KR20090001896A - Method and system for issuing account book using user contents and recording medium therefor - Google Patents

Abstract

The present invention relates to a method and system for issuing a bankbook using user content and a recording medium therefor, wherein the predetermined customer information, financial account information, and a predetermined account request for issuance of a predetermined bankbook by a predetermined information receiving means when a predetermined bankbook is issued Receive image content information, generate predetermined bankbook information including the customer information and financial account information in a predetermined information generating means, and link the bankbook information and the image content information in a predetermined information storage means. It is stored in the ledger, and edited to print the image content information on the surface of the predetermined passbook by the predetermined image editing means, and prints and issues the image content on the surface of the passbook by the predetermined passbook issuer. .

Description

Method and System for Issuing Accounts Using User Contents and Recording Media {Method and System for Issuing Bank Book by Using User Contents and Program Recording Medium}

1 is a diagram illustrating an account book issuing system using an image produced (or requested) by a customer according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of the ledger information for customer-specific bankbook issuance using the image produced (or requested) by the customer in accordance with an embodiment of the present invention.

3 is a diagram illustrating a bank account issuing process using an image produced (or requested) by a customer according to an exemplary embodiment of the present invention.

4 is a diagram illustrating an account book issuing system using an image produced (or requested) by a customer according to another exemplary embodiment of the present invention.

5 is a view showing the configuration of the ledger information for issuing the customer's own bankbook using the image produced (or requested) by the customer in accordance with the method of the present invention.

6 is a view showing a bank account issuance process produced (or requested) by the customer according to another embodiment of the present invention.

7 is a diagram illustrating a bank account issuing system using an image produced (or requested) by a customer according to another exemplary embodiment of the present invention.

8 is a view showing the configuration of the ledger information for the customer-specific bankbook issuance using the image produced (or requested) by the customer in accordance with the method of the present invention.

9 is a diagram illustrating a bank account issuing process using an image produced (or requested) by a customer according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: bankbook issuance server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: information confirmation unit 135: image editing unit

140: passbook issuer 145: information registration terminal

The present invention comprises the steps of receiving a predetermined customer information, financial account information and predetermined image content information requesting a predetermined bank account issuance from a predetermined information receiving means when issuing a predetermined bank account, and the customer information in a predetermined information generating means. Generating predetermined bankbook information including financial account information; Linking the bankbook information and the image content information in a predetermined information storage means in a predetermined ledger, editing the predetermined image editing means to print the image content information on the surface of the predetermined bankbook; And printing and issuing the image contents on a surface of the bank account by a predetermined bank account issuing means.

Recently, User Created Contents has become a cultural content, and the desire to express one's own individuality is spreading to all areas of society. He is also active in financial and consumer life.

However, a bankbook design that adheres to a uniform design can be a stumbling block to the desire for expressing personality as above, and a bank account design composed of only a bank account name and a financial institution's logo can attract an active customer group to express personality. The following contains some difficult problems.

The present invention has been made to solve the above problems, and when receiving a predetermined bankbook, receiving predetermined customer information, financial account information, and predetermined image content information requested by the predetermined information receiving means for issuing a predetermined bankbook; Generate predetermined bankbook information including the customer information and financial account information in a predetermined information generating means, and store the predetermined bankbook information in a predetermined ledger by linking the bankbook information and the image content information in a predetermined information storage means; The image editing means for editing the image content information to be printed on the surface of the predetermined passbook, and the predetermined bankbook issuing means for printing and issuing the image content on the surface of the passbook.

According to an embodiment of the present invention, a method for issuing a bankbook using user contents may include receiving predetermined customer information, financial account information, and predetermined image content information requested by the predetermined information receiving unit for predetermined bankbook issuance, Generate predetermined bankbook information including customer information and financial account information, and store the predetermined bank account information in a predetermined ledger by linking the bank account information and the image content information in a predetermined information storage means, and in the predetermined image editing means. The information is edited to be printed on the outer surface of the predetermined bankbook, and the predetermined bankbook issuing means prints and issues the image contents on the outer surface of the bankbook.

The method of issuing a bankbook using user content may further include a step of confirming, by a customer, a bankbook receipt of a predetermined bankbook receipt confirming means, on which the image content is printed.

The bank account issuing system using the user content according to the present invention is characterized by comprising a recording medium characterized in that the program for executing the bank account issuing method using the user content.

The bank account issuing system using the user contents according to the present invention includes information receiving means for receiving predetermined customer information, financial account information, and predetermined image content information requested to issue a predetermined bank account, and the customer information and financial account information. Information generating means for generating predetermined bankbook information, information storage means for storing the bankbook information and the image content information in a predetermined ledger, and editing the image content information to be printed on the surface of the predetermined bankbook; And an account book issuing means for printing and issuing the image content on the surface of the bank account.

The image content information may include user content in the form of an image generated (or produced) by the customer.

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 component 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 view showing a bank account issuing system using an image produced (or requested) by a customer according to an embodiment of the present invention.

In more detail, Figure 1 shows a bank account issuing information for a specific bank account issuance for the customer's unique bank account issuance using the image produced by the customer according to the present invention to the bank account issuance system through a predetermined bank account issuance interface. If provided, the system configuration for issuing a bankbook including the image produced by the customer (or requested) to the customer through a predetermined bankbook issuing device based on the provided bankbook issuance application information in the bankbook issuing system, Those skilled in the art to which the present invention pertains, various implementations of the configuration of the account book issuing system for issuing the customer's own account using the image produced (or required) by the customer by referring to or modifying the drawing 1 It would be possible to infer a method, but the present invention encompasses all of the inferred implementation methods, as shown in FIG. It shall not be limited to the exemplary method.

Hereinafter, at least one means or function configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. The component is referred to as a "book issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a bankbook issuing system for issuing a customer's own bankbook utilizing an image produced (or requested) by a customer according to the present invention may be provided with at least one financial institution. And a bank terminal issuing device for printing a bankbook containing an image produced (or requested) by the customer. The terminal is connected to a communication channel and the bankbook issuing server 100 provided on the bankbook issuing system through a predetermined financial network.

According to the method of the present invention, the passbook issuing device provided in the window terminal can print the facebook color or black and white to print not only the passbook information of the passbook face, but also the image produced (or requested) by the customer. It is characterized in that it further comprises a predetermined printing device (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, thereby The invention is not limited.

According to one embodiment of the present invention, the customer visits the financial institution for the issuance of a customer's own bankbook using the image produced (or requested) by the customer according to the present invention through a window provided in the financial institution. (Or through a clerk) a specific bankbook issuance application (e.g., a client's own image utilizing a customer's own (or requested) image for issuing a customer's own bankbook using the image created (or requested) by the customer A document with a form for filling out at least one information item for issuance of a bankbook) (or the visitor visits the customer and uses the image produced or requested by the customer). To complete a bankbook issuance application for the customer's own bankbook issuance), and submit the completed bankbook issuance application to the clerk. The job employee inputs (or selects) information written in the bank account issuance application through a predetermined counter terminal, and the counter terminal has the input (or selected) information on the bank account issuing system through the financial network. It is preferable to transmit to the passbook issuance server 100.

Here, the teller terminal preferably comprises a teller terminal used by the teller staff provided in the financial institution, the bankbook issuing server 100 connected to the teller terminal is ledger server provided on the predetermined financial system Preferably, the financial network connecting the teller terminal and the bankbook issuing server 100 includes a branch network connecting the communication channel between the teller terminal and the bankbook issuing server 100. .

