change the position and direction of the eyeball through the neck muscles and both shoulder muscles, so that the effective blindness confirmation The image data is obtained by recognizing image data in which the face image of the customer is located in front of the image data acquired through the image acquisition device (for example, face image data in which both ears are exposed) as valid real image data. After that, at least one or more pattern recognition information corresponding to the recognition pattern of the face recognition algorithm may be read from the obtained image data (eg, each pattern recognition based on contrast, contrast, color, etc. of the image data). It is preferable to include the image data of which information is confirmed).

If the valid real name identification face image data is not obtained (1735a), the server includes a user interface for acquiring predetermined name identification image data to the terminal through a predetermined image acquisition device and transmitting the same to the server. The process of generating (or extracting) and providing a web page is repeated.

On the other hand, if the valid real name verification face image data is obtained (1735a), the server confirms the validity of the real name verification for the real name verification face image data in association with the e-government server 1555 through a predetermined communication means ( 1740a).

According to an embodiment of the present invention, the e-government server 1555 does not disclose the customer authentication image data to the outside, but instead recognizes the face image data for verifying the real name and the customer identification image data on the electronic information server. When the validity checking function is provided through the server, the server provides the electronic information server 1555 by providing the customer information included in the blind name verification information and the face image data for real name verification through a predetermined communication means. And extracting customer identification image data corresponding to the customer from the e-government server 1555 based on the customer information, and extracting the extracted customer identification image data and the real name identification face image data through predetermined facial recognition. After comparing and matching and verifying the validity for confirming the blind real name using the image data, From e-government server (1555) is characterized in that for receiving the image data validation result.

According to another exemplary embodiment of the present invention, when the e-government server 1555 discloses the customer identification image data to the outside, the server may include customer information included in the pseudonym real name request information through a predetermined communication means. By providing to the e-government server 1555, receiving predetermined customer identification image data corresponding to the customer information from the e-government server 1555, and through the predetermined face recognition and the received customer authentication image data; And comparing and matching the face image data for real name verification to authenticate validity for blindness real name verification using the image data.

Those skilled in the art will be familiar with the technical features of various types of face recognition algorithms for comparing the customer identification image data and the face image data for real name verification. Detailed description is omitted for convenience.

If the real name verification validity for the real name verification face image data is not authenticated (1745a), the server generates a web page including predetermined real name verification error information and transmits it to the terminal (1750a), and the real name verification Do not perform the blindness verification procedure corresponding to the facial image data.

On the other hand, if the validity of the real name facial image data for authentication is authenticated (1745a), the server performs the process of acquiring and authenticating the real name identification image data shown in Figure 17b, or the real name confirmation electronic document shown in Figure 18 It is desirable to carry out the creation and storage process.

Referring to FIG. 17B, after the communication channel between the terminal and the server is connected through the process illustrated in FIG. 16, the server may connect the client through a predetermined image acquisition device to verify a real name using the image data. Generate (or extract) a web page including a user interface for acquiring and transmitting predetermined real name image data including identification card image data to the server (1705b), and generating (or extracting) through the network means In operation 1710b, the web page including the user interface is transmitted to the terminal.

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page from the server to the terminal is performed at least once according to the image data registration procedure for verifying real name, thereby limiting the present invention. Not.

Thereafter, the terminal acquires image name for real name verification through a predetermined image acquisition apparatus provided in the terminal through a user interface included in the web page (1715b), and the image name for real name identification is used to obtain the image acquisition apparatus. It is preferable to include predetermined image data obtained through.

According to another embodiment of the present invention, the image name for real name confirmation may include image data for valid real name identification among predetermined image data acquired through the image acquisition apparatus, and the present invention is not limited thereto. No.

If the terminal acquires predetermined image name identification image data from the image acquisition device through the user interface (1720b), the terminal transmits the acquired image name identification image data to the server through the communication channel. In response to 1725b, the server obtains valid real name identification image data from the received real name identification image data (1730b).

According to another embodiment of the present invention, when the real name verification image data is the bitmap type customer ID image data including the customer identification image data provided in the e-government server 1555, the valid real name verification The dragon image data may include at least one or more pieces of pattern recognition information corresponding to a recognition pattern of a predetermined pattern recognition algorithm (eg, a hairstyle shape, a color and a shape of an image, a left and right eyebrow shape, a left and right eye shape, a distance between eyes, and a nose shape). , Nose pore distance from nose line, lip distance from nose, etc.) preferably includes image data that can be extracted to a valid value.

