KR20100077574A - System and method for processing overseas remittance and program recording medium - Google Patents

Abstract

The present invention relates to a foreign remittance processing method and system and a program recording medium therefor, the international remittance processing method according to the present invention, the specified exchange rate information for allowing the foreign currency transfer of the customer in conjunction with the overseas remittance account information of the customer Storing the data in a storage medium, receiving the customer's overseas remittance account transaction request information, and confirming the designated exchange rate information associated with the customer's overseas remittance account information from the storage medium, and confirming the confirmed designation. Comparing the exchange rate information with the exchange rate information at the time of the overseas remittance account transaction request, and confirming that the exchange rate information at the time of the overseas remittance account transaction request conforms to the designated exchange rate information, and the exchange rate information at the time of the foreign remittance account transaction request is designated rate information. If it is matched with, the step of processing the overseas remittance corresponding to the overseas remittance account transaction request information.

Description

System and Method for Processing Overseas Remittance and Program Recording Medium}

1 is a diagram illustrating a system for opening a face-to-face overseas remittance account for overseas remittance corresponding to a designated exchange rate according to an embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to an overseas remittance account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a process of opening an overseas remittance account for an international remittance corresponding to a designated exchange rate in a face-to-face manner according to one embodiment of the present invention.

4A and 4B are diagrams illustrating a process of opening an overseas remittance account for an international remittance corresponding to a designated exchange rate in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening an overseas remittance account for an international remittance corresponding to an exchange rate designated in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a system for opening a non-face-to-face overseas remittance account for overseas remittance corresponding to a designated exchange rate according to another embodiment of the present invention.

7 is a diagram illustrating a ledger configuration corresponding to an overseas remittance account opened in a non-face-to-face manner according to an embodiment of the present invention.

8A and 8B illustrate a process of opening an overseas remittance account for an international remittance corresponding to a designated exchange rate in a non-face-to-face manner according to one embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of opening an overseas remittance account for overseas remittance corresponding to a designated exchange rate according to one embodiment of the present invention.

10 is a diagram illustrating a face-to-face information registration system for overseas remittance corresponding to a designated exchange rate according to one embodiment of the present invention.

11 is a view showing the designated exchange rate transfer information configuration stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the international transfer corresponding to the designated exchange rate in accordance with an embodiment of the present invention.

12 is a diagram illustrating a designated exchange rate transfer information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for overseas transfers corresponding to a designated exchange rate according to another embodiment of the present invention. to be.

FIG. 13 is a diagram illustrating configuration of designated exchange rate remittance information stored in a DBMS provided in a banking server in a face-to-face manner for overseas remittance corresponding to a designated exchange rate according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a process of registering designated exchange rate transfer information in a face-to-face manner according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a non-face-to-face information registration system for overseas remittance corresponding to a designated exchange rate according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a designated exchange rate transfer information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for international transfers corresponding to a designated exchange rate according to an embodiment of the present invention.

FIG. 17 illustrates a structure of designated exchange rate remittance information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for international transfers corresponding to a designated exchange rate according to another embodiment of the present invention. Drawing.

FIG. 18 is a diagram illustrating configuration of designated exchange rate transfer information stored in a DBMS provided in a banking server in a non-face-to-face manner for overseas transfer corresponding to a designated exchange rate according to another exemplary embodiment of the present invention.

FIG. 19 is a diagram illustrating a process of registering designated exchange rate remittance information in a non-face-to-face manner for overseas remittance corresponding to a designated exchange rate according to one embodiment of the present invention.

20A and 20B illustrate a process of registering designated exchange rate remittance information in a non-face-to-face manner for overseas remittance corresponding to a designated exchange rate according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a system for operating an overseas remittance account for overseas remittance processing according to a designated exchange rate according to an embodiment of the present invention.

22 is a diagram illustrating a process of processing an overseas remittance according to a designated exchange rate using an overseas remittance account according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: account opening unit 145: electronic document server

150: electronic document receiving unit 155: information generating unit

160: electronic document storage unit

2100: overseas remittance processing server 2105: interface unit

2110: information confirmation unit 2115: information receiving unit

2120: account management unit 2125: information determination unit

2130: remittance processing unit

The present invention comprises the steps of storing the specified exchange rate information for allowing the customer's foreign currency transfer in connection with the customer's overseas remittance account information to the storage medium, receiving the customer's foreign remittance account transaction request information, and storage medium Checking the designated exchange rate information associated with the overseas remittance account information of the customer from the exchange rate information at the time of the overseas remittance account transaction request by comparing the identified designated exchange rate information with the exchange rate information at the time of the overseas remittance account transaction request Including the step of checking whether the foreign currency corresponding to the designated exchange rate information and the exchange rate information at the time of the overseas remittance account transaction request processing the international remittance corresponding to the overseas remittance account transaction request information Remittance processing method.

In recent years, the number of overseas tourists has been continuously increasing, and the amount of tourism expenditure has been increasing every year.

Financial institutions are preparing a variety of financial products to generate revenue from foreign exchange customers, but the exchange rate has been declining due to the recent rise in the exchange rate. To overcome this, customers can prepare for exchange rate volatility in advance. By providing a currency exchange tool that provides the variety and convenience necessary for currency exchange, there is also a need for a product that meets customer needs.

An object of the present invention for solving the above problems is a means for processing the designated exchange rate information for allowing the customer's foreign currency transfer in connection with the overseas remittance account information of the customer and storing in a storage medium, and the foreign remittance account of the customer from the terminal When the transaction request information is received, a means for confirming designated exchange rate information associated with the overseas remittance account information of the customer from the storage medium, and comparing the identified exchange rate information and the exchange rate information at the time of the transaction request for the foreign remittance account, Check that the exchange rate information at the time of the overseas remittance account transaction request corresponds to the designated exchange rate information, and if the exchange rate information at the time of the overseas remittance account transaction request matches the designated exchange rate information, the overseas remittance corresponding to the overseas remittance account transaction request information In providing an overseas remittance processing system comprising a means for processing.

The overseas remittance processing method according to the present invention comprises the steps of: processing the designated exchange rate information allowing the foreign currency transfer of the customer in connection with the overseas remittance account information of the customer and storing in a storage medium, and the foreign remittance account transaction request information of the customer Receiving step, confirming the designated exchange rate information associated with the foreign remittance account information of the customer from the storage medium, comparing the identified exchange rate information and the exchange rate information at the time of the foreign remittance account transaction request, overseas remittance account Determining whether the exchange rate information at the time of the transaction request corresponds to the designated exchange rate information and if the exchange rate information at the time of the foreign remittance account transaction corresponds to the designated exchange rate information, processing the overseas remittance corresponding to the transaction request information of the overseas remittance account Characterized in that it comprises a step.

In addition, if the exchange rate information at the time of the overseas remittance account transaction request does not meet the designated exchange rate information, characterized in that it comprises the step of waiting for the overseas remittance corresponding to the overseas remittance account transaction request information.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-mentioned overseas remittance processing method.

The overseas remittance processing system according to the present invention includes means for processing the designated exchange rate information for allowing foreign currency remittance of a customer in connection with the overseas remittance account information of the customer and storing the information in a storage medium, and requesting a foreign remittance account transaction of the customer from a terminal. When the information is received, means for confirming the designated exchange rate information associated with the overseas remittance account information of the customer from the storage medium, and compares the confirmed exchange rate information and the exchange rate information at the time of the overseas remittance account transaction request, the international remittance If the exchange rate information at the time of the account transaction request matches the designated exchange rate information, and if the exchange rate information at the time of the overseas remittance account transaction request matches the designated exchange rate information, the overseas remittance corresponding to the overseas remittance account transaction request information is processed. Characterized in that it comprises a means for.

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

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

In addition, the following examples will be used to appropriately modify, 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. It may be an association of at least two or more functional components provided in the server (or terminal). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating a system for opening a face-to-face overseas remittance account for overseas remittance corresponding to a designated exchange rate according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer fills out an application for opening an overseas remittance account including at least one piece of predetermined customer information and overseas remittance account property setting information and submits it to a window provided at a predetermined financial institution. An institution is a system for opening an overseas remittance account for an overseas remittance corresponding to a designated exchange rate in a face-to-face manner based on the application for opening an overseas remittance account. Specifically, the customer prepares an application for opening an overseas remittance account. And submit to the counter, the customer information and the overseas remittance corresponding to the application for opening the overseas remittance account in connection with the bank terminal 100 provided on the predetermined window terminal and the overseas remittance account opening system provided at the window. Please refer to the information on the application for opening a remittance account that includes at least one set of account attribute information. In contrast, the present invention relates to a method of opening a predetermined overseas remittance account for overseas remittance corresponding to the designated exchange rate.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for the system of opening the overseas remittance account for overseas remittance corresponding to the designated exchange rate. As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

For example, FIG. 1 includes generating an electronic document for applying for opening an overseas remittance account and storing the electronic document in an electronic document repository in the process of opening the overseas remittance account, and has a general knowledge in the technical field to which the present invention belongs. If the reference to and / or the modification of the present invention, the electronic document storage application electronic document can be omitted in the electronic document storage, and the technical features of the present invention is not limited to the implementation method shown in FIG. No.

Hereinafter, at least one or more foreign remittance account opening application prepared by the customer and corresponding customer information and overseas remittance account property setting information on the overseas remittance account opening system shown in FIG. 1 through a predetermined overseas remittance account opening interface. Based on the information on the application for opening an overseas remittance account, the component corresponding to at least one or more means and / or functional configurations for opening the overseas remittance account for overseas remittance corresponding to the designated exchange rate is referred to as "financial company server 100". "

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate includes a terminal including a teller terminal provided at at least one financial institution branch (or branch). It characterized in that it comprises a device, the terminal device is connected to the communication channel and the financial institution server 100 provided on the overseas remittance account opening system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and opens the predetermined overseas remittance account through a window (or a cashier) provided at the financial institution branch branch (branch branch). Fill out an application (e.g., a document with a form for filling in the at least one item of information), wherein the customer stamps the customer's seal for legal basis on the application for opening the remittance account. It is preferable.

Subsequently, when the customer submits the completed overseas remittance account opening application to the teller, the teller scans the foreign remittance account opening application through a predetermined image acquisition device to obtain predetermined image contents, and then selects a predetermined window. Input the application information for opening an overseas remittance account including at least one image content obtained in response to the application for opening an overseas remittance account, at least one of customer information written in the application for opening the remittance account and the property setting information for the overseas remittance account through a terminal ( Alternatively, the counter terminal may transmit the image content and the application information for opening an overseas remittance account to the financial company server 100 provided on the overseas remittance account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the overseas remittance account opening system as described above, an image acquisition device for acquiring image content corresponding to the application for opening an overseas remittance account created by the customer, a teller terminal used by the employee, the teller terminal and the financial company server 100 The financial network connecting a) performs a function of an overseas remittance account opening interface for the customer to register the application for opening the overseas remittance account.

The financial company server 100 provided on the overseas remittance account opening system according to the present invention is a generic term for the components of the overseas remittance account opening system connected to the terminal device through a predetermined financial network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the financial institution server 100 may be a ledger server provided on a finance system connected to the teller terminal through a predetermined financial network. And / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

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

Referring to FIG. 1, when a predetermined terminal device connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial company server 100 includes a predetermined terminal device provided in the terminal device. Obtain an image content corresponding to the overseas remittance account opening application prepared by the customer through an image acquisition device, and input (or select) the overseas remittance account opening application information corresponding to the overseas remittance account opening application to the financial institution server 100 Interface providing unit 110 for generating (or extracting) at least one user interface for transmitting to the terminal device and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 105; A new overseas remittance account opening corresponding to the overseas remittance account opening application through the user interface at the terminal device When the information is input (or selected) and transmitted, an information receiving unit 115 for receiving the request for opening the overseas remittance account transmitted from the terminal device in connection with the interface unit 105 and the user interface at the terminal device. When the image content corresponding to the overseas remittance account opening application prepared by the customer is obtained and transmitted through a predetermined image acquisition device, the image content corresponding to the overseas remittance account opening application is linked to the interface unit 105. Characterized in that it comprises an image receiving unit 120 for receiving.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then requests the user interface from the financial institution server 100. Obtain image contents corresponding to the application for opening an overseas remittance account prepared by the customer through a predetermined image acquisition device provided in the terminal device, and input application information for opening an overseas remittance account corresponding to the application for opening an overseas remittance account (or Select at least one user interface to be transmitted to the financial institution server 100 through the financial network, and / or extract it from a predetermined database (not shown), and in conjunction with the interface unit 105 And providing the generated (or extracted) user interface to the terminal device through the financial network. The.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the overseas remittance account opening application prepared by the customer through a predetermined image acquisition device, and opens an overseas remittance account corresponding to the overseas remittance account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. Acquire image content corresponding to the overseas remittance account opening application created by the customer through the input, or input (or select) the overseas remittance account opening application information corresponding to the overseas remittance account opening application to the financial institution server 100 The terminal device is generated (or extracted) for transmission. The interface providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) an overseas remittance account opening application information including at least one or more of the customer information and the overseas remittance account setting information through the user interface, and the input (or selected) remittance abroad. Account opening application information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 opens the overseas remittance account transmitted from the terminal device in connection with the interface unit 105. Receive application information.

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. At least the extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument. It is preferable to include one or more.