In the bankbook issuing system as described above, the bankbook issuance application prepared by the customer, the teller terminal used by the teller staff and the financial network connecting the teller terminal and the bankbook issuing server 100 is the customer in the present invention; According to the customer's own account using the image created (or requested) to perform the function of the bank account issuing interface for registering the bank account issuing application information for the customer's unique account issuance.

The financial institution issuing the bank account to the customer is characterized in that it has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or sales offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through the terminal.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide 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).

Referring to FIG. 1, the financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between a financial system and at least one other financial system (or payment system), 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 telebanking, TV banking, etc.), 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 the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components, such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. Not only are they acquainted with at least one ledger additional information corresponding to the information, but each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood that the detailed description thereof will be omitted for convenience.

The bankbook issuing server 100 provided on the bankbook issuing system according to the present invention is a generic name of the bankbook issuing system side components connected to the bankbook issuing terminal 145 and a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the bankbook issuing server 100 is provided with an interface unit 105 (or interface means) for providing a predetermined bankbook issuing interface to the bankbook issuing terminal 145 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the bankbook issuing terminal 145 is a window terminal connected to a predetermined financial network, the interface unit 105 is connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a bankbook issuing application program provided in the window terminal.

Referring to FIG. 1, the bankbook issuing server 100 is interlocked with the interface unit 105 when a predetermined bankbook issuing terminal 145 is connected to the bankbook issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transferring predetermined bankbook issuing application information from the bankbook issuing terminal 145 and providing it to the bankbook issuing terminal 145 ( 110 (or an interface providing means) and information for receiving predetermined bankbook issuance request information transmitted from the bankbook issuing terminal 145 via the user interface (or selected) in association with the interface unit 105. An information generating unit 125 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the receiving unit 115 (or information receiving means) and the received bankbook issuing application information; Is information generating means), an information checking unit 130 (or information checking means) for confirming whether or not to use an image produced or requested by the customer for the bankbook based on the generated bankbook information, and the information. When the use of the image produced by the customer (or requested) by the confirmation unit 130 is confirmed, the image editing unit 135 (or an image) for editing the image to be printed on the bankbook to be issued to the customer based on the generated bankbook information A bankbook issuing unit 140 (or a bankbook issuing unit) for transmitting the bankbook information and the edited image information to a bankbook issuing device provided at a predetermined window terminal, and the bankbook issuing unit provided at the window terminal. The device issues a predetermined bankbook including bankbook information and edited image information transmitted from the bankbook issuing unit 140, and displays bankbook ledger information corresponding to the bankbook issued to the customer. It is characterized in that it is provided with an information storage unit 120 (or information storage means) for storing in the ledger D / B on the financial system.

The interface providing unit 110 corresponds to a functional configuration provided in the bankbook issuing terminal 145 when a predetermined bankbook issuing terminal 145 is connected to the bankbook issuing server 100 through the interface unit 105. Input (or select) the bankbook issuing application information to generate a predetermined user interface that can be transmitted to the bankbook issuing server 100 through the financial network, or extract from a predetermined database (not shown); It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the bankbook issuance terminal 145 through the financial network.

Thereafter, the bankbook issuing terminal 145 inputs (or selects) the bankbook issuing application information based on the user interface, and sends the bankbook issuing application information to the bankbook issuing server through the financial network. Send to 100.

According to an embodiment of the present invention, when the bankbook issuing terminal 145 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a bankbook issuance application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined bankbook issuing application information from the bankbook issuing terminal 145 through the user interface and transmits the same through the financial network. Characterized in that the bank account issuing application information is received, and provides the received bank account issuing information to the information generating unit 125.

According to the implementation method of the present invention, the bank account issuing application information is the bank account issuing information, the account information to be associated with the bank account issuance, and the bank account issuance approval information including the information to approve the issue of the bank account; It is preferable that the user's account includes at least one user design confirmation information for confirming whether to use the image designed by the customer, and at least one image content information including the image that the customer wants to be printed on the account.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the bank account issuing system corresponding to the customer by at least one or more; It is preferable.

The financial account information is information on a financial account to be associated with the bank account, preferably including at least one or more account numbers and bank account numbers.

The passbook issuance approval information is information for agreeing to the issue of the passbook, preferably including at least one information that agrees to the passbook issuance terms and information that the customer selects the kind of passbook.

The user design confirmation information is information for confirming whether to print the image produced or requested by the customer on the face of the bankbook, and the information agreeing to the terms and conditions for using the image produced or requested by the customer. It is preferable to include at least one or more information for applying for the image produced (or requested) by the customer.

The image content information is information on an image to be printed on the surface of the bankbook to be issued, if desired by the customer, and preferably includes at least one or more of a picture, a photo, an image file, a video file, etc. (Or a customer's request) it is possible to apply a variety of the type of the image content information, by which the present invention is not limited.

Here, the financial account information to be linked to the bank account, the customer name is preferably formed by including an account number corresponding to the account already established in the ledger D / B on the financial system, the financial system If the account in the name of the customer is not opened, it is preferable to further include account opening request information requesting the financial system to open a new account in the name of the customer.

According to the embodiment of the present invention, the information receiving unit 115 preferably further includes a function of checking the validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the financial account to be linked with the bank account is not provided in the ledger D / B on the financial system, the bank account issuing server 100 may further perform a procedure for opening a new financial account to be linked with the bank account. Thereby, this invention is not limited.

The information generating unit 125 generates predetermined bankbook information to be provided in the bankbook to the customer based on the bankbook issuing application information received through the information receiving unit 115, wherein the bankbook information is Basic bankbook information including customer name, social security number (or corporate registration number if customer is a company / corporate), deposit type, new date, issue date and bank account number, and at least one transaction date, content, withdrawal amount, deposit amount, balance And user designation consent information including book entry information including a store name, information confirming whether or not to print an image produced or requested by the customer on the face of the account, and the customer's production (or request). At least one image content information including information about the image is preferably made.

The information checking unit 130 checks whether or not to use the image produced by the customer (or required) for the bankbook based on the bankbook information generated by the information generating unit 125.

When the use of the image produced by the customer (or requested) is confirmed by the information checking unit 130, the image editing unit 135 is issued to the customer based on the image content information included in the generated account information And editing an image to be printed on the surface.

The bankbook issuing unit 140 transmits the bankbook information generated by the information generating unit 125 and the image content information edited by the image editing unit 135 to a window terminal, and is provided at the window terminal. Produces a bankbook including the bankbook information received from the bankbook issuing unit 140 and the image produced (or requested) by the customer through the bankbook issuing device (or having the bankbook information in the bankbook and produced by the customer (Or print a desired image), the bank account is provided to the customer.

According to the method of the present invention, the passbook issuing device provided in the window terminal can print the facebook color or black and white to print not only the passbook information of the passbook face, but also the image produced (or requested) by the customer. It is characterized in that it further comprises a predetermined printing device (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, thereby The invention is not limited.

If the bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 125 is at least one paper The bankbook issuance information is generated by a data structure printable on the bankbook form, and the bankbook issuing unit 140 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

The bankbook manufactured as described above is provided to the customer, and the customer then uses the bankbook through the bankbook issuing system according to the present invention.

Thereafter, the information storage unit 120 is associated with the bank account on the ledger D / B on the financial system based on the bank account issuance application information and the bank account information received from the customer through the information receiving unit 115 And storing the bank account ledger information in the form of additional information of an account ledger (or receiving ledger) corresponding to an account.