That is, while acquiring the customer ID image data through the image acquisition device provided in the terminal, the customer identification card of the two-dimensional plane has a distance and an angle (or direction) with the image acquisition device in three-dimensional space. As the image data for valid real name confirmation is changed, image data for which the identification card image is as perpendicular to the image acquisition apparatus as possible, for example, between each side of the customer ID card. At least one corresponding to a recognition pattern of the pattern recognition algorithm from an area where a face image on the customer ID is located from the acquired image data after acquiring and acquiring the image data at right angles as valid image identification image data; The above pattern recognition information can be read (for example, the image data). It comprises a brightness / contrast / color and each of the pattern image data recognition information is confirmed) based on the preferred.

If the valid real name ID card image data is not obtained (1735b), the server includes a user interface for acquiring predetermined real name image data for transmission to the server through a predetermined image acquisition device to the terminal. The process of generating (or extracting) and providing a web page is repeated.

On the other hand, if the valid real name identification image data is acquired (1735b), the server confirms the validity of the real name verification for the identification name identification image data in association with the e-government server 1555 through a predetermined communication means ( 1740b).

According to an embodiment of the present invention, the e-government server 1555 does not disclose the customer identification image data to the outside, but instead recognizes the pattern between the identification name image data and the customer identification image data in the electronic information server. When the validity verification function is provided, the server provides the electronic government server 1555 by providing the customer information and the real name identification image data included in the false name verification request information through a predetermined communication means to the e-government server 1555. And extracting customer identification image data corresponding to the customer from the e-government server 1555 based on the customer information, and extracting the extracted customer identification image data and the identification name identification image data for real name through a predetermined pattern recognition. Comparing and matching to authenticate validity for confirming the blind real name using the image data And from the electronic government server 1555 wherein the receiving the image data validation result.

According to another embodiment of the present invention, when the e-government server 1555 discloses the customer identification image data to the outside, the server may include customer information included in the trailing name verification request information through a predetermined communication means. By providing the e-government server 1555 to receive predetermined customer identification image data corresponding to the customer information from the e-government server 1555, and through the predetermined pattern recognition and the received customer authentication image data; Comparing and matching the identification name image data for real name verification is characterized in that to validate the validity for identifying the blind real name using the image data.

Those skilled in the art will be familiar with the technical features of various types of pattern recognition algorithms for comparing the customer identification image data and the identification name identification image data. Detailed description is omitted for convenience.

If the real name verification validity for the real name identification ID image data is not authenticated (1745b), the server generates a web page including predetermined real name identification error information and transmits it to the terminal (1750b), and the real name verification Do not perform the blindness verification procedure corresponding to the ID image data.

On the other hand, if the validity of the real name identification ID image data is authenticated (1745b), the server performs the face image data acquisition and authentication process for real name identification shown in Figure 17a, or the real name identification electronic document shown in Figure 18 It is desirable to carry out the creation and storage process.

FIG. 18 is a diagram illustrating a process of generating a real name confirmation electronic document and storing it in an electronic document storage after confirming a blind real name using image data according to an embodiment of the present invention.

More specifically, FIG. 18 confirms the validity of the blind real name verification request information shown in FIG. 16, and / or the validity of at least one real name image data shown in FIGS. 17A and / or 17B. After this is confirmed, the real name verification server 1500 generates a real name verification electronic document including the blind real name verification request information and at least one real name verification image data and shows a process of storing in a predetermined electronic document storage As one of ordinary skill in the art to which the present invention pertains, a real name verification electronic document is generated and stored in an electronic document repository after verifying a real name using the image data by referring to and / or modifying the drawing 18. Various implementations of the process may be inferred, but the present invention includes all implementations inferred above. The technical features are not limited only to the implementation method shown in FIG. 18.

Hereinafter, in FIG. 18, the terminal device 1585 including the client terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the real name verification server 1500 shown in FIG. 15 is referred to as "server" for convenience. do.

Referring to FIG. 18, the validity of the blind real name verification request information shown in FIG. 16 is confirmed, and / or the validity of at least one real name verification image data shown in FIGS. 17A and / or 17B is verified. If confirmed, the server generates (1800) predetermined document content including at least one or more customer information including the pseudonym real name verification request information, real name verification target account information, and at least one real name verification image data, and the A predetermined real name verification electronic document including the document content is generated (1805).

According to one embodiment of the present invention, the server generates document content including at least one of customer information included in the blind name verification request information, real name verification target account information and the real name identification image data, the document Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is preferably processed into a real name confirmation electronic document for blindness real name verification using the image data.

Alternatively, the server generates document content including at least one of customer information included in the pseudonym real name verification request information, real target account information, and the real name verification image data, and the pseudonym real name in the document content. After including at least one or more information of the customer information and the real name verification target account information included in the verification request information by watermarking (Watermarking) method, a document file containing document content including the watermarking (for example, PDF (Portable Document) Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the real name verification electronic document.