In addition, the terminal device obtains the image content corresponding to the application for opening an overseas remittance account created by the customer through a predetermined image acquisition device based on the user interface, and the acquired financial information through the financial network The image receiving unit 120 in response thereto receives the image content corresponding to the application for opening an overseas bank account in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the application for opening an overseas remittance account created by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the application for opening an overseas remittance account created by the customer from the at least one or more image contents previously stored in the storage device through the user interface. Through the transmission to the financial institution server 100, in response thereto, the image receiving unit 120 is preferably connected to the interface unit 105 to receive the image content corresponding to the application for opening the overseas remittance account.

According to another embodiment of the present invention, the terminal device through the user interface through the user interface image content corresponding to the application for opening the foreign bank account opening and the application for opening the foreign money transfer account corresponding to the foreign bank account opening application When transmitting together, the information receiving unit 115 may be connected with the interface unit 105 to receive the image content corresponding to the overseas remittance account opening application and the overseas remittance account opening application information (for example, the image The receiver 120 is integrated into the information receiver 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, if the financial institution server 100 receives the request for opening the overseas remittance account from the terminal device through the information receiver 115, the received information for opening the remittance of the remittance account is designated. Characterized in that it comprises a validity authentication unit for confirming whether the validity for the international remittance corresponding to the exchange rate.

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched to the application for opening the remittance account for foreign remittance accounts in the ledger D / B on the financial system linked to the overseas remittance account opening system. It is preferable to include checking whether the above ledger information is registered.

For example, the validity confirmation of the application information for opening an overseas remittance account may include: a financial system in which the customer information (customer personal information, member information, etc.) included in the application for opening an overseas remittance account is linked to the overseas remittance account opening system; It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device through the image receiving unit 120, and requests for opening the overseas remittance account through the validity checking unit 125. When the validity of the authentication is authenticated, the electronic document generation unit 130 for generating a predetermined foreign remittance account opening request electronic document including the received image content and the overseas remittance account opening request electronic document generated the international remittance And an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the account opening system.

The electronic document generation unit 130 generates an electronic money transfer account opening application electronic document including the image content received from the terminal device through the image receiving unit 120.

According to an embodiment of the present invention, the electronic document generating unit 130 is an image file containing the image content received from the terminal device through the image receiving unit 120 as it is the electronic money transfer application electronic document open as it is It is preferable to treat with.

Alternatively, the electronic document generator 130 may include customer information included in the application information for opening a remittance account received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. And generating the electronic money transfer application electronic document from the image file corresponding to the image content including at least one or more information of the foreign money transfer account attribute setting information by a watermarking method.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 120. Format file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to generate.

Alternatively, the electronic document generator 130 may include customer information included in the application information for opening a remittance account received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. And generating at least one image content including at least one information of the remittance account property setting information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) to generate the electronic money transfer application electronic document. It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content received from the terminal device through the image receiving unit 120 and the overseas remittance received through the information receiving unit 115. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the account opening request information, or an MHT By generating a web document file).

Alternatively, the electronic document generation unit 130 includes customer information included in the application information for opening a foreign bank account received through the information receiving unit 115 in the image content received from the terminal device through the image receiving unit 120. And an image content including at least one or more information of the foreign remittance account property setting information by a watermarking method, and a predetermined document file including the generated image content and the application information for opening the overseas remittance account (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an account opening request electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features of generating an electronic document for the application of opening an overseas remittance account in the image file format and / or a predetermined document file format, Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic remittance application request electronic document opening, the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the electronic document opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the overseas remittance account opening system. It features.

As shown in FIG. 1, the electronic document repository stores the electronic document D / B and the predetermined electronic document server 145 linked with the financial institution server 100 on the overseas remittance account opening system through predetermined communication means. Including the externally provided, the electronic document transmission unit 135 is the electronic document server 145 through the communication means for the application for opening the foreign bank account created by the electronic document generation unit 130 It characterized in that the transmission to.

Herein, when the electronic document server 145 and the electronic document D / B are provided outside the overseas remittance account opening system, the electronic document server 145 and the electronic document D / B are managed by an authorized institution. It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas remittance account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the electronic remittance application electronic document to the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the foreign remittance account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, the customer information, and / or the electronic device) for generating predetermined electronic document management information in the electronic document server 145. Financial institution information, and / or electronic document file format information, and / or application information for opening an overseas remittance account; The present invention is not limited thereby.

Referring to FIG. 1, when the validity of the overseas remittance account opening request information received through the information receiving unit 115 is authenticated through the validity checking unit 125, the financial institution server 100 is authenticated. On the basis of the customer information and the overseas remittance account attribute setting information included in the application for opening an overseas remittance account, the account opening unit 140 for opening an overseas remittance account for the customer's name including the overseas remittance account attribute setting information is provided. Characterized in that made.

When the validity of the overseas remittance account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 includes customer information included in the foreign remittance account opening application information in connection with the financial system. Generate a customer ledger (or identify a customer ledger that is matched with the customer information), and generate predetermined account ledger information including the overseas remittance account attribute included in the application for opening a remittance account; Thereafter, by storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the application information for opening the overseas remittance account, an overseas remittance account for overseas remittance corresponding to the designated exchange rate is opened. do.

Referring to FIG. 1, an electronic document server receives a request for opening a foreign remittance account opening electronic document from the financial institution server 100 provided on the overseas remittance account opening system and stores and manages the electronic document in a predetermined electronic document D / B. The electronic document receiving unit 150 for receiving a predetermined overseas remittance account opening application electronic document from the financial institution server 100 through a predetermined communication means, and the received overseas remittance account opening application electronic document. An information generation unit 155 for generating predetermined electronic document management information for storage and management in an electronic document D / B, and the electronic document management information and the electronic document opening application electronic document by linking and processing a predetermined electronic document It is characterized in that it comprises an electronic document storage unit 160 for storing in the D / B.

The electronic document receiving unit 150 may receive an application for opening an overseas remittance account in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving application electronic document receiving unit 150 through the communication means to open the electronic document includes the image content received by the financial institution server 100 from the terminal device It is preferable to include an image file as it is.

Alternatively, the electronic document receiving unit 150 receives the overseas remittance account opening request received through the communication means the electronic document is the financial institution server 100 in the image content received from the terminal device to the foreign remittance account opening request information It is preferable to include an image file corresponding to the image content including at least one or more information of the included customer information and the foreign remittance account property setting information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document receiving application electronic document receiving unit 150 receives through the communication means, the electronic document opening the electronic document includes the image content received by the financial institution server 100 from the terminal device. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the electronic document receiving unit 150 receives the overseas remittance account opening request through the communication means electronic document is included in the information to the foreign bank account opening request information to the financial institution server 100 received from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more information of the registered customer information and the foreign remittance account attribute setting information by a watermarking method. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 150 receives an electronic money transfer account opening request electronic document through the communication means and the image content received by the financial company server 100 from the terminal device; A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, a HWP / DOC, etc.) including at least one document file including the application information for opening the overseas remittance account, or Web document file including MHT).

Alternatively, the electronic document receiving unit 150 receives the overseas remittance account opening request through the communication means electronic document is included in the information to the foreign bank account opening request information to the financial institution server 100 received from the terminal device. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more information of the registered customer information and the overseas remittance account property setting information by a watermarking method and the application information for opening the overseas remittance account. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the foreign bank account opening request electronic document received through the electronic document receiving unit 150, and the electronic document receiving unit 150 Generating electronic document management information including electronic document archiving date and time information including a date and time (or a date and time at which the foreign remittance account opening request electronic document was stored) when the electronic money account opening request electronic document was received. It features.

According to an exemplary embodiment of the present invention, the information generation unit 155 refers to the financial institution server 100 that has transmitted the application for opening an overseas remittance account received through the electronic document receiving unit 150. It is preferable to confirm the financial institution that sent the account opening request electronic document, and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 150 further receives a predetermined electronic document related information from the financial institution server 100, the information generating unit 155 is the received electronic Document-related information (e.g., financial institution information for transmitting the customer information and / or the electronic remittance application for opening the overseas remittance account, and / or electronic document file format information, and / or the application for opening the remittance account for the overseas remittance account, etc.); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 160 processes the electronic document management information generated through the information generation unit 155 and the electronic document management request electronic document opening request received through the electronic document receiving unit 150 in a predetermined electronic manner. It is characterized by storing in the document D / B.

According to an exemplary embodiment of the present invention, the electronic document storage unit 160 stores an electronic money transfer application opening electronic document stored in the electronic document D / B, and the image content received by the financial institution server 100 from the terminal device. It is preferable that the image file including the same as it is made.

Alternatively, the electronic document storage application 160, the application for opening an overseas remittance account stored in the electronic document D / B electronic document is the financial institution server 100 opens the overseas remittance account in the image content received from the terminal device It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information included in the application information and the foreign remittance account attribute setting information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document storage application 160, the electronic document storage application stored in the electronic document D / B, the electronic document opening request electronic document is the image received by the financial institution server 100 from the terminal device A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, an application for opening an overseas remittance account that the electronic document storage unit 160 stores in the electronic document D / B is an electronic document requesting to open the overseas remittance account to the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) containing image content including at least one or more information of customer information and overseas remittance account property setting information included in the information by a watermarking method. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, an application for opening an overseas remittance account stored in the electronic document D / B by the electronic document storage unit 160 is received by the financial institution server 100 from the terminal device. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including image contents and application information for opening an overseas remittance account. File, or a web document file including MHT).

Alternatively, an application for opening an overseas remittance account that the electronic document storage unit 160 stores in the electronic document D / B is an electronic document requesting to open the overseas remittance account to the image content received by the financial institution server 100 from the terminal device. Image content including at least one or more of the customer information included in the information and the foreign remittance account property setting information by a watermarking method and a predetermined document file including the application information for opening the overseas remittance account (eg, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to the implementation method of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 160 is processed in connection with the electronic remittance account open request electronic document, the foreign remittance account opening request Preferably, a predetermined electronic document unique number (or unique information) assigned to the electronic document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 160 and the electronic document storage request application electronic document is opened, the overseas money transfer account is opened. It is preferable that the financial institution server 100 that has transmitted the application electronic document preferably further includes information on the financial institution that has transmitted the application for opening the overseas remittance account.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 160 processes the connection with the electronic document opening application electronic document. The electronic document management information stored in the electronic document D / B may include the received electronic document related information (eg, the customer information, and / or financial institution information transmitting the electronic money transfer application opening document, and / or And electronic document file format information, and / or application information for opening an overseas remittance account.

2 is a view showing a ledger configuration corresponding to an overseas remittance account opened in a face-to-face manner in accordance with an embodiment of the present invention.

In more detail, FIG. 2 shows an account ledger corresponding to the overseas remittance account opened through the overseas remittance account opening system shown in FIG. 1 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As illustrated in FIG. 2, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for a ledger configuration corresponding to the overseas remittance account. It should be noted that the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. In addition to the customer ledger and account ledger shown in Figure 2, the ledger D / B includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional ledger for maintaining and managing the ledgers. It will be appreciated that more information is included and that you will be familiar with the specific technical details, It is omitted for convenience.

The customer ledger includes customer information included in the application information for opening an overseas remittance account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification. Code, phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, social security number, company address, company phone number, mailing address, account number, president, business type, court Agent, first trade date, TRW, DB, usage, parent company number. At least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the overseas remittance account opened in response to the application for opening the overseas remittance account, and is linked to the customer ledger in a relational manner. Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, and face value corresponding to the ledger. , Trust receipt information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. No.), compound transaction, date of payment, bank account line, summary, and transaction details including at least one of the CIF.

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

3A and 3B illustrate a process of opening an overseas remittance account for an overseas remittance corresponding to a designated exchange rate in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal device in which a terminal device on an overseas remittance account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 includes a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the teller terminal through the foreign bank, an application for opening an overseas remittance account including at least one of predetermined customer information and overseas remittance account attribute setting information And submit to a window provided at a predetermined financial institution, the financial institution opens the overseas remittance account for the international remittance corresponding to the exchange rate specified in a face-to-face manner based on the application for opening the overseas remittance account. Specifically, when the customer fills out the application form for opening the overseas remittance account and submits it to the window, the window The terminal acquires a predetermined image content corresponding to the overseas remittance account opening application through a predetermined image acquisition device and transmits it to the financial institution server 100, and then opens an overseas remittance account corresponding to the overseas remittance account opening application. Input (or select) application information and transmit it to the financial institution server 100, and in response, the financial institution server 100 requests to open an overseas remittance account including at least one of the customer information and the foreign remittance account attribute setting information. The present invention relates to a method of opening a predetermined overseas remittance account for overseas remittance corresponding to the designated exchange rate based on the information.

Those skilled in the art to which the present invention pertains, refer to and / or modify the drawings 3a and 3b to provide a variety of application information for opening the foreign remittance account opening from the teller terminal to the financial company server 100 Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 3A and 3B.

For example, although the implementation method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas remittance account and storing the electronic document in an electronic document storage, the process is not intended for the skilled person. As such, the present invention is not limited thereto.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information and the overseas remittance account attribute setting information transmitted to the financial institution server 100 are referred to as "overseas remittance account opening application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer fills out and submits an application for opening an overseas remittance account including at least one of customer information and information on setting an overseas remittance account attribute, the window terminal shown in FIG. When a user interface corresponding to the application for opening an overseas remittance account is requested (300) while the predetermined communication channel is connected to the server through a financial network, the server correspondingly acquires a predetermined image acquisition device in the terminal. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the overseas remittance account opening application prepared by the customer through the server (305), and generate (or extract) through the financial network. In operation 310, the user interface is transmitted to the terminal.