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

2 is a view showing the configuration of the ledger information for issuing a customer's own bankbook using the image produced (or requested) by the customer in accordance with the method of the present invention.

More specifically, Figure 2 is the ledger information stored in the ledger D / B on the financial system for the issuance of the customer's own account using the image produced (or requested) by the customer in the bank account issuing system shown in Figure 1 As for the configuration, if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger information structure for the customer's unique bankbook issuance using the image produced (or required) by the customer by referring to or modifying the drawing 2 Various implementation methods for sex may be inferred, but the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 2, the ledger information stored in the ledger D / B on the financial system is illustrated as including a predetermined customer ledger, at least one account ledger, and bank account information processed in association with each account ledger. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 2 and other various ledgers (for example, loan ledger, collateral ledger, ..., etc.) in addition to the customer ledger and the account ledger. It will be clearly understood that the additional information is included in the ledger information, whereby the present invention is not limited.

In this drawing 2 according to the embodiment of the present invention, the customer ledger is a ledger that matches the customer information included in the bankbook issuing application information, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification. , Customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, postal address , Account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender 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. It is preferable.

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

In addition, in this figure, the account ledger is linked to the customer ledger in a relational manner, and account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, Bank account balance, bank account number, current interest, time extension, time extension amount, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest , Account ledger information including at least one or more of the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc., including the account number, abstention (months), period (days), period corresponding to the account ledger. Periodic reception information including at least one extension, a maturity date and a target amount, or a trust number including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. New information or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, Transaction details including at least one of CIF and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to Figure 2, the account information is characterized in that it is included in the ledger information in the form of additional information associated with the account ledger, the account information is customer name, social security number (or if the customer is a company / corporation, corporation Registration number, etc.), bank account basic information including deposit type, new date, issue date and bankbook number, bankbook entry information including at least one transaction date, contents, withdrawal amount, deposit amount, balance, and store name, and the face of the bankbook. At least one of user design agreement information including information for confirming whether to print an image produced or requested by the customer, and image content information including information about an image produced or requested by the customer. It is preferable to comprise as mentioned above.

3 is a diagram illustrating a bank account issuing process using an image produced (or requested) by a customer according to an exemplary embodiment of the present invention.

In more detail, in Figure 3, a predetermined customer in the bankbook issuing system shown in Figure 1, a predetermined bankbook issuing account through the predetermined bankbook issuance interface (for example, the bankbook issuance application and the window terminal and the financial network) When the predetermined bankbook issuance application information is transmitted to the issuing server 100, the bankbook issuing server 100 is a process for issuing a predetermined bankbook based on the bankbook issuing application information. Those skilled in the art will be able to infer various implementation methods for issuing the bankbook for the issuance of the customer's own bankbook using the image created or requested by the customer by referring to or modifying the drawing 3, The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the bankbook is prepared and provided to the customer, and then the predetermined bankbook information is stored in the ledger D / B on the financial system. The process of storing the predetermined bankbook ledger information in the ledger D / B may be performed before the bankbook is produced or before the bankbook is produced and provided to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 3, the bankbook issuing terminal 145 shown in FIG. 1 is referred to as a "terminal" for convenience, and the bankbook issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, the customer who wants to issue the bankbook for his / her own bankbook issuance using the image created (or requested) by the customer may request predetermined bankbook issuance application information through a predetermined bankbook issuance interface. After filling out a predetermined bankbook issuing application including a, it provides the bankbook issuing application information to the server through a predetermined bankbook issuing interface (300).

Here, the passbook issuing interface preferably comprises a passbook issuance application prepared by the customer, a window terminal used by the staff of the financial institution, and a financial network connecting the window terminal and the server.

According to the method of the present invention, the bank account issuing application information is preferably made of at least one or more customer information receiving the bank account and financial account information to be associated with the bank account.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the financial system in the customer name If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

On the other hand, when predetermined bankbook issuance application information is received through the bankbook issuing interface, the server reads the received bankbook issuing application information and checks the validity of the bankbook issuance to the customer (305).

Here, the account issuance validity confirmation is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

According to the method of the present invention, if the ledger D / B on the financial system is not provided with a financial account to be linked to the bank account, the server may further perform a procedure for opening a new financial account to be linked to the bank account; The present invention is not limited thereby.

If the validity for issuing the bankbook to the customer is not authenticated through the bankbook issuing application information (310), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (315), Stop issuing the account to the customer.

When the validity to issue the bankbook to the customer is authenticated through the bankbook issuing application information (310), the server generates predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. (320).

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents User design agreement information including information on whether to print an image produced by the customer (or requested) on the outside of the bankbook, the bankbook entry information including the withdrawal amount, the deposit amount, the balance and the name of the store; It is preferable to include at least one or more image content information including information about the image produced (or requested) by the customer.

According to the method of the present invention, if the bankbook is a paper bankbook, the generated bankbook information preferably includes a data structure printable on the paperbook template.

Thereafter, the server reads user design confirmation information included in the generated bank account information to check whether the image created or requested by the customer is used in the bank account to be issued.

If the customer does not use the image produced (or requested) in the bankbook to be issued (330), the server transmits the bankbook information to the terminal equipped with the bankbook issuing device (335), the window terminal Produces and provides a bankbook with the bankbook information through the bankbook issuing device provided in (340), the bank account issuance information through the bankbook issuing application information and bankbook information from the server, ledger D / B on the financial system Link with the ledger provided in the account book information is stored.

When using the image produced by the customer (or requested) for the bankbook to be issued (330), the server edits the image content information to be printed on the surface of the bankbook to be issued according to the bankbook standard (345).

According to the method of the present invention, the range and specification of the outer surface of the passbook to which the edited image is to be printed can be variously inferred, such as front, back, front and back, and the present invention includes all the possible analogies. Is done.

Thereafter, the server transmits the bankbook information and the edited image content information to the window terminal provided with the bankbook issuing device (350), and the predetermined terminal having the bankbook information and the image content through the bankbook issuing device at the window terminal. Produce and provide to the customer. (355)

According to the method of the present invention, the passbook issuing device provided in the window terminal can print the facebook color or black and white to print not only the passbook information of the passbook face, but also the image produced (or requested) by the customer. It is characterized in that it further comprises a predetermined printing device (not shown), the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, thereby The invention is not limited.

According to the embodiment of the present invention, if the bankbook is a paper bankbook, the bankbook issuing device preferably comprises a device for printing the bankbook information on the form provided in the bankbook.

According to the method of the present invention, the passbook issuing device provided in the window terminal can print the facebook color or black and white to print not only the passbook information of the passbook face, but also the image produced (or requested) by the customer. It is characterized in that it further comprises a predetermined printing device (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, thereby The invention is not limited.

Thereafter, the server generates passbook ledger information through the passbook application request information and the passbook information (360), and stores the passbook ledger information in the ledger D / B on the financial system.

Here, at least one information item to be stored in the account book information in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the account on the ledger D / B on the financial system of the account information It is preferable to comprise a.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

4 is a view showing an account book issuing system utilizing an image produced (or requested) by a customer according to another exemplary embodiment of the present invention.

In more detail, Figure 4 shows a bank account issuing information for the issuance of the customer's own bank account using the image produced (or requested) by the customer according to the present invention to the bank account issuing system through a predetermined bank account issuing interface. If provided, the system configuration for issuing a bankbook including the image produced by the customer (or requested) to the customer through a predetermined bankbook issuing device based on the provided bankbook issuance application information in the bankbook issuing system, Those skilled in the art to which the present invention pertains, various implementations of the configuration of the bankbook issuance system for issuing a customer's own bankbook using the image produced (or required) by the customer by referring to or modifying the drawing 4 The method may be inferred, but the present invention encompasses all of the inferred implementation methods, and is shown in FIG. It shall not be limited to the exemplary method.