Alternatively, the server generates document content including at least one of customer information included in the pseudonym real name verification request information, real name verification target account information, and the real name verification image data, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) into a real name confirmation electronic document for identifying a blind real name using the image data.

Alternatively, the server generates document content including at least one of customer information included in the pseudonym real name verification request information, real name verification target account information, and the real name verification image data, and captures the document content. Watermarking method of at least one of the customer information included in the blind name verification request information and the account information to be verified name to the image content (for example, image content generated by capturing the document content on the memory) After including, it is preferable to process the image file including the image content including the watermarking as a real name confirmation electronic document for identifying the real name using the image data.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, a real name verification target account information, and the real name identification image data included in the blind name verification request information, A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content captured from document content (eg, image content generated by capturing the document content on a memory). ), A word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a real name confirmation electronic document for identifying a blind real name using the image data. It is preferable.

Alternatively, the server generates document content including at least one of customer information included in the pseudonym real name verification request information, real name verification target account information, and the real name verification image data, and captures the document content. The watermarking method includes at least one of customer information included in the new real name verification request information and account information to be verified in real name in image content (eg, image content generated by capturing the document content on a memory). At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file, or a web document file including MHT), To the process data in real name check an electronic document for trail check rules using real names are preferred.

According to another embodiment of the present invention, the server generates document content including at least one or more customer information, the real name verification target account information and the real name identification image data included in the pseudo-real name verification request information, A predetermined document file (e.g., Portable Document Format) including image content (e.g., image content generated by capturing the document content on a memory) and the pseudo-real name verification request information. ), A word processing file including at least one of an EDI (Electronic Data Interchange) file, a HWP / DOC, or a web document file including an MHT). It is preferable to process the real name confirmation for the electronic document.

Alternatively, the server generates document content including at least one of customer information included in the pseudonym real name verification request information, real name verification target account information, and the real name verification image data, and captures the document content. The watermarking method includes at least one of customer information included in the blind name verification request information and account information to be verified in real name in image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or the like) that generates an image content including an image content and includes the watermarking image content and the pseudonym name verification request information; or Word processor file containing at least one or more HWP / DOC, etc., or Web text containing the MHT By creating a file and the like), it is preferred to process in real name check an electronic document for trail check rules blindness using the image data.

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

Thereafter, the server stores the generated real name verification electronic document in a predetermined electronic document storage (1810).

As shown in FIG. 15, the electronic document repository includes a predetermined electronic document server 1560 and an electronic document D / B 1580 associated with a server on the blind real name verification system through predetermined communication means. When provided externally, the server preferably transmits the generated real name confirmation electronic document to the electronic document server 1560 through the communication means to store in the electronic document D / B (1580).

Alternatively, when the electronic document storage is provided on the DBMS provided in the blind real name verification system, the server sends the generated real name verification electronic document to the electronic document storage on the DBMS provided in the blind real name verification system. It is possible to store in the corresponding electronic document D / B 1580, by which the present invention is not limited.

According to the method of the present invention, storing the real name verification electronic document in the electronic document storage, the electronic document D shown in Fig. 15 by linking the generated real name verification electronic document and predetermined electronic document management information Preferably stored in / B 1580.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the real name confirmation electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information transmitting the real name verification electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the pseudonym name verification request information, and / or financial institution information transmitting the real name verification electronic document, And / or the electronic document file format information, and / or the pseudonym name verification request information, etc.).

If the real name verification electronic document is stored in the electronic document repository (1815), the server stores predetermined name verification information in the real name verification target ledger in association with a financial system in which the real name verification target account is opened ( 1820), predetermined real name confirmation history information (e.g., the validity confirmation history for the pseudonym name verification request information, or the validity confirmation history for the image name for real name confirmation, or the real name confirmation electronic document in the electronic document storage) Stored details) are generated (or extracted) and transmitted to the terminal (1825).

19 is a diagram illustrating a real name verification process for a real name verification target account according to an embodiment of the present invention.

More specifically, FIG. 19 shows that after the real name verification target account registered through the account registration system shown in FIGS. 1 and / or 8 is processed as a provisional procedure through the process shown in FIGS. 7 and / or 14 In the technical field to which the present invention belongs, a process for processing a predetermined real name is performed as a predetermined new financial account when a predetermined real name verification process is performed through the blind real name verification system illustrated in FIG. 15. Those skilled in the art may infer various implementation methods for confirming the real name of the account to be verified by referring to and / or modifying the drawing 19, but the present invention includes all the implementation methods inferred from the above. The present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the terminal device 1585 including the client terminal shown in FIG. 15 is referred to as a "terminal" for convenience, and the real name verification server 1500 shown in FIG. 15 is referred to as a "server" for convenience. .