Thereafter, the terminal acquires image content corresponding to the application for opening an overseas remittance account through a predetermined image acquisition device based on the user interface (315).

If image content corresponding to the application for opening an overseas remittance account is acquired through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (325).

Thereafter, the server inputs (or selects) an overseas remittance account opening application information including at least one of customer information corresponding to the overseas remittance account opening application matched with the image content and the overseas remittance account property setting information to the server. A user interface for transmission is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (335).

Thereafter, the terminal inputs (or selects) an application for opening an overseas remittance account including at least one of the customer information and the overseas remittance account property setting information through the user interface (340).

If application information for opening a remittance account including at least one of the customer information and the remittance account setting information is input (or selected) through the user interface (345), the terminal transmits to the server through the financial network. The input (or selection) of the foreign remittance account opening application information is transmitted (350).

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system linked to the overseas remittance opening system corresponding to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. At least the extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument. It is preferable to include one or more.

Thereafter, the server receives and reads the foreign remittance account opening application information including at least one of the customer information and the overseas remittance account property setting information through the financial network to confirm the validity of the application for opening the international remittance account. (355).

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched with the application for opening the remittance account for foreign remittance account in the ledger D / B on the financial system linked to the foreign remittance account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the application information for opening the overseas remittance account may include: the customer information (customer information, member information, etc.) included in the overseas remittance account opening request information associated with the overseas remittance account opening system; It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

If the validity of the overseas remittance account opening application information is not authenticated (360), the server generates a predetermined overseas remittance account opening error information and transmits it to the terminal (365). Do not follow the procedures for opening a corresponding overseas remittance account.

On the other hand, if the validity of the overseas remittance account opening application information is verified (360), the server generates a predetermined foreign remittance account opening application electronic document including the image content (370).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as the electronic money transfer account opening electronic document.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. It is preferable to generate the application for opening an overseas bank transfer account image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the electronic remittance request electronic document.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. Generating at least one image content including at least one predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content; By generating a word processor file or a web document file including MHT), it is preferable to generate the electronic money transfer application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received application information for opening an overseas remittance account. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) to generate the electronic money transfer application electronic document. It is preferable.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the generated image content and the application information for opening the remittance account; By generating a word processor file including at least one or more DOC, or a web document file including the MHT), it is preferable to generate the electronic remittance request application document.

If one of ordinary skill in the art of the present invention belongs to the technical feature that the server generates an electronic document for the application of opening an overseas remittance account in the image file format and / or a predetermined document file format, and the application for opening the overseas remittance account Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server 145 and an electronic document D / B linked with a server on the overseas remittance account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated electronic money transfer account opening electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance account opening system, the server sends the generated electronic money transfer application electronic document to the DBMS provided in the overseas remittance account opening system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the foreign remittance account opening application electronic document in the electronic document storage, by connecting the generated overseas remittance account opening application electronic document and predetermined electronic document management information as shown in FIG. It is preferable to include storing in the electronic document D / B shown in the.

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the overseas remittance account opening application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the electronic document for the application for opening the overseas remittance account.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the financial institution information for transmitting the customer information, and / or the electronic transfer document opening application, and / or electronic document file format information, and / Or application information for opening an overseas remittance account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (380), the server sends the predetermined account ledger information corresponding to the foreign money transfer account opening application information for the international money transfer corresponding to the specified exchange rate; Generate (385), establish an overseas remittance account of the customer's name including the account ledger information in association with the financial system (390), and generate (or extract) predetermined foreign remittance account establishment history information; Transmission to the terminal (395).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening an overseas remittance account in association with the financial system (or matches a customer ledger provided with the customer information. Confirming), by generating predetermined account ledger information including the property of the overseas remittance account included in the application for opening an overseas remittance account, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In addition, it is preferable to open an overseas remittance account for overseas remittance corresponding to the designated exchange rate in response to the application information for opening the remittance account.

4A and 4B illustrate a process of opening an overseas remittance account for overseas remittance corresponding to an exchange rate designated in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal device in which a terminal device on an overseas remittance account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 includes a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the teller terminal through the foreign bank, an application for opening an overseas remittance account including at least one of predetermined customer information and overseas remittance account attribute setting information And submit to a window provided at a predetermined financial institution, the financial institution opens the overseas remittance account for the international remittance corresponding to the exchange rate specified in a face-to-face manner based on the application for opening the overseas remittance account. Specifically, when the customer fills out the application form for opening the overseas remittance account and submits it to the counter, At the terminal, input (or select) an overseas remittance account opening application information corresponding to the overseas remittance account opening application, and transmit the information to the financial institution server 100, and then, through the predetermined image acquisition device, Acquire a predetermined image content and transmit it to the financial institution server 100, and in response, the financial institution server 100 requests to open an overseas remittance account including at least one of the customer information and the foreign remittance account attribute setting information. The present invention relates to a method of opening a predetermined overseas remittance account for overseas remittance corresponding to the designated exchange rate based on the information.

Those skilled in the art to which the present invention pertains, refer to and / or modify the drawings 4a and 4b to provide a variety of information for applying for opening the foreign remittance account opening information from the window terminal to the financial company server 100 Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 4A and 4B.

For example, although the implementation method shown in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas remittance account and storing the electronic document in an electronic document repository, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

In the following Figures 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information and the overseas remittance account attribute setting information transmitted to the financial institution server 100 are referred to as "overseas remittance account opening application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits an application for opening an overseas remittance account including at least one of customer information and information on setting an overseas remittance account attribute, the window terminal shown in FIG. When a user interface corresponding to the application for opening an overseas remittance account is requested (400) while the predetermined communication channel is connected to the server through a financial network, the server opens an overseas remittance account prepared by the customer. Generate (or extract) a user interface for inputting (or selecting) an application for opening an overseas remittance account including at least one of customer information corresponding to the application and at least one foreign remittance account attribute setting information (S405). In operation 410, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal inputs (or selects) foreign remittance account opening application information including at least one of the customer information and the foreign remittance account property setting information through the user interface (415).

If the application information for opening a remittance account including at least one of the customer information and the remittance account setting information is input (or selected) through the user interface (420), the terminal transmits to the server through the financial network. The input (or selection) of the foreign remittance account opening application information is transmitted (425).

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. At least the extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument. It is preferable to include one or more.

Thereafter, the server receives and reads the foreign remittance account opening application information including at least one of the customer information and the overseas remittance account property setting information through the financial network to confirm the validity of the application for opening the international remittance account. (430).

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched with the application for opening the remittance account for foreign remittance account in the ledger D / B on the financial system linked to the foreign remittance account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the application information for opening an overseas remittance account may include: a financial system in which the customer information (customer personal information, member information, etc.) included in the application for opening an overseas remittance account is linked to the overseas remittance account opening system; It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

If the validity of the overseas remittance account opening application information is not authenticated (435), the server generates a predetermined foreign remittance account opening error information and transmits it to the terminal (440), the foreign remittance account opening application information Do not follow the procedures for opening a corresponding overseas remittance account.

On the other hand, if the validity of the overseas remittance account opening application information is authenticated (435), the server acquires predetermined image contents corresponding to the overseas remittance account opening application written by the customer through a predetermined image acquisition device in the terminal. By generating (or extracting) a user interface for transmission to the server (445), and transmits the generated (or extracted) user interface to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the application for opening an overseas remittance account through a predetermined image acquisition device based on the user interface (455).

If image content corresponding to the overseas remittance account opening application is obtained through the image acquisition device (460), the terminal transmits the acquired image content to the server through the financial network (465).

The server, which has received the request information for opening a remittance account and image content from the terminal, generates a predetermined electronic remittance account request electronic document including the image content (470).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as the electronic money transfer account opening electronic document.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. It is preferable to generate the application for opening an overseas bank transfer account image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the electronic remittance request electronic document.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. Generating at least one image content including at least one predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content; By generating a word processor file or a web document file including MHT), it is preferable to generate the electronic money transfer application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received application information for opening an overseas remittance account. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) to generate the electronic money transfer application electronic document. It is preferable.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the generated image content and the application information for opening the remittance account; By generating a word processor file including at least one or more DOC, or a web document file including the MHT), it is preferable to generate the electronic remittance request application document.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an application for opening an overseas remittance account in the image file format and / or a predetermined document file format, and the opening of the overseas remittance account The technical features of the file format of the image file and / or the document file corresponding to the application electronic document will be familiar, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server 145 and an electronic document D / B linked with a server on the overseas remittance account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated electronic money transfer account opening electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance account opening system, the server sends the generated electronic money transfer application electronic document to the DBMS provided in the overseas remittance account opening system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the foreign remittance account opening application electronic document in the electronic document storage, by connecting the generated overseas remittance account opening application electronic document and predetermined electronic document management information as shown in FIG. It is preferable to include storing in the electronic document D / B shown in the.

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the overseas remittance account opening application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the electronic document for the application for opening the overseas remittance account.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the financial institution information for transmitting the customer information, and / or the electronic transfer document opening application, and / or electronic document file format information, and / Or application information for opening an overseas remittance account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (480), the server sends the predetermined account ledger information corresponding to the foreign money transfer account opening application information for the international money transfer corresponding to the specified exchange rate; Generate (485), establish an overseas remittance account under the customer's name including the account ledger information in association with the financial system (490), and generate (or extract) predetermined foreign remittance account establishment history information; Transmission to the terminal (495).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening an overseas remittance account in association with the financial system (or matches a customer ledger provided with the customer information. Confirming), by generating predetermined account ledger information including the property of the overseas remittance account included in the application for opening an overseas remittance account, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In addition, it is preferable to open an overseas remittance account for overseas remittance corresponding to the designated exchange rate in response to the application information for opening the remittance account.

5A and 5B illustrate a process of opening an overseas remittance account for overseas remittance corresponding to an exchange rate designated in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device on an overseas remittance account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the foreign bank, the application for opening a remittance account for an overseas remittance account including at least one predetermined customer information and overseas remittance account property setting information And submit to a window provided at a predetermined financial institution, the financial institution opens the overseas remittance account for the international remittance corresponding to the exchange rate specified in a face-to-face manner based on the application for opening the overseas remittance account. Specifically, when the customer completes the application for opening the overseas remittance account and submits it to the counter, The terminal acquires predetermined image contents corresponding to the overseas remittance account opening application through a predetermined image acquisition device, and inputs (or selects) the foreign remittance account opening application information corresponding to the overseas remittance account opening application. When the image paper contents and the overseas remittance account establishment application information are transmitted to the financial institution server 100, the financial institution server 100 includes the at least one overseas remittance account including at least one of the customer information and the foreign remittance account attribute setting information. The present invention relates to a method of opening a predetermined overseas remittance account for overseas remittance corresponding to the designated exchange rate based on the application information.

Those skilled in the art to which the present invention pertains, various reference to the present invention 5a and 5b and / or modified to provide the application information for opening the foreign remittance account opening from the teller terminal to the financial company server 100 Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas remittance account and storing the electronic document in an electronic document repository, the process is intended to be used by those skilled in the art. As such, the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information and the overseas remittance account attribute setting information transmitted to the financial institution server 100 are referred to as "overseas remittance account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits an application for opening an overseas remittance account including at least one of customer information and information on setting up an overseas remittance account attribute, the window terminal shown in FIG. When a user interface corresponding to the overseas remittance account opening application request is requested (500) while the predetermined communication channel is connected to the server through a financial network, the server responds to the foreign country created by the customer in the terminal. Input (or select) an overseas remittance account opening application information corresponding to a remittance account opening application, and acquire a predetermined image content corresponding to the overseas remittance account opening application through a predetermined image acquisition device and transmit it to the server; Create (or extract) a user interface (505) and generate (or extract) the user through the financial network; And outputs to send the user interface to the mobile station 510. The

Thereafter, the terminal inputs (or selects) foreign remittance account opening application information including at least one of the customer information and the foreign remittance account property setting information through the user interface (515).

If the application information for opening a remittance account including at least one of the customer information and the remittance account setting information is input (or selected) through the user interface (520), the terminal determines a predetermined value based on the user interface. An image content corresponding to the overseas remittance account opening application is obtained through the image acquisition device (525).

If the image content corresponding to the overseas remittance account opening application is obtained through the image acquisition device (530), the terminal transmits the foreign remittance account opening application information and the image content to the server through the financial network ( 535).

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. At least the extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument. It is preferable to include one or more.

Thereafter, the server receives and reads the foreign remittance account opening application information including at least one of the customer information and the overseas remittance account property setting information through the financial network to confirm the validity of the application for opening the international remittance account. (540).

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched with the application for opening the remittance account for foreign remittance account in the ledger D / B on the financial system linked to the foreign remittance account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the application information for opening an overseas remittance account may include: the customer information (customer information, membership information, etc.) included in the application for opening an overseas remittance account is linked to the overseas remittance account opening system. It is preferable to include checking whether the matching with the customer ledger stored in the ledger D / B on the system.

If the validity of the overseas remittance account opening application information is not authenticated (545), the server generates a predetermined foreign remittance account opening error information and transmits it to the terminal (550), and the application for opening the overseas remittance account opening information. Do not perform the procedure for opening a new overseas remittance account.