Hereinafter, at least one means or function configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. The component is referred to as "book issuing server 400" for convenience.

Referring to this Figure 4 according to the embodiment of the present invention, the bankbook issuance system for customer-specific bankbook issuance utilizing the image produced (or requested) by the customer according to the present invention, the bankbook issuance system is a non-face-to-face In the case of supporting a bankbook issuing application, a predetermined customer is input (or select) a predetermined bankbook issuing application information, characterized in that it comprises a bankbook issuing terminal 445 for transmitting to the bankbook issuing server 400 and The bankbook issuing terminal 445 is connected to a bankbook issuing server 400 provided on the bankbook issuing system through a predetermined network means.

According to an embodiment of the present invention, when the virtual account opening system supports a non-face-to-face virtual account opening, the bankbook issuing terminal 445 includes a client terminal including at least one wired terminal or a wireless terminal. It is characterized in that, the client terminal is connected to the communication channel and the bankbook issuing server 400 provided on the bankbook issuing system through a predetermined network means.

According to an embodiment of the present invention, when the bankbook issuing system supports a non-facebook bankbook issuing application, the customer is at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Access to the bankbook issuance server 400 through a client terminal, and through the at least one user interface provided by the bankbook issuance server 400 utilizing the image produced (or requested) by the customer according to the present invention unique to the customer When inputting (or selecting) the bankbook issuing application information for the bankbook issuing, it is preferable to transmit to the bankbook issuing server 400 provided on the bankbook issuing system through a predetermined network means from the client terminal.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or No connection to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the bankbook issuing server 400, and inputs or selects at least one or more information through the user interface to transmit to the bankbook issuing server 400. 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 bankbook issuing server 400, etc.) is provided.

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

In the account book issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired network or wireless network connecting the client terminal and the bankbook issuance server 400. The customer performs a function of a bankbook issuing interface for registering the bankbook issuing application information for the customer's unique bankbook issuance using the image produced (or requested) by the customer according to the present invention.

According to another exemplary embodiment of the present invention, when the bankbook issuing system supports a non-facebook bankbook issuing application, the bankbook issuing terminal 445, in addition to the client terminal, a predetermined financial network (eg, a financial common network). Or an automatic teller machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD), or a public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a PSTN) or a VoIP (Voice over IP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network ( (Not shown) or may further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. The present invention is not limited thereby.

In the case of supporting a non-facebook account issuance application as described above, when the bankbook issuing terminal 445 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the bankbook issuing server 400 registers the bankbook issuing application information for the customer's own bankbook issuance using the image produced by the customer (or required) according to the present invention. Performs the function of the bankbook issuing interface for, or when the bankbook issuing terminal 445 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the bankbook issuing server ( The wired telephone network or the wireless telephone network which connects 400 may be used to obtain bankbook issuance application information for the issuance of the customer's own bankbook using the image produced by the customer (or required) according to the present invention. If the terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is the bankbook issuing terminal 445, (not shown), the terminal (or server) ( (Not shown) and the network connecting the terminal (or server) (not shown) and the bankbook issuing server 400 is a customer-specific bankbook utilizing the image produced by the customer (or requested) by the customer according to the present invention. Performs the function of a bank account issuing interface for registering bank account issuing information for issuance.

The financial institution issuing the bank account to the customer is provided with a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It is done.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Providing face-to-face financial transaction services to at least one financial transaction customer.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide 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).

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The bankbook issuing server 400 provided on the bankbook issuing system according to the present invention is a collective term for the bankbook issuing system side components connected to the bankbook issuing terminal 445 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the bankbook issuing server 400 is provided with an interface unit 405 (or interface means) for providing a predetermined bankbook issuing interface to the bankbook issuing terminal 445 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the bankbook issuing terminal 445 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the bankbook issuing terminal 445 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 4, the bankbook issuing server 400 interworks with the interface unit 405 when a predetermined bankbook issuing terminal 445 is connected to the bankbook issuing server 400 through the interface unit 405. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transferring predetermined bankbook issuing application information from the bankbook issuing terminal 445 to the bankbook issuing terminal 445. 410 (or an interface providing means) and information for receiving predetermined bankbook issuance request information transmitted from the bankbook issuing terminal 445 through the user interface in connection with the interface unit 405. An information generating unit 425 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the receiving unit 415 (or information receiving means) and the received bankbook issuing application information ( Or information generating means), an information checking unit 430 (or information checking means) for confirming whether or not to use an image produced or requested by the customer for the bankbook based on the generated bankbook information, and the information. When the use of the image produced (or requested) by the customer is confirmed by the identification unit 430, an image editing unit 435 (or an image) for editing an image to be printed on the bankbook to be issued to the customer based on the generated bankbook information. A bankbook issuing unit 440 (or a bankbook issuing means) for issuing a predetermined bankbook including the bankbook information and the edited image information through a predetermined bankbook issuing device, and whether the bankbook has been received; Bankbook receipt confirmation unit 445 (or bankbook receipt confirmation means) for confirming the information, and the information storage for storing the bankbook ledger information corresponding to the bankbook issued to the customer in the ledger D / B on the financial system 420 is characterized in that obtained by having a (or information storage medium).

The interface providing unit 410 corresponds to a functional configuration provided in the bankbook issuing terminal 445 when a predetermined bankbook issuing terminal 445 is connected to the bankbook issuing server 400 through the interface unit 405. Input (or select) the bank account issuing application information to generate a predetermined user interface which can be transmitted to the bank account issuing server 400 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 405 to the bankbook issuing terminal 445 through the network means.

Thereafter, the bankbook issuing terminal 445 inputs (or selects) the bankbook issuing application information based on the user interface, and sends the bankbook issuing application information to the bankbook issuing server through the network means. Send to 400.

According to an embodiment of the present invention, when the bankbook issuing terminal 445 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 410 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the apparatus, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405. .

According to another embodiment of the present invention, when the bankbook issuing terminal 445 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined bankbook issuing application information from the bankbook issuing terminal 445 through the user interface and transmits the same through the network unit. Characterized in that the bank account issuing application information is received, and provides the received bank account issuing information to the information generating unit 425.

According to the implementation method of the present invention, the bank account issuing application information is the bank account issuing information, the account information to be associated with the bank account issuance, and the bank account issuance approval information including the information to approve the issue of the bank account; User design confirmation information for confirming whether to use the image designed by the customer in the account book to be received by the customer, image content information including the image that the customer wants to be printed on the account book, and when the account is issued, the customer is shipped. At least one customer address information including an address to be made, and at least one passbook confirmation information confirming whether or not the receipt of the passbook issued to the customer is preferably made.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the bank account issuing system corresponding to the customer by at least one or more; It is preferable.

The financial account information is information on a financial account to be associated with the bank account, preferably including at least one or more account numbers and bank account numbers.

The passbook issuance approval information is information for agreeing to the issue of the passbook, preferably including at least one information that agrees to the passbook issuance terms and information that the customer selects the kind of passbook.

The user design confirmation information is information for confirming whether to print the image produced or requested by the customer on the face of the bankbook, and the information agreeing to the terms and conditions for using the image produced or requested by the customer. It is preferable to include at least one or more information for applying for the image produced (or requested) by the customer.