Referring to FIG. 19, the server confirms the validity of the pseudonym real name request information shown in FIG. 16, and / or at least one real name image data shown in FIGS. 17A and / or 17B. The validity of the real name is verified and the real name confirmation of the account to be verified is confirmed, and / or the process shown in FIG. 18 confirms whether the predetermined real name verification electronic document is stored in the predetermined electronic document storage (1900). ).

If the non-face-to-face real-name verification for the real-name verification target account is not confirmed (1905), the server checks whether the real-name verification period for the real-name verification target account has passed (1910) in association with the financial system.

If the real name verification period for the real name verification target account has not elapsed in response to the real name verification target account application information (1915), the server repeats the process of confirming the non-face-to-face real name verification for the real name verification target account.

On the other hand, if the real name verification period for the real name verification target account has elapsed in response to the real name verification target account application information (1915), the server in connection with the financial system in response to the real name verification target account application information in response to the real name verification target account The amount deposited in the bank account is returned to a predetermined original account (for example, a financial account in which a predetermined investment amount (or deposit amount) is deposited into a real name verification target account corresponding to the real name verification target account application information), and the real name verification target In response to the account application information, the real name verification target account is processed as a dormant account (1920).

On the other hand, if the real name for the real name verification target account is confirmed within the real name verification period (1905), the server processes the real name verification target account as a new financial account whose real name is confirmed in association with the financial system (1925).

According to the method of the present invention, if the real name verification target account is a new account in the form of a rechargeable prepaid card, when the real name verification target account is processed into the new financial account, the prepaid card number is reduced to the account number. Preferably, the prepaid card charge amount is reduced to the account balance, the prepaid card interlock rate is reduced to the interest rate of the account, and the prepaid card charge / use details are reduced to the financial transaction details for the account.

Thereafter, the server retroactively processes the account opening date of the financial account, which is processed as the new financial account, in connection with the financial system as the provisional opening date (1930). In step 1935, the account is retrospectively processed (or extracted) from the account to the new financial account.

According to the present invention, by realizing a face-to-face situation online through predetermined image data, there is an advantage of providing an online account service conveniently by realizing real name verification for the online account of the temporary type without visiting a window.

According to the present invention, through the predetermined image data, only a customer who is difficult to confirm his / her real name without visiting the window can realize the real name verification through the window visit, so that the window visit-based real name of the financial institution that has opened the online account of the pseudonym form. There is an advantage of minimizing the verification infrastructure.

Claims (5)

Receiving predetermined customer information and real name verification target account information from the terminal at a predetermined information receiving means when confirming the real name for the hidden account in association with a predetermined terminal; Receiving facial image data of the customer from the terminal in predetermined image data receiving means; Authenticating validity of the face image data in association with an e-government server having customer identification image data matching the customer information in a predetermined image data authentication means; If the validity of the image data is authenticated, processing that the real name of the real name checking target account is confirmed by a predetermined real name checking means; And Non-face-to-face real-name verification method comprising a; processing the account identified by the real name in a new account processing means as a new account. The method of claim 1, Receiving the customer ID image data from the terminal in the image data receiving means; And And comparing the face image area included in the customer ID card image data with the face image data of the customer in the image data authentication means and authenticating the validity of the face image data. Face-to-face blindness verification. Receiving predetermined customer information and real name verification target account information with encryption and electronic signature from the terminal in the predetermined information receiving means by the predetermined information receiving means in connection with a predetermined terminal, the real name verification for the hidden account; ; Confirming the validity of the decryption and electronic signature of the financial joint accredited certificate in a predetermined validity confirming means; If the validity is confirmed, processing the real name of the target name verification target account matched with the customer information in the predetermined real name checking means as confirmed; And Non-face-to-face real-name verification method comprising a; processing the account identified by the real name in a new account processing means as a new account. A recording medium comprising a program for executing the method of claim 1 or 3. Information receiving means for receiving predetermined customer information and real name verification target account information from the terminal when confirming a real name for a hidden account in association with a predetermined terminal; Image data receiving means for receiving facial image data of the customer from the terminal; Image data authentication means for authenticating the validity of the face image data in association with a server having customer identification image data matching the customer information; Real name verification means for processing, if the validity of the image data is authenticated, to process the real name of the account to be verified; And And a new account processing means for processing the account whose real name is confirmed as a new account.

Images