On the other hand, if the validity of the overseas remittance account opening application information is authenticated (545), the server generates a predetermined foreign remittance account opening application electronic document containing the image content (555).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as the electronic money transfer account opening electronic document.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. It is preferable to generate the application for opening an overseas bank transfer account image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the electronic remittance request electronic document.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. Generating at least one image content including at least one predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content; By generating a word processor file or a web document file including MHT), it is preferable to generate the electronic money transfer application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the terminal device and the received application information for opening a remittance account. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the electronic money transfer application electronic document. It is desirable to.

Alternatively, the server may include at least one of customer information included in the received overseas remittance account opening application information and overseas remittance account attribute setting information in the image content received from the terminal device in a watermarking manner. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the generated image content and the application information for opening the remittance account; By generating a word processor file including at least one or more DOC, or a web document file including the MHT), it is preferable to generate the electronic remittance request application document.

If one of ordinary skill in the art of the present invention belongs to the technical feature that the server generates an electronic document for the application of opening an overseas remittance account in the image file format and / or a predetermined document file format, and the application for opening the overseas remittance account Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server 145 and an electronic document D / B linked with a server on the overseas remittance account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated electronic money transfer account opening electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance account opening system, the server sends the generated electronic money transfer application electronic document to the DBMS provided in the overseas remittance account opening system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the foreign remittance account opening application electronic document in the electronic document storage, by connecting the generated overseas remittance account opening application electronic document and predetermined electronic document management information as shown in FIG. It is preferable to include storing in the electronic document D / B shown in the.

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the overseas remittance account opening application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the electronic document for the application for opening the overseas remittance account.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the financial institution information for transmitting the customer information, and / or the electronic transfer document opening application, and / or electronic document file format information, and / Or application information for opening an overseas remittance account, etc.).

If the electronic document opening application electronic document is stored in the electronic document storage (565), the server receives the predetermined account ledger information corresponding to the foreign money transfer account opening application information for the international money transfer corresponding to the specified exchange rate; Generate (570), establish an overseas remittance account of the customer's name including the account ledger information in association with the financial system (575), and generate (or extract) predetermined overseas remittance account establishment history information; The transmission to the terminal (580).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening an overseas remittance account in connection with the financial system (or a customer ledger provided by matching with the customer information. And generate predetermined account ledger information including the property of the overseas remittance account included in the application for opening an overseas remittance account, and store the account ledger information in a predetermined account ledger associated with the customer ledger. Therefore, it is preferable to open an overseas remittance account for overseas remittance corresponding to the designated exchange rate in response to the application information for opening an overseas remittance account.

6 is a diagram illustrating a system for opening a non-face-to-face overseas remittance account for overseas remittance corresponding to a designated exchange rate according to another embodiment of the present invention.

In more detail, FIG. 6 shows that when a predetermined customer provides an application for opening an overseas remittance account including at least one predetermined customer information and overseas remittance account property setting information through a non-face-to-face overseas remittance account opening interface to the financial institution. And a system for establishing an overseas remittance account for an overseas remittance corresponding to the designated exchange rate based on the application information for opening the overseas remittance account at the financial institution, and specifically, the overseas remittance by the customer through a non-facing channel. When the foreign bank account opening application information is provided to the account opening system, the customer information corresponding to the foreign bank account opening application is set through the financial company server 600 provided on the foreign bank account opening system and the property setting for the international bank account is set. Application for opening an overseas remittance account that includes at least one piece of information The present invention relates to a method of opening a predetermined overseas remittance account for overseas remittance corresponding to the designated exchange rate.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 6 to infer various implementation methods for constructing the system for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, FIG. 6 includes generating an electronic document for applying for opening an overseas remittance account and storing the electronic document in an electronic document repository in the process of opening the overseas remittance account, and has a general knowledge in the technical field to which the present invention belongs. If the reference to and / or the modification of the present invention can be omitted, the electronic document storage application electronic document storage in the electronic document storage can be omitted, and the technical features of the present invention is not limited to the implementation method shown in FIG. No.

Hereinafter, on the overseas remittance account opening system shown in FIG. 6, an application for opening an overseas remittance account including at least one of the customer information and overseas remittance account attribute setting information is provided from the customer through a predetermined overseas remittance account opening interface. The components corresponding to at least one or more means and / or functional configurations of opening the overseas remittance account for overseas remittance corresponding to the designated exchange rate are referred to as " financial company server 600 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, an overseas remittance account opening system for overseas remittance corresponding to the designated exchange rate includes a terminal device including at least one wired terminal and / or a wireless terminal used by a customer. The terminal device is connected to the financial company server 600 provided on the overseas remittance account opening system through a predetermined network means is connected to the communication channel.

According to one embodiment of the present invention, the customer connects to the financial institution server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial institution server 600 inputs (or selects) the overseas remittance account opening application information through at least one user interface provided by the financial institution server 600, the client terminal is provided on the overseas remittance account opening system through a predetermined network means. It is preferable to transmit to the financial institution server 600.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a notebook connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (e.g., a refrigerator, a set-top box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to the mobile communication network of the Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It comprises a wireless LAN terminal connected to a seonraen at least one are preferred.

In addition, the financial institution server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 600 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 600, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 600. 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 financial institution server 600, 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the system for opening an overseas remittance account as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the financial company server 600. The communication network and / or the wireless communication network perform a function of an overseas remittance account opening interface for the customer to register the foreign remittance account opening application information.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A financial automation device (not shown) including a CD) and / or a predetermined wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a call terminal (not shown), and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or with the financial institution Terminal (and / or server) (not shown) provided in at least one affiliated organization may be further included, whereby the present invention is not limited.

In the overseas remittance account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 600. The financial network that connects the customer to perform the function of the foreign money transfer account opening interface for the customer to register the application for opening the foreign money transfer account, and / or when the terminal device is the call terminal (not shown), A wired telephone network and / or a wireless telephone network that connects a call terminal (not shown) and the call terminal (not shown) and the financial company server 600 to open an overseas remittance account for the customer to register the application for opening the overseas remittance account. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device, and / or the terminal device. The network connecting the horse (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial institution server 600 is for the customer to register the application for opening the remittance account. Functions as an interface to open an overseas remittance account.

The financial institution server 600 provided on the overseas remittance account opening system according to the present invention is a generic term for the components of the overseas remittance account opening system connected to the terminal apparatus through a predetermined network means, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal and / or a wireless terminal that can be connected to an internet banking server on a predetermined internet banking system, the financial institution server 600 may include the Internet banking system. Is a predetermined internet banking server provided on, and / or a program provided in the internet banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system; A program provided in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the internet banking server (and / or the server (or device)). , And / or a program provided to the external world on the financial system, whereby the present invention is not limited. The.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 600 is provided on the wireless banking system. A predetermined wireless banking server, and / or a program included in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (and / or the server (or device)) and / or a program included in the device). It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 600 is provided on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program included in the telebanking server, and / or a predetermined access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 600 is on the TV banking system. A predetermined TV banking server provided, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the TV banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial institution server 600 may include an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 may include the wired communication network and And / or connect a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless communication network, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for the purpose.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the financial institution server 600 (eg, an internet banking program), the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is configured to perform the client based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a communication program (eg, IC chip-based banking program, etc.) provided by the financial institution server 600, the interface unit 605 and the client terminal based on the CDMA protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 605 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. To provide.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 6, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 600 through the interface unit 605, the financial institution server 600 transmits a predetermined overseas remittance from the terminal device. Generate (or extract) at least one user interface for inputting (or selecting) account opening application information to the financial institution server 600 and generating (or extracting) the at least one user interface in connection with the interface unit 605. An interface providing unit 610 for providing a user interface to the terminal device, and when the terminal device inputs (or selects) the application for opening an overseas remittance account through the user interface and transmits the information, the interface unit 605; And an information receiving unit 615 for receiving the request for opening the overseas remittance account transmitted from the terminal device in association. And a gong.

The interface provider 610 connects a predetermined communication channel with the financial institution server 600 through the interface unit 605, and then requests the user interface from the financial institution server 600. Generate at least one user interface for inputting (or selecting) predetermined foreign remittance account opening application information from the terminal device to the financial institution server 600 through the network means, and / or a predetermined database ( And extracts the generated (or extracted) user interface to the terminal apparatus through the network means in conjunction with the interface unit 605.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 may be a browser program and / or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may provide a browser program and / or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 is provided to the call terminal (not shown). Generates (or extracts) a predetermined user interface, and provides the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 605. It is preferable.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined application for opening a remittance account to the financial institution server 600 through the network means is provided to the terminal device. When a predetermined information registration program is provided, the terminal apparatus is generated (or extracted) a user interface for inputting (or selecting) predetermined foreign remittance account opening application information to the financial institution server 600 as described above. The interface providing unit 610 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) an overseas remittance account opening application information including at least one or more of the customer information and the overseas remittance account setting information through the user interface, and the input (or selected) remittance abroad. Account opening application information is transmitted to the financial institution server 600 through the network means, and correspondingly, the information receiving unit 615 opens the overseas remittance account transmitted from the terminal device in association with the interface unit 605. Receive application information.

According to an exemplary embodiment of the present invention, the terminal apparatus may include the at least one foreign remittance account establishment application information including at least one of the customer information and the foreign remittance account attribute setting information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to verify the validity of the financial institution server ( 600).

According to the exemplary embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, a symmetric key based encryption method) for applying for foreign remittance account establishment application information including at least one of the customer information and the overseas remittance account property setting information. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the application information for opening a remittance account. Preferably, the terminal apparatus has at least one encryption key corresponding to the encryption scheme and / or includes at least one encryption key. Have a certified certificate, and / or have a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an exemplary embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for foreign remittance account opening application information including at least one of the customer information and the foreign remittance account property setting information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) to be transmitted to the financial institution server 600 via the network means, for this purpose, The terminal apparatus includes at least one encryption key corresponding to the encryption method, and / or a predetermined certificate including at least one encryption key, and / or the certificate is a predetermined IC chip ( Or an IC card), for verifying an authorized certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

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

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. At least the extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument. It is preferable to include one or more.

Referring to FIG. 6, when the financial institution server 600 receives the request for opening the overseas remittance account from the terminal device through the information receiving unit 615, the received foreign remittance account opening the request information is designated. Characterized in that it comprises a validity authentication unit for confirming whether the validity for the international remittance corresponding to the exchange rate.

According to an embodiment of the present invention, the application information for opening a remittance account for foreign remittances may include at least one encryption method (for example, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or Or a key exchange-based encryption scheme, etc., the validity authentication unit may include at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or the like) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate the validity of the received foreign remittance account opening application information.

Alternatively, when a predetermined electronic signature is attached to the application information for opening the overseas remittance account, the validity certification unit checks the electronic signature attached to the application for opening the overseas remittance account, thereby receiving It is desirable to authenticate validity.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption methods for decrypting the encrypted overseas remittance account opening application information, and the electronic signature attached to the foreign remittance account opening application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the foreign bank account opening request information received through the information receiving unit 615 further includes a predetermined password for checking the validity of the foreign bank account opening request information, the validity The authentication unit may verify the validity of the received overseas remittance account opening application information by comparing and authenticating the password included in the overseas remittance account opening application information and the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the overseas remittance account opening application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the foreign remittance account opening application information, the validity authentication unit may By comparing and authenticating the received security card information included in the application for opening an overseas remittance account and the security card information provided corresponding to the customer on the DBMS, it is necessary to authenticate the validity of the received overseas remittance account application. desirable.

Alternatively, when the overseas remittance account opening request information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the foreign remittance account opening request information, the validity authentication unit may include By comparing and authenticating the received OTP code included in the remittance account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received overseas remittance account opening application information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched with the application for opening the remittance account for foreign remittance account in the ledger D / B on the financial system linked to the foreign remittance account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the application information for opening an overseas remittance account may include: a financial system in which the customer information (customer personal information, member information, etc.) included in the application for opening an overseas remittance account is linked to the overseas remittance account opening system; It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

Referring to FIG. 6, when the validity of the overseas remittance account opening request information is authenticated through the validity confirming unit 620, the financial institution server 600 includes a predetermined application information for receiving the foreign remittance account opening request. An electronic document generation unit 625 for generating an electronic document for requesting to open an overseas remittance account, and an electronic document transmission unit for transmitting the generated electronic remittance application for opening an electronic document to an electronic document repository associated with the overseas remittance account opening system. 630, characterized in that consisting of.

The electronic document generating unit 625 may generate an overseas remittance account opening application electronic document including the application information for opening an overseas remittance account received from the terminal device through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generation unit 625 may include at least one of customer information and overseas remittance account attribute setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including MHT) is preferably processed as the electronic remittance request electronic document.

Alternatively, the electronic document generation unit 625 generates document content including at least one or more customer information and overseas remittance account property setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. After the watermarking method includes at least one or more information of the customer information included in the application for opening the overseas remittance account and the information on the property setting for the overseas remittance in the document content, the document contents including the watermarking are included. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic documents for the application for opening a remittance account.

Alternatively, the electronic document generation unit 625 generates document content including at least one or more customer information and overseas remittance account property setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. And processing the image file including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory) as the electronic money transfer application electronic document.

Alternatively, the electronic document generation unit 625 generates document content including at least one or more customer information and overseas remittance account property setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. At least one of customer information included in the overseas remittance account opening application information and the overseas remittance account attribute setting information in the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). After including at least one information by a watermarking method, it is preferable to process an image file including the image content including the watermarking as the electronic money transfer application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 625 may include at least one of customer information and overseas remittance account attribute setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to treat with.