The image content information is information on an image to be printed on the surface of the bankbook to be issued, if desired by the customer, and preferably includes at least one or more of a picture, a photo, an image file, a video file, etc. (Or a customer's request) it is possible to apply a variety of the type of the image content information, by which the present invention is not limited.

The customer address information is information including an address to be delivered to the customer when the bank account is issued, and preferably includes at least one of a customer's home address or a company's company address.

The bankbook receipt confirmation information is information for confirming the receipt of the bankbook issued to the customer, preferably comprising at least one or more customer approval number, or passbook invoice number corresponding to the bankbook delivered to the customer. .

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the financial system in the customer name If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

According to the embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the financial account to be linked to the bank account is not provided in the ledger D / B on the financial system, the bank account issuing server 400 may further perform a procedure for opening a new financial account to be linked to the bank account. Thereby, this invention is not limited.

The information generation unit 425 generates predetermined bankbook information to be provided in the bankbook to the customer based on the bankbook issuance application information received through the information receiving unit 415, and the bankbook information is Basic bankbook information including customer name, social security number (or corporate registration number if customer is a company / corporate), deposit type, new date, issue date and bank account number, and at least one transaction date, content, withdrawal amount, deposit amount, balance And user designation consent information including book entry information including a store name, information confirming whether or not to print an image produced or requested by the customer on the face of the account, and the customer's production (or request). Image information including information about an image and customer address information including an address to be delivered to the customer when the bankbook is issued; It comprises a bank account reception confirmation information to confirm whether the receipt issued to the customer account at least one are preferred.

The information checking unit 430 checks whether or not to use an image produced by the customer (or required) for the bankbook based on the bankbook information generated by the information generator 425.

When the use of the image produced (or requested) by the customer is confirmed by the information checking unit 430, the image editing unit 435 may issue an account book to be issued to the customer based on the image content information included in the generated book information. And editing an image to be printed on the surface.

The bankbook issuing unit 440 produces a bankbook including the bankbook information and the image produced (or requested) by the customer through a predetermined bankbook issuing device (or having the bankbook information in the bankbook and being produced by the customer). (Or print a requested image), the bank account is provided (or shipped) to the customer.

According to the method of the present invention, the passbook issuing device is a predetermined printing device capable of printing the face of the passbook in color or black and white for printing not only the passbook information of the passbook face, but also an image produced (or required) by the customer. It is characterized in that it further comprises (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, by which the present invention is not limited. .

If the bankbook is a paper bankbook, the bankbook issuing device includes a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 425 is at least one paper The bankbook issuing information is generated in a data structure printable on the bankbook form, and the bankbook issuing unit 440 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

When the produced bankbook is provided (or shipped) to the customer, the bankbook receipt confirming unit 445 may be configured to check whether the bankbook issued to the customer is received.

The bankbook produced as described above is provided to the customer or is delivered to the customer according to a predetermined bankbook providing procedure, and when the receipt of the bankbook is confirmed to the customer, the customer then issues a bankbook issuing system according to the present invention. Through the passbook will be used.

Thereafter, the information storage unit 420 is connected to the bank account on the ledger D / B on the financial system based on the bank account issuance application information and the bank account information received from the customer through the information receiving unit 415 And storing the bank account ledger information in the form of additional information of an account ledger (or receiving ledger) corresponding to an account.

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

5 is a view showing the configuration of the ledger information for customer-specific bankbook issuance using the image produced (or requested) by the customer in accordance with the method of the present invention.

In more detail, FIG. 5 illustrates ledger information stored in the ledger D / B on the financial system for issuing a customer's own bankbook using the image generated (or requested) by the customer in the bankbook issuing system shown in FIG. As for the configuration, if the person of ordinary skill in the art to which the present invention belongs, refer to or modify the drawing 5, the ledger information for the customer's own account issuance utilizing the image produced (or required) by the customer Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the ledger information stored in the ledger D / B on the financial system is illustrated as including a predetermined customer ledger, at least one account ledger, and account book information associated with each account ledger. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 5 and other various ledgers (for example, loan ledger, mortgage ledger, etc.) in addition to the customer ledger and the account ledger. It will be clearly understood that the additional information is included in the ledger information, whereby the present invention is not limited.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger that matches the customer information included in the bankbook issuance application information, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, and a customer classification. , Customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, postal address , Account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender 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. It is preferable.

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

In addition, in this figure 5, the ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, Bank account balance, bank account number, current interest, time extension, time extension amount, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest , Account ledger information including at least one or more of the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc., including the account number, abstention (months), period (days), period corresponding to the account ledger. Periodic reception information including at least one extension, a maturity date and a target amount, or a trust number including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. New information or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, Transaction details including at least one of CIF and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to Figure 5, the account information is characterized in that it is included in the ledger information in the form of additional information associated with the account ledger, the account information is customer name, social security number (or if the customer is a company / corporation, corporation Registration number, etc.), bank account basic information including deposit type, new date, issue date and bankbook number, bankbook entry information including at least one transaction date, contents, withdrawal amount, deposit amount, balance, and store name, and the face of the bankbook. User design agreement information including information for confirming whether to print an image produced or requested by the customer, image content information including information about an image produced or requested by the customer, and Customer account information including the address to be delivered to the customer at the time of issuance of the bankbook and the bankbook confirming receipt of the bankbook issued to the customer It comprises a command check information for at least one are preferred.

Figure 6 is a view showing a bank account issuance process made (or requested) by the customer according to another embodiment of the present invention.

In more detail, in FIG. 6, in the bank account issuing system shown in FIG. 4, a predetermined customer passes through a predetermined bank account issuing interface (for example, a client terminal and network means including at least one wired terminal or a wireless terminal). When the predetermined bankbook issuance application information is transmitted to the bankbook issuing server 400 to the bankbook issuing server 400, the bankbook issuing server 400 issuing a predetermined bankbook based on the bankbook issuing application information. As those skilled in the art to which the present invention pertains, various methods for issuing the bank account for the customer's own bankbook issuance using the image produced (or requested) by the customer with reference to or modified in this drawing 6 Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIG. It is not limited.

For example, FIG. 6 illustrates that the bankbook is produced and provided (or shipped) to the customer, and then the predetermined bankbook information is stored in the ledger D / B on the financial system. The process of storing the predetermined bank account information in the ledger D / B on the financial system may be performed before the bank account is produced or before the bank account is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in FIG. 6, the bankbook issuing terminal 445 shown in FIG. 4 is called "terminal" for convenience, and the bankbook issuing server 400 is called "server" for convenience.

Referring to FIG. 6, a customer who wants to be issued the bankbook for his / her own bankbook issuance using the image produced (or requested) by the customer, accesses the server through the network means using the terminal. Request a bankbook issuance interface for issuing the bank account issuing to the server (600), and correspondingly, the server extracts (or generates) a bankbook issuing interface for issuing the bank account is provided to the terminal (605).

Thereafter, the terminal inputs (or selects) predetermined bankbook issuance application information through the bankbook issuing interface and then provides the bankbook issuing application information to the server through a predetermined bankbook issuing interface (610).

Here, the bankbook issuing interface is a user terminal for inputting predetermined bankbook issuing application information from the terminal and the predetermined terminal used by the customer, the network means for connecting the terminal and the server and the server from the terminal; It is preferable to comprise a.

According to the method of the present invention, the bank account issuing application information is preferably made up of at least one or more customer information that is issued the bank account and financial account information to be associated with the bank account.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the financial system in the customer name If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

When predetermined bankbook issuance application information is received through the bankbook issuing interface, the server reads the received bankbook issuing application information to check whether the bankbook issuance can be issued to the customer (615).

Here, the account issuance validity confirmation is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

According to the method of the present invention, if the ledger D / B on the financial system is not provided with a financial account to be linked to the bank account, the server may further perform a procedure for opening a new financial account to be linked to the bank account; The present invention is not limited thereby.

If the validity to issue the bankbook to the customer is not authenticated through the bankbook issuing application information (620), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (625), Stop issuing the account to the customer.

On the other hand, if the validity for issuing the bankbook to the customer is authenticated through the bankbook issuing application information (620), the server receives predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. Generate (630).

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents User design agreement information including information on whether to print an image produced by the customer (or requested) on the outside of the bankbook, the bankbook entry information including the withdrawal amount, the deposit amount, the balance and the name of the store; Image contents information including information about an image produced (or requested) by a customer, customer address information including an address to be delivered to the customer when the bankbook is issued, and a bankbook confirming receipt of the bankbook issued to the customer. It is preferable to include at least one or more receipt confirmation information.

According to an embodiment of the present invention, if the bankbook is a paper bankbook, the generated bankbook information may include a data structure printable on the paperbook template.

Thereafter, the server reads user design confirmation information included in the generated bankbook information to confirm whether or not an image created by the customer is used (or requested) in the bankbook to be issued.

If the customer does not use the image created (or requested) for the bankbook to be issued (640), the server generates a bankbook having the bankbook information through a predetermined bankbook issuing device and provides the bankbook to the customer. (Or delivery) and when the receipt of the bankbook issued to the customer is confirmed, the bankbook information is generated from the server through the bankbook issuing application information and the bankbook information, and the ledger D / B on the financial system is provided. Link with the ledger and save the ledger information.

When using the image produced (or requested) by the customer in the bankbook to be issued (640), the server edits the image content information to be printed on the surface of the bankbook to be issued according to the bankbook standard (650).

According to the method of the present invention, the range and specification of the outer surface of the passbook to which the edited image is to be printed can be variously inferred, such as front, back, front and back, and the present invention includes all the possible analogies. Is done.

Thereafter, the server generates a predetermined bankbook having the bankbook information and the image content through a predetermined bankbook issuing device and provides (or delivers) the bankbook to the customer (655).

According to the method of the present invention, the passbook issuing device is a predetermined printing device capable of printing the face of the passbook in color or black and white for printing not only the passbook information of the passbook face, but also an image produced (or required) by the customer. It is characterized in that it further comprises (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, by which the present invention is not limited. .

According to the method of the present invention, if the passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the passbook information on the form provided in the passbook.

Thereafter, a predetermined sender (shipper) sends the issued bankbook to the customer based on the customer address information, and checks the bankbook receipt confirmation information at the sender (shipper) terminal in order to confirm receipt of the bankbook. To send. (660)

Thereafter, the server receives the bankbook receipt confirmation information from a predetermined communication means (665), and confirms whether the customer has received the bankbook based on the received bankbook receipt confirmation information.

If the receipt of the customer's bankbook is confirmed (675), the server activates the use of the bankbook in which the customer's receipt is confirmed (680).

Thereafter, the server generates predetermined account book information through the account issue application information and the generated book information provided from the customer through a book issue interface (685), and converts the book ledger information into a ledger D / on the financial system. Save to B. (690)

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

7 is a view showing a bank account issuing system utilizing an image produced (or requested) by a customer according to another embodiment of the present invention.

In more detail, Figure 7 shows a bank account issuing information for the issuance of the customer's own account using the image created (or requested) by the customer according to the present invention to the bank account issuing system through a predetermined bank account issuing interface. If provided, the system configuration for issuing a bankbook including the image produced by the customer (or requested) to the customer through a predetermined bankbook issuing device based on the provided bankbook issuance application information in the bankbook issuing system, Those skilled in the art to which the present invention pertains, various implementations of the configuration of the bank account issuance system for issuing the customer's own bankbook using the image produced (or required) by the customer by referring to or modifying the drawing 7 It will be appreciated that the method may be inferred, but the present invention encompasses all implementations inferred from the above, It shall not be limited to the exemplary method.

Hereinafter, at least one means or functional configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. The component to be referred to as "book issuing server 700" for convenience.

Referring to this drawing 7 according to the embodiment of the present invention, a bank account issuing system for issuing a customer's own bankbook using the image produced (or requested) by the customer according to the present invention, a window provided with at least one financial institution It is characterized in that it comprises a teller terminal used by the employee, the teller terminal is connected to the communication channel and the bankbook issuing server 700 provided on the bankbook issuing system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution for the issuance of a customer's own bankbook using the image produced (or requested) by the customer according to the present invention through a window provided in the financial institution. (Or through a clerk) a specific bankbook issuance application (e.g., a client's own image utilizing a customer's own (or requested) image for issuing a customer's own bankbook using the image created (or requested) by the customer A document with a form for filling out at least one information item for issuance of a bankbook) (or the visitor visits the customer and uses the image produced or requested by the customer). To complete a bankbook issuance application for the customer's own bankbook issuance), and submit the completed bankbook issuance application to the clerk. The job employee inputs (or selects) the information written in the bankbook issuance application through a predetermined counter terminal, and the counter terminal has the input (or selected) information on the bankbook issuing system through the financial network. It is preferable to transmit to the passbook issuance server 700.

Here, the teller terminal preferably comprises a teller terminal used by the teller staff provided in the financial institution, the bankbook issuing server 700 connected to the teller terminal is ledger server provided on the predetermined financial system Preferably, the financial network connecting the teller terminal and the bankbook issuing server 700 includes a branch network connecting the communication channel between the teller terminal and the bankbook issuing server 700. .

In the bankbook issuing system as described above, the bankbook issuance application prepared by the customer, the teller terminal used by the teller staff and the financial network connecting the teller terminal and the bankbook issuing server 700 is the customer in the present invention; According to the customer's own account using the image created (or requested) to perform the function of the bank account issuing interface for registering the bank account issuing application information for the customer's unique account issuance.

The financial institution issuing the bank account to the customer is characterized in that it has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Providing face-to-face financial transaction services to at least one financial transaction customer.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide 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).

Referring to FIG. 7, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The bankbook issuing server 700 provided on the bankbook issuing system according to the present invention is a collective term of the bankbook issuing system side components connected to the bankbook issuing terminal 745 through a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the bankbook issuing server 700 is provided with an interface unit 705 (or interface means) for providing a predetermined bankbook issuing interface to the bankbook issuing terminal 745 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the bankbook issuing terminal 745 is a window terminal connected to a predetermined financial network, the interface unit 705 may be connected to the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a bankbook issuing application program provided in the window terminal.

Referring to FIG. 7, the bankbook issuing server 700 is interlocked with the interface unit 705 when a predetermined bankbook issuing terminal 745 is connected to the bankbook issuing server 700 through the interface unit 705. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transferring predetermined bankbook issuing application information from the bankbook issuing terminal 745 to the bankbook issuing terminal 745. 710 (or an interface providing means) and information for receiving predetermined bankbook issuance application information transmitted from the bankbook issuing terminal 745 by inputting (or selecting) through the user interface in cooperation with the interface unit 705. An information generator 725 (or information receiving means) and an information generator 725 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the received bankbook issuance application information ( Is information generating means), an information checking unit 730 (or information checking means) for confirming whether or not to use an image produced or requested by the customer for the bankbook based on the generated bankbook information, and the information. When the confirmation unit 730 confirms the use of the image produced (or requested) by the customer, the image editing unit 735 (or an image) for editing an image to be printed on the bankbook to be issued to the customer based on the generated bankbook information. A bankbook issuing unit 740 (or a bankbook issuing means) for issuing a predetermined bankbook including the bankbook information and the edited image information through a predetermined bankbook issuing device, and whether the bankbook has been received or not; Bankbook receipt confirmation unit 745 (or bankbook receipt confirmation means) for confirming the information, and the information storage for storing the account book information corresponding to the bankbook issued to the customer in the ledger D / B on the financial system 720 is characterized in that obtained by having a (or information storage medium).