Alternatively, the electronic document generation unit 625 generates document content including at least one or more customer information and overseas remittance account property setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. At least one of customer information included in the overseas remittance account opening application information and the overseas remittance account attribute setting information in the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). Generating image content including at least one information in a watermarking manner, and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the image content including the watermarking. A file, or a word processor file including at least one of HWP / DOC, etc., or a web document including an MHT. By creating work, etc.), it is preferable to treatment with the overseas remittance account opening application electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 625 may include at least the customer information and the overseas remittance account attribute setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. Generates a document content including one or more, and includes a predetermined image content (for example, the image content generated by capturing the document content on the memory) and the application for opening the overseas remittance account; Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to process the electronic money transfer application electronic document.

Alternatively, the electronic document generation unit 625 generates document content including at least one or more customer information and overseas remittance account property setting information included in the application for opening an overseas remittance account received through the information receiving unit 615. At least one of customer information included in the overseas remittance account opening application information and the overseas remittance account attribute setting information in the image contents captured by the document contents (for example, image contents generated by capturing the document contents on a memory). A document file (for example, a PDF (Portable Document Format) file) generating image content including at least one information by a watermarking method, and including the image content including the watermarking and application information for opening the overseas remittance account. , Or a word processor including at least one EDI (Electronic Data Interchange) file, or HWP / DOC. By creating a web document files, etc.) that contains the file or MHT, it is preferable to treatment with the overseas remittance account opening application electronic documents.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 625 is a technical feature of generating an electronic document for the application of opening an overseas remittance account in an image file format and / or a predetermined document file format, Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic remittance application request electronic document opening, the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 630 transmits and stores the electronic document opening request electronic document generated by the electronic document generating unit 625 to a predetermined electronic document repository associated with the international money transfer account opening system. It features.

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 640 and an electronic document D / B associated with a financial company server 600 on the overseas remittance account opening system through predetermined communication means. When provided to the outside, the electronic document transmission unit 630 to the electronic document server 640 through the communication means the application for opening the electronic transfer account created by the electronic document generation unit 625 Characterized in that the transmission.

Herein, when the electronic document server 640 and the electronic document D / B are provided outside the overseas remittance account opening system, the electronic document server 640 and the electronic document D / B are managed by an authorized institution. It is desirable to.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas remittance account opening system, the electronic document transmission unit 630 is generated by the electronic document generation unit 625. It is possible to store the electronic remittance application electronic document to the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the foreign remittance account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmitting unit 630 may be configured to generate electronic document related information (eg, the customer information and / or the electronic document server) for generating predetermined electronic document management information in the electronic document server 640. It is possible to transmit to the electronic document repository further including the financial institution information for sending the electronic document opening application, and / or electronic document file format information, and / or the application information for opening the overseas bank account opening). Thereby, this invention is not limited.

Referring to FIG. 6, when the validity of the overseas remittance account opening request information received through the information receiving unit 615 is authenticated through the validity confirming unit 620, the financial institution server 600 may recognize the validity. An account opening section 635 for opening an overseas remittance account for the customer's name including the overseas remittance account attribute setting information based on the customer information and the overseas remittance account attribute setting information included in the application for opening an overseas remittance account; Characterized in that made.

When the validity of the overseas remittance account opening application information is confirmed by the validity confirming unit 620, the account opening unit 635 includes customer information included in the foreign remittance account opening application information in connection with the financial system. Generate a customer ledger (or identify a customer ledger that is matched with the customer information), and generate predetermined account ledger information including the overseas remittance account attribute included in the application for opening a remittance account; Thereafter, by storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the application information for opening the overseas remittance account, an overseas remittance account for overseas remittance corresponding to the designated exchange rate is opened. do.

Referring to FIG. 6, an electronic document server receives a request for opening a foreign remittance account opening application electronic document from the financial institution server 600 provided on the overseas remittance account opening system and stores and manages the electronic document in a predetermined electronic document D / B. 640, the electronic document receiving unit 645 for receiving a predetermined overseas remittance account opening request electronic document from the financial institution server 600 through a predetermined communication means, and the received overseas remittance account opening request electronic document An information generation unit 650 for generating predetermined electronic document management information for storage and management in an electronic document D / B, and the electronic document management information and the electronic document opening application electronic document by linking and processing a predetermined electronic document It is characterized by comprising an electronic document storage unit 655 to be stored in the D / B.

The electronic document receiving unit 645 is characterized in that for receiving the application for opening an overseas remittance account in the form of an image file and / or document file from the financial institution server 600 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 645 receives an overseas remittance account opening request received through the communication means, and the financial institution server 600 requests for opening an overseas remittance account received from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document contents including at least one of customer information and overseas remittance account property setting information included in the information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the electronic document receiving application 645 received through the communication means for the foreign bank account opening request electronic document is the customer information included in the foreign bank account opening request information received by the financial institution server 600 from the terminal device; After the watermarking method includes at least one or more of the customer information and the overseas remittance account attribute setting information included in the application for opening the overseas remittance account in document content including at least one overseas remittance account attribute setting information. A document file including document content including the watermarking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or MHT). It is preferable that the web document file including a).

Alternatively, the electronic document receiving application 645 received through the communication means for the foreign bank account opening request electronic document is the customer information included in the foreign bank account opening request information received by the financial institution server 600 from the terminal device; It is preferable to include an image file including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one or more overseas remittance account property setting information. .

Alternatively, the electronic document receiving application 645 received through the communication means for the foreign bank account opening request electronic document is the customer information included in the foreign bank account opening request information received by the financial institution server 600 from the terminal device; The customer included in the overseas money transfer account opening application information in the image content (e.g., the image content generated by capturing the document content on the memory) including the document content including at least one of the foreign money transfer property setting information. It is preferable to include at least one or more information of the information and the foreign remittance account property setting information by a watermarking method, and then include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 645 receives an overseas remittance account opening request electronic document received through the communication means, the financial institution server 600 opens the overseas remittance account received from the terminal device. Predetermined image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the application information and at least one foreign remittance account property setting information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the electronic document receiving application 645 received through the communication means for the foreign bank account opening request electronic document is the customer information included in the foreign bank account opening request information received by the financial institution server 600 from the terminal device; The customer included in the overseas money transfer account opening application information in the image content (e.g., the image content generated by capturing the document content on the memory) including the document content including at least one of the foreign money transfer property setting information. Generating an image content including at least one or more information of the information and the foreign remittance account property setting information by a watermarking method, and including a document file including the watermarking image content (for example, PDF (Portable Document Format) ) Files, or EDI (Electronic Data Interchange) files, or at least one or more HWP / DOC, etc. It comprises a web page file, and so on) that include the word-processor file, or MHT is preferable to.

According to another embodiment of the present invention, the electronic document receiving unit 645, the foreign bank account opening request electronic document received through the communication means is the foreign bank account received by the financial company server 600 from the terminal device Image content (e.g., image content generated by capturing the document content on a memory) and the overseas document, which capture document content including at least one of customer information and overseas remittance account property setting information included in the application for opening information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing information for requesting to open a remittance account, or an MHT. Web document files, etc.) to be included.

Alternatively, the electronic document receiving application 645 received through the communication means for the foreign bank account opening request electronic document is the customer information included in the foreign bank account opening request information received by the financial institution server 600 from the terminal device; The customer included in the overseas money transfer account opening application information in the image content (e.g., the image content generated by capturing the document content on the memory) including the document content including at least one of the foreign money transfer property setting information. A document file including image content including at least one or more information of the information and the foreign remittance account property setting information by a watermarking method, the image file including the watermarking and the application information for opening the overseas remittance account; (E.g., a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file, Preferably comprises a web page file, and so on) that include the word-processor file, or MHT comprising at least one such HWP / DOC.

The information generation unit 650 is a predetermined electronic document unique number (or unique information) to be assigned to the foreign bank account opening request electronic document received through the electronic document receiving unit 645 and the electronic document receiving unit 645 Generating electronic document management information including electronic document archiving date and time information including a date and time (or a date and time at which the foreign remittance account opening request electronic document was stored) when the electronic money account opening request electronic document was received. It features.

According to an exemplary embodiment of the present invention, the information generation unit 650 refers to the financial institution server 600 that has transmitted the application for opening an overseas remittance account received through the electronic document receiving unit 645. It is preferable to confirm the financial institution that sent the account opening request electronic document, and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 600 through the electronic document receiving unit 645, the information generating unit 650 may receive the received electronic document. Document-related information (e.g., financial institution information for transmitting the customer information and / or the electronic remittance application for opening the overseas remittance account, and / or electronic document file format information, and / or the application for opening the remittance account for the overseas remittance account, etc.); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 655 associates an electronic document management application generated through the electronic money receiving unit 645 with the electronic document management application generated through the information generation unit 650 and the electronic document management information. It is characterized by storing in the document D / B.

According to one embodiment of the present invention, the electronic document storage unit 655 is an application for opening an overseas remittance account stored in the electronic document D / B, the international remittance received by the financial institution server 600 from the terminal device A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or document file) containing document content including at least one of customer information and overseas remittance account setting information included in the account opening request information; or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the electronic document storage application 655 is an application for opening an overseas remittance account stored in the electronic document D / B is included in the application information for opening the foreign bank account received by the financial institution server 600 from the terminal device. The watermarking method includes at least one of customer information and overseas remittance account attribute setting information included in the application for opening an overseas remittance account in document content including at least one piece of customer information and foreign remittance account attribute setting information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT).

Alternatively, the electronic document storage application 655 is an application for opening an overseas remittance account stored in the electronic document D / B is included in the application information for opening the foreign bank account received by the financial institution server 600 from the terminal device. And an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and overseas remittance account property setting information. It is preferable.

Alternatively, the electronic document storage application 655 is an application for opening an overseas remittance account stored in the electronic document D / B is included in the application information for opening a foreign bank account received by the financial institution server 600 from the terminal device. In the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and overseas remittance account property setting information. After including at least one or more information of the included customer information and the overseas remittance account property setting information in a watermarking (Watermarking) method, it is preferably made of an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the electronic document storage application 655 is a foreign electronic bank account opening request electronic document stored in the electronic document D / B, the financial company server 600 received from the terminal device abroad Image content (e.g., image content generated by capturing the document content on the memory) which captures document content including at least one of customer information and overseas remittance account property setting information included in the remittance account opening application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the electronic document storage application 655 is an application for opening an overseas remittance account stored in the electronic document D / B is included in the application information for opening a foreign bank account received by the financial institution server 600 from the terminal device. In the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and overseas remittance account property setting information. A document file including image information including at least one or more of the included customer information and foreign remittance account property setting information by a watermarking method, and the image file including the watermarking (eg, PDF ( At least one Portable Document Format (EDI) file, Electronic Data Interchange (EDI) file, or HWP / DOC Preferably comprises a web page file, and so on) that include the word-processor file, or MHT.

According to another embodiment of the present invention, the electronic document storage unit 655 is a foreign electronic bank account opening request electronic document stored in the electronic document D / B received by the financial institution server 600 from the terminal device Image content (e.g., image content generated by capturing the document content on the memory) which captures document content including at least one of customer information and overseas money account property setting information included in the application for opening an overseas remittance account. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including the application information for opening the remittance account. Or a web document file including the MHT).

Alternatively, the electronic document storage application 655 is an application for opening an overseas remittance account stored in the electronic document D / B is included in the application information for opening the foreign bank account received by the financial institution server 600 from the terminal device. In the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and overseas remittance account property setting information. Generate image content including at least one or more of the included customer information and the information on the setting of the overseas remittance account in a watermarking manner, and include the image content including the watermarking and application information for opening the overseas remittance account. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or It comprises a web page file, and so on) containing the HWP / DOC a word processing file containing at least one, and the like, or MHT is preferred.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 655 in association with the electronic remittance account opening request electronic document, the foreign remittance account opening request Preferably, a predetermined electronic document unique number (or unique information) assigned to the electronic document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 655 in connection with the request for opening the overseas remittance account opening electronic document is opened. It is preferable that the financial institution server 600 that has transmitted the application electronic document preferably further includes information on the financial institution that has transmitted the application for opening the overseas remittance account.

According to another exemplary embodiment of the present invention, when a predetermined electronic document-related information is further received from the financial institution server 600, the electronic document storage unit 655 processes the connection with the electronic document opening application electronic document. The electronic document management information stored in the electronic document D / B may include the received electronic document related information (eg, the customer information, and / or financial institution information transmitting the electronic money transfer application opening document, and / or And electronic document file format information, and / or application information for opening an overseas remittance account.

7 is a diagram illustrating a ledger configuration corresponding to an overseas remittance account opened in a non-face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates an account ledger corresponding to the foreign remittance account opened through the overseas remittance account opening system shown in FIG. 6 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As illustrated in FIG. 7, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 7 to implement various methods for configuring a ledger corresponding to the overseas remittance account. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and at least one account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be appreciated that more information is included and that you will be familiar with the specific technical details, It is omitted for convenience.

The customer ledger includes customer information included in the application information for opening an overseas remittance account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification. Code, phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, social security number, company address, company phone number, mailing address, account number, president, business type, court Agent, first trade date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the overseas remittance account opened in response to the application for opening the overseas remittance account, which is linked to the customer ledger in a relational manner, and includes an account number, a CIF number, a branch number, a currency, an opening date, a state, a product. Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic receipt information including at least one (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, and face value corresponding to the ledger. , Trust receipt information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. No.), compound transaction, date of settlement, bank account line, summary, and transaction details including at least one of the CIF.

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

8A and 8B illustrate a process of opening an overseas remittance account for overseas remittance corresponding to a designated exchange rate in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a web server function in which a terminal device on the system for opening an overseas remittance account shown in FIG. 6 is a client terminal, and the financial institution server 600 can access a client terminal through a predetermined network means. In the case of having a, when a predetermined customer provides an application for opening an overseas remittance account including at least one or more customer information and overseas remittance account attribute setting information through the client terminal to open an overseas remittance account, the overseas A method of opening a predetermined overseas remittance account for an overseas remittance corresponding to the specified exchange rate based on the application information for opening a remittance account including at least one of the customer information and the remittance account setting information in the remittance account opening system. As is related to the general knowledge in the art If the person having the present invention, it will be able to infer various implementation methods for providing the application information for opening the foreign remittance account from the client terminal to the financial institution server 600 by referring to and / or modified with reference to Figures 8a and 8b, The present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the application information for opening an overseas remittance account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

8A and 8B, the financial institution server 600 provides a user interface through which the client terminal inputs (or selects) the application information for opening the overseas remittance account through a predetermined web page. Although illustrated as being provided, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 600, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 600 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information and the overseas remittance account attribute setting information transmitted to the financial institution server 600 are referred to as "overseas remittance account opening application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the user When requesting a web page including an interface (800), in response, the server inputs (or selects) an overseas remittance account opening application information including at least one of the customer information and overseas remittance account property setting information. Generate (or extract) a web page comprising a user interface for transmission to a network (805), and generate (or extract) via the network means And transmits to output the web page including a user interface to the mobile station 810. The

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering an application for opening a foreign bank account. It is not limited.

Thereafter, the terminal inputs (or selects) an application for opening an overseas remittance account including at least one or more customer information and overseas remittance account property setting information through a user interface included in the web page (815).

If the terminal inputs (or selects) an overseas remittance account opening application information including the customer information and the overseas remittance account property setting information through the user interface (820), the terminal receives the input through the communication channel ( Alternatively, the selected customer information and the overseas remittance account attribute setting information are transmitted to the server (825).

According to an embodiment of the present invention, the terminal checks the validity of the application for opening the overseas remittance account at the server in the application information for opening the remittance of the overseas remittance account including at least one of the customer information and the overseas remittance account property setting information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or an overseas remittance account opening application information including at least one or more of the customer information and the overseas remittance account property setting information). Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or attach a predetermined electronic signature to the application for opening a remittance account. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or an overseas remittance account opening application information including at least one or more of the customer information and the overseas remittance account property setting information). Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) and transmit the encrypted data to the server through the network means. Either having at least one encryption key corresponding to the scheme, and / or having a predetermined certificate containing at least one encryption key, and / or having the certificate on a predetermined IC chip (or IC card). If there is, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is desirable.

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

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. Extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account, and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument; It is preferable to comprise at least one or more.

Thereafter, the server receives and reads the customer information and the overseas remittance account attribute setting information through the communication channel to check the validity of the application for opening the remittance account.

According to an embodiment of the present invention, the application information for opening a remittance account for foreign remittances may include at least one encryption method (for example, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or Or a key exchange-based encryption scheme, etc., the server may include the at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or disclosure) that corresponds to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received foreign money transfer account opening application information.

Alternatively, when a predetermined electronic signature is attached to the application for opening an overseas remittance account, the server verifies the electronic signature attached to the application for opening an overseas remittance account, thereby validating the received application for opening the overseas remittance account. It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption methods for decrypting the encrypted overseas remittance account opening application information, and the electronic signature attached to the foreign remittance account opening application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the received overseas remittance account opening application information further includes a predetermined password for confirming the validity of the application for opening the international remittance account, the server requests to open the overseas remittance account. By comparing and authenticating the received password included in the information with the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received application information for opening the overseas remittance account.

Alternatively, when the received foreign remittance account opening application information further includes predetermined security card information for confirming the validity of the foreign remittance account opening application information, the server is included in the overseas remittance account opening application information. By comparing and authenticating the received security card information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received application information for opening the overseas remittance account.

Alternatively, when the received foreign remittance account opening application information further includes a predetermined OTP code for confirming the validity of the foreign remittance account opening application information, the server is included in the overseas remittance account opening application information. It is preferable to authenticate the validity of the received foreign remittance account opening application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched with the application for opening the remittance account for foreign remittance account in the ledger D / B on the financial system linked to the foreign remittance account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the application information for opening an overseas remittance account may include: a financial system in which the customer information (customer personal information, member information, etc.) included in the application for opening an overseas remittance account is linked to the overseas remittance account opening system; It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

If the validity of the overseas remittance account opening application information is not authenticated (835), the server generates a web page including a predetermined foreign remittance account opening error information and transmits it to the terminal (840), the international remittance Do not open an account.

On the other hand, if the validity of the overseas remittance account opening application information is authenticated (835), the server includes predetermined document content including at least one or more customer information including the overseas remittance account opening application information and overseas remittance account attribute setting information. In operation 845, a predetermined foreign remittance account opening application electronic document including the document content is generated in operation 850.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and foreign money transfer account attribute setting information included in the received overseas money transfer account opening application information, and includes the document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic documents for the application for opening a remittance account.

Alternatively, the server generates document content including at least one or more customer information and foreign money transfer account attribute setting information included in the received foreign money transfer account opening application information, and the application content to the application information for opening the overseas money transfer account opening; After including at least one or more information of the included customer information and the overseas remittance account attribute setting information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) File, an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). Do.

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, it is preferable to process an image file including the document content captured by the document content on a memory as the electronic money transfer application electronic document.

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, image content generated by capturing the document content on a memory) includes at least one of customer information included in the application for opening an overseas remittance account and information on setting a remittance for an overseas remittance account in a watermarking manner. Preferably, the image file including the image content including the watermarking is processed as the overseas remittance account application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and foreign money transfer account attribute setting information included in the received overseas money transfer account opening application information, and the document content is stored. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory); Or a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT).

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, an image content generated by capturing the document content on a memory) includes at least one or more information of customer information included in the application for opening a remittance account and information on setting a remittance account for an overseas remittance account in a watermarking manner. Generating image content, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking Sending the overseas money by generating a word processor file or a web document file including MHT) Left opening is preferably treated with an electronic document application.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and foreign money transfer account attribute setting information included in the received foreign money transfer account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory) and application information for opening an overseas remittance account; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to process the electronic money transfer application electronic document. desirable.

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, an image content generated by capturing the document content on a memory) includes at least one or more information of customer information included in the application for opening a remittance account and information on setting a remittance account for an overseas remittance account in a watermarking manner. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) that generates image content and includes the image content including the watermarking and the application information for opening an overseas remittance account. Word document files containing at least one DOC, etc., or Web document files containing MHT. By creating, etc.), it is preferable to treatment with the overseas remittance account opening application electronic documents.

If one of ordinary skill in the art of the present invention belongs to the technical feature that the server generates an electronic document for the application of opening an overseas remittance account in the image file format and / or a predetermined document file format, and the application for opening the overseas remittance account Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository is provided externally including a predetermined electronic document server 640 and an electronic document D / B linked to a server on the overseas remittance account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated electronic money transfer account opening electronic document to the electronic document server 640 through the communication means and stores the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance account opening system, the server sends the generated electronic money transfer application electronic document to the DBMS provided in the overseas remittance account opening system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the overseas remittance account application electronic document in the electronic document repository may be performed by linking the generated overseas remittance account application electronic document with predetermined electronic document management information as shown in FIG. It is preferable to include storing in the electronic document D / B shown in the.

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the overseas remittance account opening application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the electronic document for the application for opening the overseas remittance account.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the financial institution information for transmitting the customer information, and / or the electronic transfer document opening application, and / or electronic document file format information, and / Or application information for opening an overseas remittance account, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (860), the server sends the predetermined account ledger information corresponding to the foreign money transfer account opening application information for the international money transfer corresponding to the specified exchange rate Generate (865), establish an overseas remittance account of the customer's name including the account ledger information in association with the financial system (875), and generate (or extract) predetermined overseas remittance account establishment history information; The transmission to the terminal (880).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening an overseas remittance account in association with the financial system (or matches a customer ledger provided with the customer information. Confirming), by generating predetermined account ledger information including the property of the overseas remittance account included in the application for opening an overseas remittance account, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In addition, it is preferable to open an overseas remittance account for overseas remittance corresponding to the designated exchange rate in response to the application information for opening the remittance account.

9A, 9B, and 9C illustrate a process of opening an overseas remittance account for overseas remittance corresponding to a designated exchange rate according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the system for opening an overseas remittance account shown in FIG. In the case where the financial institution server 600 on the account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits the application information for opening a foreign remittance account to the internet banking server to open the overseas remittance account, the Internet banking server stores at least the customer information and the remittance account attribute setting information. Based on the application information for opening an overseas remittance account including one or more foreign remittances corresponding to the exchange rates specified above, A method for opening a predetermined foreign remittance account, and a person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present drawings 9a, 9b and 9c for other types of Various implementation methods for providing the application information for opening the overseas remittance account through the face-to-face financial transaction channel may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIGS. 9A, 9B, and 9C. It is not limited to the implemented method.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering an overseas remittance account opening application information between the client terminal and the Internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is shown. In the case of a person having the Internet banking method, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C is referred to and / or modified, based on a predetermined Internet banking program mounted on the client terminal. Client terminal and internet bang Although it may be possible to infer a method of connecting an Internet banking-based financial transaction channel for registering an application for registering an overseas remittance account between the servers, the present invention includes an Internet banking-based financial transaction provided based on the Internet banking program. The present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for registering application information for opening a remittance account. The invention includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention. This is not limited to the case of the Internet banking shown in FIGS. 9A, 9B, and 9C.

In addition, although the method shown in FIGS. 9A, 9B, and 9C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 600 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined electronic signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm) Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also provided from the terminal to the server for registration of the application for opening a remittance account. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering application information for opening an overseas remittance account in the terminal. Attach a predetermined electronic signature to information (or data) to be provided by When encrypted and transmitted with one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined foreign remittance account opening application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (900b), the server correspondingly at least one of the customer information and the foreign remittance account property setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) the application for opening an overseas remittance account including the above and transmitting it to the server (905b), and through the internet banking-based financial transaction channel. The web page including the generated (or extracted) user interface is transmitted and output to the terminal (910b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) overseas remittance account opening application information including at least one of customer information and overseas remittance account property setting information in the terminal. Preferably, and / or predetermined password and / or security card information (e.g., security issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the application for opening the overseas remittance account. Security card information printed on the card) and / or one time password (OTP) (e.g., through an internet banking application process (or after an internet banking application) through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution. Preferably a one-time password).

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times in accordance with the procedure for registering the foreign bank account opening application information, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) overseas remittance account opening application information including at least one of the customer information and the overseas remittance account attribute setting information through the international remittance account opening interface (915b).

If the terminal inputs (or selects) an overseas remittance account opening application information including the customer information and the overseas remittance account property setting information through the user interface (920b), the terminal receives the input through the financial transaction channel. (Or selected) transfers the application information for opening the overseas remittance account to the server (925b).

According to an embodiment of the present invention, the terminal checks the validity of the application for opening the overseas remittance account at the server in the application information for opening the remittance of the overseas remittance account including at least one of the customer information and the overseas remittance account property setting information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or an overseas remittance account opening application information including at least one or more of the customer information and the overseas remittance account property setting information). Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or attach a predetermined electronic signature to the application for opening a remittance account. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key , And / or when the certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate provided in the IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or an overseas remittance account opening application information including at least one or more of the customer information and the overseas remittance account property setting information). Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) and transmit the encrypted data to the server through the network means. Either having at least one encryption key corresponding to the scheme, and / or having a predetermined certificate containing at least one encryption key, and / or having the certificate on a predetermined IC chip (or IC card). If there is, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferable.

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

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account attribute setting information may include basic attribute information such as an overseas remittance account type (for example, free withdrawal or savings account) to be opened through the application for opening an overseas remittance account for overseas remittance corresponding to the designated exchange rate. At least the extended attribute information such as a transfer (or withdrawal) limit amount for the overseas remittance account and the financial instrument attribute information associated with the overseas remittance account when the overseas remittance account is an account linked to an investmentable financial instrument. It is preferable to include one or more.

Thereafter, the server receives and reads the foreign remittance account opening application information through the financial transaction channel to check the validity of the foreign remittance account opening application information (930b).

According to an embodiment of the present invention, the application information for opening a remittance account for foreign remittances may include at least one encryption method (for example, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or Or a key exchange-based encryption scheme, etc., the server may include the at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or disclosure) that corresponds to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received foreign money transfer account opening application information.

Alternatively, when a predetermined electronic signature is attached to the application for opening an overseas remittance account, the server verifies the electronic signature attached to the application for opening an overseas remittance account, thereby validating the received application for opening the overseas remittance account. It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, check the technical features of the various decryption methods for decrypting the encrypted overseas remittance account opening application information, and the electronic signature attached to the foreign remittance account opening application information Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, if the received overseas remittance account opening application information further includes a predetermined password for confirming the validity of the application for opening the international remittance account, the server requests to open the overseas remittance account. By comparing and authenticating the received password included in the information with the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received application information for opening the overseas remittance account.