The interface providing unit 710 corresponds to a functional configuration provided in the bankbook issuing terminal 745 when a predetermined bankbook issuing terminal 745 is connected to the bankbook issuing server 700 through the interface unit 705. Input (or select) the bankbook issuing application information to generate a predetermined user interface that can be transmitted to the bankbook issuing server 700 through the financial network, or extract from a predetermined database (not shown); It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 705 to the bankbook issuance terminal 745 through the financial network.

Thereafter, the bankbook issuing terminal 745 inputs (or selects) the bankbook issuing application information based on the user interface, and sends the bankbook issuing application information to the bankbook issuing server through the financial network. Send to 700.

According to an embodiment of the present invention, when the bankbook issuing terminal 745 is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a bankbook issuance application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

The information receiving unit 715 inputs (or selects) predetermined bankbook issuance application information through the user interface in the bankbook issuing terminal 745 and transmits it through the financial network. Characterized in that the bank account issuing application information is received, and provides the received bank account issuing information to the information generating unit 725.

According to the implementation method of the present invention, the bank account issuing application information is the bank account issuing information, the account information to be associated with the bank account issuance, and the bank account issuance approval information including the information to approve the issue of the bank account; User design confirmation information for confirming whether to use the image designed by the customer in the account book to be received by the customer, image content information including the image that the customer wants to be printed on the account book, and when the account is issued, the customer is shipped. At least one customer address information including an address to be made, and at least one passbook confirmation information confirming whether or not the receipt of the passbook issued to the customer is preferably made.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the bank account issuing system in response to the customer. It is preferable.

The financial account information is information on a financial account to be associated with the bank account, preferably including at least one or more account numbers and bank account numbers.

The passbook issuance approval information is information for agreeing to the issue of the passbook, preferably including at least one information that agrees to the passbook issuance terms and information that the customer selects the kind of passbook.

The user design confirmation information is information for confirming whether to print the image produced or requested by the customer on the face of the bankbook, and the information agreeing to the terms and conditions for using the image produced or requested by the customer. It is preferable to include at least one or more information for applying for the image produced (or requested) by the customer.

The image content information is information on an image to be printed on the surface of the bankbook to be issued, if desired by the customer, and preferably includes at least one or more of a picture, a photo, an image file, a video file, etc. (Or a customer's request) it is possible to apply a variety of the type of the image content information, by which the present invention is not limited.

The customer address information is information including an address to be delivered to the customer when the bank account is issued, and preferably includes at least one of a customer's home address or a company's company address.

The bankbook receipt confirmation information is information for confirming the receipt of the bankbook issued to the customer, preferably comprising at least one or more customer approval number, or passbook invoice number corresponding to the bankbook delivered to the customer. .

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the financial system in the customer name If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

According to an embodiment of the present invention, the information receiving unit 715 preferably further includes a function of checking the validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the ledger D / B on the financial system does not have a financial account to be linked with the bankbook, the bankbook issuing server 700 may further perform a procedure for opening a new financial account to be linked with the bankbook. Thereby, this invention is not limited.

The information generation unit 725 generates predetermined bankbook information to be provided to the customer on the basis of the bankbook issuance application information received through the information receiving unit 715, the bankbook information is Basic bankbook information including customer name, social security number (or corporate registration number if customer is a company / corporate), deposit type, new date, issue date and bank account number, and at least one transaction date, content, withdrawal amount, deposit amount, balance And user designation consent information including book entry information including a store name, information confirming whether or not to print an image produced or requested by the customer on the face of the account, and the customer's production (or request). Image information including information about an image and customer address information including an address to be delivered to the customer when the bankbook is issued; It comprises a bank account reception confirmation information to confirm whether the receipt issued to the customer account at least one are preferred.

The information checking unit 730 checks whether or not to use the image produced by the customer (or required) for the bankbook based on the bankbook information generated by the information generator 725.

When the information checking unit 730 confirms the use of the image produced (or requested) by the customer, the image editing unit 735 is issued to the customer on the basis of the image content information included in the generated account information. And editing an image to be printed on the surface.

The bankbook issuing unit 740 produces a bankbook including the bankbook information and the image produced (or requested) by the customer through a predetermined bankbook issuing device (or having the bankbook information in the bankbook and being produced by the customer). (Or print a requested image), the bank account is provided (or shipped) to the customer.

According to the method of the present invention, the passbook issuing device is a predetermined printing device capable of printing the face of the passbook in color or black and white for printing not only the passbook information of the passbook face, but also an image produced (or required) by the customer. It is characterized in that it further comprises (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, by which the present invention is not limited. .

If the bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 725 is at least one paper The bankbook issuing information is generated by a data structure printable on the bankbook form, and the bankbook issuing unit 740 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

When the produced bankbook is provided (or shipped) to the customer, the bankbook receipt confirming unit 745 may check whether the bankbook issued to the customer is received.

The bankbook produced as described above is provided to the customer or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the bankbook through the bankbook issuing system according to the present invention.

Thereafter, the information storage unit 720 is linked to the bank account on the ledger D / B on the financial system based on the bank account issuance application information and the bank account information received from the customer through the information receiving unit 715 The account book information is stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the account.

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

8 is a view showing the structure of the ledger information for customer-specific bankbook issuance using the image produced (or requested) by the customer in accordance with the method of the present invention.

In more detail, FIG. 8 shows ledger information stored in the ledger D / B on the financial system for issuing a customer's own bankbook using the image produced (or requested) by the customer in the bankbook issuing system shown in FIG. As for the configuration, if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger information configuration for the customer's own account issuance using the image produced (or required) by the customer by referring to or modifying the drawing 8 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 8, the ledger information stored in the ledger D / B on the financial system is illustrated as including a predetermined customer ledger, at least one account ledger, and bank account information processed in association with each account ledger. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 8 and other various ledgers (for example, loan ledger, collateral ledger, ..., etc.) in addition to the customer ledger and the account ledger. It will be clearly understood that the additional information is included in the ledger information, whereby the present invention is not limited.

In the figure 8 according to the embodiment of the present invention, the customer ledger is a ledger that matches the customer information included in the bank account issuance application information, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, and a customer classification. , Customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, postal address , Account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender 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. It is preferable.

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

In addition, in this figure 8, the ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RV balance 2, Bank account balance, bank account number, current interest, time extension, time extension amount, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest , Account ledger information including at least one or more of the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc., including the account number, abstention (months), period (days), period corresponding to the account ledger. Periodic reception information including at least one extension, a maturity date and a target amount, or a trust number including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. New information or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, Transaction details including at least one of CIF and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the bankbook information may be included in the ledger information in the form of additional information associated with the account ledger, and the bankbook information may include a customer name and a resident registration number (or a corporate / corporate company) Registration number, etc.), bank account basic information including deposit type, new date, issue date and bankbook number, bankbook entry information including at least one transaction date, contents, withdrawal amount, deposit amount, balance, and store name, and the face of the bankbook. User design agreement information including information for confirming whether to print an image produced or requested by the customer, image content information including information about an image produced or requested by the customer, and Customer account information including the address to be delivered to the customer at the time of issuance of the bankbook and the bankbook confirming receipt of the bankbook issued to the customer It comprises a command check information for at least one are preferred.