Alternatively, when the received foreign remittance account opening application information further includes predetermined security card information for confirming the validity of the foreign remittance account opening application information, the server is included in the overseas remittance account opening application information. By comparing and authenticating the received security card information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received application information for opening the overseas remittance account.

Alternatively, when the received foreign remittance account opening application information further includes a predetermined OTP code for confirming the validity of the foreign remittance account opening application information, the server is included in the overseas remittance account opening application information. It is preferable to authenticate the validity of the received foreign remittance account opening application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to an embodiment of the present invention, the validity confirmation of the application information for opening the overseas remittance account is at least one matched with the application for opening the remittance account for foreign remittance account in the ledger D / B on the financial system linked to the foreign remittance account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the application information for opening an overseas remittance account may include: a financial system in which the customer information (customer personal information, member information, etc.) included in the application for opening an overseas remittance account is linked to the overseas remittance account opening system; It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

If the validity of the overseas remittance account opening application information is not authenticated (935b), the server generates a web page including a predetermined foreign remittance account opening error information and transmits it to the terminal (940b), the international remittance Do not open an account.

On the other hand, if the validity of the overseas remittance account opening application information is authenticated (935b), the server includes predetermined document content including at least one or more customer information including the foreign remittance account opening application information and overseas remittance account attribute setting information. In operation 945b, a predetermined foreign remittance account opening application electronic document including the document content is generated in operation 950c.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and foreign money transfer account attribute setting information included in the received overseas money transfer account opening application information, and includes the document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic documents for the application for opening a remittance account.

Alternatively, the server generates document content including at least one or more customer information and foreign money transfer account attribute setting information included in the received foreign money transfer account opening application information, and the application content to the application information for opening the overseas money transfer account opening; After including at least one or more information of the included customer information and the foreign bank account property setting information in a watermarking (Watermarking) method, a document file (for example, a PDF (Portable Document Format) file containing the document content including the watermarking) Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). .

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, it is preferable to process an image file including the document content captured by the document content on a memory as the electronic money transfer application electronic document.

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, image content generated by capturing the document content on a memory) includes at least one of customer information included in the application for opening an overseas remittance account and information on setting a remittance for an overseas remittance account in a watermarking manner. Preferably, the image file including the image content including the watermarking is processed as the overseas remittance account application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and foreign money transfer account attribute setting information included in the received overseas money transfer account opening application information, and the document content is stored. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to be processed into the electronic money transfer application electronic document.

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, an image content generated by capturing the document content on a memory) includes at least one or more information of customer information included in the application for opening a remittance account and information on setting a remittance account for an overseas remittance account in a watermarking manner. Generating image content, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking Sending the overseas money by generating a word processor file or a web document file including MHT) Left opening is preferably treated with an electronic document application.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and foreign money transfer account attribute setting information included in the received foreign money transfer account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory) and application information for opening an overseas remittance account; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to process the electronic money transfer application electronic document. desirable.

Alternatively, the server generates document content including at least one or more customer information and overseas remittance account property setting information included in the received foreign remittance account opening application information, and the image content (capture) captured the document content ( For example, an image content generated by capturing the document content on a memory) includes at least one or more information of customer information included in the application for opening a remittance account and information on setting a remittance account for an overseas remittance account in a watermarking manner. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) that generates image content and includes the image content including the watermarking and the application information for opening an overseas remittance account. Word document files containing at least one DOC, etc., or Web document files containing MHT. By creating, etc.), it is preferable to treatment with the overseas remittance account opening application electronic documents.

If one of ordinary skill in the art of the present invention belongs to the technical feature that the server generates an electronic document for the application of opening an overseas remittance account in the image file format and / or a predetermined document file format, and the application for opening the overseas remittance account Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (955c).

As shown in FIG. 6, the electronic document repository is provided externally including a predetermined electronic document server 640 and an electronic document D / B linked to a server on the overseas remittance account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated electronic money transfer account opening electronic document to the electronic document server 640 through the communication means and stores the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance account opening system, the server sends the generated electronic money transfer application electronic document to the DBMS provided in the overseas remittance account opening system. It is possible to store in the electronic document D / B corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the foreign remittance account opening application electronic document in the electronic document storage, by connecting the generated overseas remittance account opening application electronic document and predetermined electronic document management information in the drawing It is preferable to include storing in the electronic document D / B shown in FIG.

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the overseas remittance account opening application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the electronic document for the application for opening the overseas remittance account.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the financial institution information for transmitting the customer information, and / or the electronic transfer document opening application, and / or electronic document file format information, and / Or application information for opening an overseas remittance account, etc.).

If the electronic document opening application electronic document is stored in the electronic document storage (960c), the server receives the predetermined account ledger information corresponding to the foreign money transfer account opening application information for the international transfer corresponding to the specified exchange rate; Generate (965c), establish an overseas remittance account of the customer's name including the account ledger information in association with the financial system (970c), and generate (or extract) predetermined overseas remittance account establishment history information; Transmission to the terminal (975c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application information for opening an overseas remittance account in association with the financial system (or matches a customer ledger provided with the customer information. Confirming), by generating predetermined account ledger information including the property of the overseas remittance account included in the application for opening an overseas remittance account, and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In addition, it is preferable to open an overseas remittance account for overseas remittance corresponding to the designated exchange rate in response to the application information for opening the remittance account.

10 is a diagram illustrating a face-to-face information registration system for overseas remittance corresponding to a designated exchange rate according to one embodiment of the present invention.

In more detail, Figure 10 shows at least one of customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information for an international remittance corresponding to the designated exchange rate by a predetermined customer to an information registration system through a predetermined information registration interface. When the designated exchange rate remittance information including the above information is provided, a predetermined storage medium may be linked by processing the customer information, overseas remittance account information, foreign remittance information, and the designated exchange rate information included in the designated exchange rate remittance information provided by the information registration system. 1030), and a person having ordinary knowledge in the art to which the present invention pertains, various information on the configuration of the information registration system for overseas remittance corresponding to the designated exchange rate by referring to or modifying this drawing 10 It would be possible to infer an implementation method, but the present invention includes all implementation methods inferred from the above, It shall not be limited to the exemplary method shown in figure 10.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the designated exchange rate transfer information provided from the customer on the storage medium 1030 via a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 1000" for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, an information registration system for overseas remittance corresponding to the designated exchange rate includes an information registration terminal including a teller terminal provided at at least one financial institution branch. The information registration terminal is connected to a communication channel with an information registration server 1000 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for overseas remittance corresponding to the designated exchange rate, and at a designated exchange rate through a window provided at the financial institution branch (or through a teller). If you have completed a prescribed application for a corresponding international remittance (for example, a document with a form for filling in at least one information item for an international remittance corresponding to a specified exchange rate) and submit the completed application to the teller, The teller staff inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information on the information registration system through the financial network. It is preferable to transmit to the information registration server 1000.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 1000 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 1000 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 1000. Do.

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 1000 correspond to the designated exchange rate. It performs the function of the information registration interface for registering the designated exchange rate remittance information for overseas remittance.

The storage medium 1030 provided on the information registration system according to the present invention stores the customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information included in the designated exchange rate remittance information provided from the information registration terminal. And a predetermined exchange rate including at least one of the customer information, the foreign remittance account information, the international remittance account information, and the designated exchange rate information stored in the storage medium 1030. The remittance information is used for overseas remittance corresponding to the specified exchange rate.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

According to one embodiment of the invention, the storage medium 1030 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1030 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1030 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 1000 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 1000 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1000 is characterized in that it comprises an interface unit 1005 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1005 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 10, the information registration server 1000 connects a communication channel with the information registration server 1000 through the interface unit 1005 and then connects with the interface unit 1005. An interface providing unit 1010 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined designated exchange remittance information from the information registration terminal in association with the information registration terminal; An information receiving unit 1015 for receiving predetermined designated exchange remittance information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1005 and the received designated exchange remittance information. Validation unit 1020 for checking the validity, and the customer information contained in the designated exchange rate transfer information confirmed the validity, overseas remittance account information, overseas remittance Beam, the linkage processing specified exchange rate information, and characterized in that formed in an information storage unit 1025 which stores a predetermined storage medium (1030).

The interface providing unit 1010 connects a communication channel with the information registration server 1000 through the interface unit 1005 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) designated exchange rate remittance information and transmit it to the information registration server 1000 through the financial network, or extract from a predetermined database (not shown). In operation 1005, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, a predetermined type having a user interface for inputting (or selecting) the designated exchange rate remittance information to the information registration server 1000 and transmitting the information to the information registration server 1000 through the financial network. When the information registration program is provided, the interface providing unit 1010 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) designated exchange rate remittance information including at least one of the customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information based on the user interface, and the input ( Or selects) and transmits the designated exchange rate remittance information to the information registration server 1000 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1010 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1005.

The information receiving unit 1015 inputs (or selects) designated exchange rate remittance information including at least one of customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information through the user interface at the information registration terminal. When transmitting through the financial network, it is characterized in that receiving the designated exchange rate transfer information in conjunction with the interface unit 1005, and provides the received designated exchange rate transfer information to the validity check unit 1020.

The validity confirming unit 1020 is characterized by checking whether the designated exchange rate transfer information received from the information registration terminal satisfies the validity for the international transfer corresponding to the specified exchange rate.

According to an embodiment of the present invention, the validity check on the designated exchange rate remittance information includes whether at least one ledger information matching the designated exchange rate remittance information is registered in the ledger D / B on the financial system linked to the information registration system. It is preferable to include checking.

For example, the validity check of the designated exchange rate transfer information includes checking whether the customer information included in the designated exchange rate transfer information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check on the designated exchange rate transfer information includes checking whether the account information included in the designated exchange rate transfer information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

When the validity of the designated exchange rate transfer information is confirmed, the information storage unit 1025 links and processes the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information included in the designated exchange rate transfer information. And the storage medium 1030 is provided in the information registration server 1000 or on the network associated with the information registration server 1000. 1025 is preferably stored in the storage medium 1030 by processing the customer information, overseas remittance account information, overseas remittance information, designated exchange rate information included in the received designated exchange rate transfer information, the storage medium (1030). If 1030 is provided in the DBMS provided on the financial system, the information storage unit 1025 is the customer information, foreign remittance account information, overseas remittance information, designated exchange rate information contained in the received designated exchange rate transfer information Through the FEP system on the financial system provided to step information it is preferably stored in a DBMS provided on the financial system.

FIG. 11 is a diagram illustrating a designated exchange rate transfer information structure stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for overseas transfers corresponding to a designated exchange rate according to an embodiment of the present invention.

In more detail, in FIG. 11, when the storage medium 1030 illustrated in FIG. 10 is a ledger D / B provided in a DBMS on a financial system, the customer information and international remittance are transferred to the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method in which designated exchange rate transfer information, including account information, foreign remittance information, and designated exchange rate information, is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to or modifying 11, various information construction methods for storing the designated exchange rate remittance information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is illustrated in FIG. It is not limited only to the implementation method.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

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

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

Referring to FIG. 11, the designated exchange rate remittance information provided through the information registration system shown in FIG. 10 is stored in the form of additional information added to the account ledger. Remittance account information, overseas remittance information, the specified exchange rate information characterized in that it comprises at least one.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

According to another exemplary embodiment of the present invention, the designated exchange rate remittance information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

12 is a diagram illustrating a designated exchange rate transfer information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the international transfer corresponding to the designated exchange rate in accordance with another embodiment of the present invention to be.

More specifically, FIG. 12 illustrates an information structure of an embodiment in which the storage medium 1030 illustrated in FIG. 10 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the specified exchange rate transfer information in association with the ledger D / B in a predetermined database by referring to or modifying this drawing 12 It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 12, when the designated exchange rate remittance information is not easily stored in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change or system expansion is not easy due to the nature of the financial system), the designated exchange rate transfer information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 12 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 12, and the database on the Internet banking system, or telebanking, according to the intention of the skilled person It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 12, the database stores and stores the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information in association with the designated exchange rate remittance information. Preferably, the designated exchange rate remittance information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and recipient account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

FIG. 13 is a diagram illustrating a structure of designated exchange rate transfer information stored in a DBMS provided in a banking server in a face-to-face manner for overseas transfers corresponding to a designated exchange rate according to another embodiment of the present invention.

More specifically, FIG. 13 shows a DBMS in which the storage medium 1030 shown in FIG. 10 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention pertains, the designated exchange rate is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 13 It will be possible to infer a method of constructing information on remittance information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, a predetermined DBMS provided in the banking server is characterized by storing the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information in connection with the designated exchange rate remittance information. .

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

14 is a diagram illustrating a process of registering designated exchange remittance information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 14 shows a case where the information registration server 1000 on the information registration system shown in FIG. 10 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the teller terminal connects to the information registration server 1000, connects a communication channel for information registration according to the present invention, and sends the customer information and overseas remittance to the information registration server 1000 through the communication channel. When the designated exchange rate remittance information including account information, international remittance information, and designated exchange rate information is transmitted, customer information included in the designated exchange rate remittance information received from the information registration server 1000, overseas remittance account information, and international remittance The present invention relates to an implementation method of linking information and designated exchange rate information to a predetermined storage medium 1030, and those skilled in the art to which the present invention pertains. Although various implementation methods of registering the designated exchange rate remittance information with the information registration server 1000 may be inferred from the counter terminal with reference to or modified with reference to FIG. 14, the present invention includes all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the window terminal shown in FIG. 10 is referred to as a "terminal" for convenience, and the information registration server 1000 shown in FIG. 10 is referred to as a "server" for convenience, and the information is registered in the window terminal. The customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information transmitted to the server 1000 are referred to as "specified exchange rate remittance information" for convenience.