9 is a view showing a bank account issuing process using an image produced (or requested) by a customer according to another embodiment of the present invention.

In more detail, in FIG. 9, a predetermined customer passes through a predetermined bankbook issuing interface (eg, a bankbook issuing application, a counter terminal and a financial network) in the bankbook issuing system shown in FIG. When the predetermined bankbook issuance application information is transmitted to the issuing server 700, the bankbook issuing server 700 is a process for issuing a predetermined bankbook based on the bankbook issuing application information. If one of ordinary skill in the art, by referring to or modifying the drawing 9 can be inferred from the various implementation methods for issuing the bank account for the customer's own account issuance using the image produced (or requested) by the customer The present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

For example, FIG. 9 illustrates that the bankbook is prepared and provided (or shipped) to the customer, and then the predetermined bankbook information is stored in the ledger D / B on the financial system. The process of storing the predetermined bank account information in the ledger D / B on the financial system may be performed before the bank account is produced or before the bank account is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, in this figure 9, the bankbook issuing terminal 745 shown in FIG. 7 is called "terminal" for convenience, and the bankbook issuing server 700 is called "server" for convenience.

Referring to FIG. 9, the customer who wants to issue the bankbook for the issuance of the customer's own bankbook using the image produced (or requested) by the customer includes predetermined bankbook issuance application information through a predetermined bankbook issuing interface. After filling out a predetermined bankbook issuing application, the bankbook issuing application information is provided to the server through a predetermined bankbook issuing interface (900).

Here, the passbook issuing interface preferably comprises a passbook issuance application prepared by the customer, a window terminal used by the staff of the financial institution, and a financial network connecting the window terminal and the server.

According to the method of the present invention, the bank account issuing application information is preferably made of at least one or more customer information receiving the bank account and financial account information to be associated with the bank account.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the financial system in the customer name If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

On the other hand, if predetermined bankbook issuance application information is received through the bankbook issuance interface, the server reads the received bankbook issuance application information, and checks whether the bankbook issuance can be issued to the customer (905).

Here, the account issuance validity confirmation is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

According to the method of the present invention, if the ledger D / B on the financial system is not provided with a financial account to be linked to the bank account, the server may further perform a procedure for opening a new financial account to be linked to the bank account; The present invention is not limited thereby.

If the validity to issue the bankbook to the customer is not authenticated through the bankbook issuing application information (910), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (915), Stop issuing the account to the customer.

If the validity for issuing the bankbook to the customer is authenticated through the bankbook issuing application information (910), the server generates predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. (920).

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or corporate registration number, etc., if the customer is a company / corporation), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents User design agreement information including information on whether to print an image produced by the customer (or requested) on the outside of the bankbook, the bankbook entry information including the withdrawal amount, the deposit amount, the balance and the name of the store; Image contents information including information about an image produced (or requested) by a customer, customer address information including an address to be delivered to the customer when the bankbook is issued, and a bankbook confirming receipt of the bankbook issued to the customer. It is preferable to include at least one or more receipt confirmation information.

According to an embodiment of the present invention, if the bankbook is a paper bankbook, the generated bankbook information may include a data structure printable on the paperbook template.

Thereafter, the server reads user design confirmation information included in the generated bankbook information to confirm whether or not to use an image produced (or requested) by the customer in the bankbook to be issued.

If the customer does not use the image created (or requested) for the bankbook to be issued (930), the server generates a bankbook having the bankbook information through a predetermined bankbook issuing device and provides the same to the customer. (Or delivery) and when the receipt of the bankbook issued to the customer is confirmed, the bankbook information is generated from the server through the bankbook issuing application information and the bankbook information, and the ledger D / B on the financial system is provided. Link with the ledger and save the ledger information.

When using the image produced (or requested) by the customer in the bankbook to be issued (930), the server edits the image content information to be printed on the surface of the bankbook to be issued according to the bankbook standard (940).

According to the method of the present invention, the range and specification of the outer surface of the passbook to which the edited image is to be printed can be variously inferred, such as front, back, front and back, and the present invention includes all the possible analogies. Is done.

Thereafter, the server generates a predetermined bankbook having the bankbook information and the image content through a predetermined bankbook issuing device and provides (or delivers) the bankbook to the customer (945).

According to the method of the present invention, the passbook issuing device is a predetermined printing device capable of printing the face of the passbook in color or black and white for printing not only the passbook information of the passbook face, but also an image produced (or required) by the customer. It is characterized in that it further comprises (not shown), wherein the printing device may be provided inside the bankbook issuing device, may be provided separately outside the bankbook issuing device, by which the present invention is not limited. .

According to the method of the present invention, if the passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the passbook information on the form provided in the passbook.

Thereafter, a predetermined sender (shipper) sends the issued bankbook to the customer based on the customer address information, and checks the bankbook receipt confirmation information at the sender (shipper) terminal in order to confirm receipt of the bankbook. To send. (950)

Thereafter, the server receives the bankbook receipt confirmation information from a predetermined communication means (955), and confirms whether the customer has received the bankbook based on the received bankbook receipt confirmation information.

If the customer's bankbook receipt is confirmed (965), the server activates to use the bankbook confirmed the customer receipt (970).

Thereafter, the server generates predetermined bankbook ledger information through the bankbook issuance application information and the generated bankbook information provided from the customer through a bankbook issuing interface (975), and the bankbook ledger information is stored in the ledger D / Save to B. (980)

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

According to the present invention, there is an advantage of satisfying the various needs of the customer by providing a passbook printed with the image produced (or requested) by the customer.

According to the present invention, the financial institution can provide a bankbook printed with the image produced (or requested) by the customer, thereby obtaining a brand value increase effect due to the differentiated services of the financial institution, and the customer produced (or By providing a bankbook on which the required image is printed, the financial institution does not need to design a separate, and thus, there is an advantage of cost reduction.

Claims (5)

Receiving predetermined customer information, financial account information, and predetermined image content information that has been requested to issue a predetermined bank account by the predetermined information receiving means when issuing the predetermined bank account; Generating predetermined bank account information including the customer information and financial account information in a predetermined information generating means; Storing the bankbook information and the image content information in a predetermined ledger by predetermined information storing means; Editing by the predetermined image editing means to print the image content information on the surface of the predetermined account book; And And printing and issuing the image content on a surface of the bankbook by a predetermined bankbook issuing means. The method of claim 1, And confirming, by the customer, a bankbook receipt in which the image content is printed in a predetermined bankbook receipt confirming means. A recording medium comprising a program for executing the method of claim 1. Information receiving means for receiving predetermined customer information, financial account information, and predetermined image content information requesting a predetermined bankbook issue; Information generating means for generating predetermined bankbook information including the customer information and financial account information; Information storage means for storing the bankbook information and the image content information in a predetermined ledger; Image editing means for editing the image content information to be printed on the surface of a predetermined bankbook; And Bank account issuing system using the user content, characterized in that it comprises a; account issuing means for printing and issuing the image content on the surface of the account. The method of claim 4, wherein the image content information, Passbook issuing system using the user content, characterized in that comprises the user content in the form of the image generated (or produced) by the customer.

Images