Referring to FIG. 14, a window terminal shown in FIG. 10 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the designated exchange rate remittance information, and corresponds to a foreign currency corresponding to the designated exchange rate. When requesting to register the designated exchange rate remittance information for remittance (1400), the server generates (or extracts) a predetermined information registration interface for registering the designated exchange rate remittance information (1405), and through the communication channel The generated (or extracted) information registration interface is transmitted to the terminal and output (1410).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) designated exchange rate remittance information including at least one of the customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information in the terminal. It is preferred to include an interface.

Thereafter, the terminal inputs (or selects) designated exchange rate remittance information including at least one or more customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information through the information registration interface (1415).

If the designated exchange rate remittance information including the customer information, overseas remittance account information, foreign remittance information, designated exchange rate information is input (or selected) through the information registration interface (1420), the terminal receives the financial network. The designated exchange rate remittance information including the inputted (or selected) customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information is transmitted to the server (1425).

Thereafter, the server receives and reads the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information through the financial network to confirm the validity of the designated exchange rate remittance information (1430).

According to an embodiment of the present invention, the validity check on the designated exchange rate remittance information includes whether at least one ledger information matching the designated exchange rate remittance information is registered in the ledger D / B on the financial system linked to the information registration system. It is preferable to include checking.

For example, the validity check of the designated exchange rate transfer information includes checking whether the customer information included in the designated exchange rate transfer information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check on the designated exchange rate transfer information includes checking whether the account information included in the designated exchange rate transfer information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is desirable that it be done.

If the validity of the designated exchange rate remittance information is not authenticated (1435), the server generates predetermined information registration error information and transmits it to the terminal (1440), and performs an information registration procedure corresponding to the designated exchange rate remittance information. Do not perform.

On the other hand, if the validity of the designated exchange rate transfer information is authenticated (1435), the server performs an information registration procedure corresponding to the designated exchange rate transfer information, the customer information, overseas remittance account information, overseas remittance information, designated exchange rate information In step 1445, the linkage processing is performed in a predetermined storage medium 1030.

According to one embodiment of the invention, the storage medium 1030 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1030 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1030 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1450), thereby completing the procedure of registering the designated exchange rate remittance information transmitted from the terminal.

15 is a diagram illustrating a non-face-to-face information registration system for overseas remittance corresponding to a designated exchange rate according to another embodiment of the present invention.

More specifically, Figure 15 shows at least one of customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information for a foreign customer corresponding to the designated exchange rate to the information registration system through a predetermined information registration interface. When the designated exchange rate remittance information including the above information is provided, a predetermined storage medium may be linked by processing the customer information, overseas remittance account information, foreign remittance information, and the designated exchange rate information included in the designated exchange rate remittance information provided by the information registration system. 1530), and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 15 to configure information registration system for overseas remittance corresponding to a specified exchange rate. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing, on the storage medium 1530, the designated exchange rate transfer information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 1500" for convenience.

Referring to FIG. 15 according to an embodiment of the present invention, an information registration system for overseas remittance corresponding to the designated exchange rate includes at least a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. Characterized in that it comprises one or more information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 1500 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 1500 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the designated exchange rate remittance information for overseas remittance corresponding to the designated exchange rate is input (or selected) through at least one user interface provided by the information registration server 1500, the client terminal receives the designated exchange rate remittance information through a predetermined network means. It is preferable to transmit to the information registration server 1500 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

In addition, the information registration server 1500 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 1500 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1500, and inputs and / or selects at least one or more information through the user interface to the information registration server 1500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 1500, 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the above information registration system, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 1500 and And / or the wireless communication network performs a function of an information registration interface for the customer to register designated exchange rate remittance information for overseas remittance corresponding to the designated exchange rate.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A financial automation device (not shown) including a CD) and / or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown) of the, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, and / or the financial institution Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with, may further include the present invention is not limited thereto.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown) and the information registration server 1500 The financial network for connecting the customer to perform the function of the information registration interface for registering the designated exchange rate transfer information for the international transfer corresponding to the specified exchange rate, and / or the information registration terminal is the call terminal (not shown) ), A wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1500 to allow the customer to send an overseas remittance corresponding to the designated exchange rate. An institution affiliated with the financial institution that performs the function of an information registration interface for registering the designated exchange rate remittance information, and / or the information registration terminal If the terminal (and / or server) (not shown) provided, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 1500 The connecting network performs a function of an information registration interface for the customer to register designated exchange rate remittance information for overseas remittance corresponding to the designated exchange rate.

The storage medium 1530 provided on the information registration system according to the present invention stores the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information included in the designated exchange rate remittance information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 1530 by the cooperative process, and including at least one or more of the customer information, overseas remittance account information, overseas remittance information, exchange rate information stored in the storage medium 1530 The exchange rate remittance information is used for overseas remittance corresponding to the specified exchange rate.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1530 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 1500 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1500 is connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the outside world of the financial system through the internet banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the Internet banking server (and / or the server (or device)). Or / or a program provided to the external world on the financial system, whereby the present invention is limited. Not.

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

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1500 is located on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited The.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1500 is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1500 is characterized in that it comprises an interface unit 1505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1505 is a protocol stack defined in the wired communication network and / or a wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

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

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1505 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1505 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 15, the information registration server 1500 connects a communication channel with the information registration server 1500 through the interface unit 1505 and then connects the communication unit 1505 with the interface unit 1505. An interface providing unit 1510 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined designated exchange remittance information from the information registration terminal to the information registration terminal; An information receiving unit 1515 for receiving predetermined designated exchange rate transfer information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1505, and the received designated rate transfer information. An information storage unit 1525 storing the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information in a predetermined storage medium 1530, The comparison made is characterized.

The interface providing unit 1510 connects a communication channel with the information registration server 1500 through the interface unit 1505, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) designated exchange rate remittance information to the information registration server 1500 via the network means, and / or extracting from a predetermined database (not shown), and The user interface generated in conjunction with the interface unit 1505 may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) designated exchange rate remittance information including at least one of the customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information based on the user interface, and the input ( Or selects) and transmits the designated exchange rate remittance information to the information registration server 1500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1510 may include the client. Generating (or extracting) a predetermined user interface provided by a browser program and / or a communication program provided in the terminal, and providing the generated (or extracted) user interface to the client terminal through the interface unit 1505. It is preferable.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1510 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 1505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1510 may include a browser program provided in the client terminal and / or 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 1505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1510 is connected to the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1505. It is desirable to.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1510 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1505.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the designated exchange rate transfer information to the information registration terminal and transmitting the information to the information registration server 1500 through the network means. When the information registration program is provided, the interface providing unit 1510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 1515 inputs (or selects) designated exchange rate remittance information including at least one of customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information through the user interface in the information registration terminal. When transmitting through a network means, it is characterized in that receiving the designated exchange rate transfer information in conjunction with the interface unit 1505, and provides the received designated exchange rate transfer information to the validity check unit 1520.

The validity confirming unit 1520 is characterized by checking whether the designated exchange rate transfer information received from the information registration terminal satisfies the validity for the international transfer corresponding to the specified exchange rate.

According to an embodiment of the present invention, the validity check on the designated exchange rate remittance information includes whether at least one ledger information matching the designated exchange rate remittance information is registered in the ledger D / B on the financial system linked to the information registration system. It is preferable to include checking.

For example, the validity check of the designated exchange rate transfer information includes checking whether the customer information included in the designated exchange rate transfer information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check on the designated exchange rate transfer information includes checking whether the account information included in the designated exchange rate transfer information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

When the validity of the designated exchange rate remittance information is confirmed, the information storage unit 1525 combines the customer information, the overseas remittance account information, the international remittance information, the designated exchange rate information in the designated exchange rate transfer information and the storage medium And the storage medium 1530 in the information registration server 1500 or in the network associated with the information registration server 1500. 1525 is preferably stored in the storage medium 1530 by linking and processing the customer information, overseas remittance account information, overseas remittance information, designated exchange rate information included in the received designated exchange rate transfer information, the storage medium ( When the 1530 is provided in the DBMS provided on the financial system, the information storage unit 1525 includes the customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information included in the received designated exchange rate remittance information. Through the FEP system on the financial system provided to step information it is preferably stored in a DBMS provided on the financial system.

FIG. 16 is a diagram illustrating a designated exchange rate transfer information structure stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for overseas transfers corresponding to a designated exchange rate according to an embodiment of the present invention.

In more detail, in FIG. 16, when the storage medium 1530 illustrated in FIG. 15 is a ledger D / B provided in a DBMS on a financial system, the customer information and international remittance are transferred to the ledger information provided in the ledger D / B. FIG. 16 illustrates an information structure for an implementation method in which designated exchange rate transfer information including account information, foreign remittance information, and designated exchange rate information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the designated exchange rate remittance information in the ledger D / B, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 16 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and account ledger shown in FIG. 16, B further includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so the detailed description thereof is omitted for convenience. .

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

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

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

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

Referring to FIG. 16, the designated exchange rate transfer information provided through the information registration system shown in FIG. 15 is stored in the form of additional information added to the account ledger. Remittance account information, overseas remittance information, the specified exchange rate information characterized in that it comprises at least one.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

According to another exemplary embodiment of the present invention, the designated exchange rate remittance information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

FIG. 17 illustrates a structure of designated exchange rate remittance information stored in a database linked to a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for overseas remittance corresponding to a designated exchange rate according to another embodiment of the present invention. Drawing.

More specifically, FIG. 17 illustrates an information structure of an exemplary embodiment in which the storage medium 1530 shown in FIG. 15 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information for storing the designated exchange rate transfer information in association with the ledger D / B in a predetermined database by referring to and / or modifying the drawing 17. Although the construction method may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 17, when the designated exchange rate remittance information is not easily stored in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change or system expansion is not easy due to the nature of the financial system), the designated exchange rate transfer information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 17 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 17, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 17, the database stores and stores the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information in association with the designated exchange rate remittance information. Preferably, the designated exchange rate remittance information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer, desirable.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

FIG. 18 is a diagram illustrating a designated exchange rate transfer information stored in a DBMS provided in a banking server in a non-face-to-face manner for an international transfer corresponding to a designated exchange rate according to another embodiment of the present invention.

In more detail, FIG. 18 shows a predetermined banking system in which the storage medium 1530 shown in FIG. 15 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, provided with at least one or more banking server by referring to and / or modifying the figure 18 Although it is possible to infer a method of constructing information on designated exchange rate remittance information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 18, a predetermined DBMS provided in the banking server may store and store customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information in the designated exchange rate remittance information. .

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system provided to the financial institution corresponding to the customer by subscribing to the customer. Do.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

19 is a diagram illustrating a process of registering designated exchange rate remittance information in a non-face-to-face manner for overseas remittance corresponding to a designated exchange rate according to an embodiment of the present invention.

More specifically, in FIG. 19, when the information registration server 1500 on the information registration system shown in FIG. 15 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 1500 to connect the communication channel for information registration according to the present invention, the customer information, overseas remittance account information, foreign money transfer information, to the information registration server 1500 through the communication channel, When the designated exchange rate transfer information including the designated exchange rate information is transmitted, the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information are included in the received designated exchange rate transfer information at the information registration server 1500. The present invention relates to a method of processing and storing the same in a predetermined storage medium 1530. While referring to page 19 and / or modified, various implementation methods of registering the designated exchange rate remittance information from the client terminal to the information registration server 1500 may be inferred, but the present invention includes all the implementation methods inferred. The present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the client terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in FIG. 15 is called "server" for convenience, and the information registration in the client terminal The customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information transmitted to the server 1500 are referred to as "specified exchange rate remittance information" for convenience.

Referring to FIG. 19, the client terminal illustrated in FIG. 15 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). The predetermined exchange rate for connecting to a server through a communication network and / or an IEEE 802.16x based portable Internet, etc., connecting a predetermined communication channel for registering the designated exchange rate remittance information, and for an international remittance corresponding to the designated exchange rate. When requesting remittance information registration (1900), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the designated exchange rate remittance information (1905), and generates the information through the communication channel ( Alternatively, the extracted web page is transmitted to the terminal and output (1910).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) designated exchange rate remittance information including at least one of the customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information in the terminal. It is preferred to include an interface.

In addition, the web page transmission and / or output process is preferably performed at least once according to the designated exchange rate transfer information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) designated exchange rate remittance information including at least one or more customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information through the information registration interface (1915).

If the designated exchange rate remittance information including the customer information, overseas remittance account information, foreign remittance information, designated exchange rate information is input (or selected) through the information registration interface (1920), the terminal receives the communication channel. Through the input (or selected) the customer information, overseas remittance account information, overseas remittance information, the designated exchange rate information is transmitted to the server (1925).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information to the server through the communication channel is input through the information registration interface. (Or selected) the designated exchange rate remittance information may be further transmitted to the server by electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the overseas remittance account information, the overseas remittance information, and the designated exchange rate information through the communication channel to confirm the validity of the designated exchange rate remittance information (1930).

According to an embodiment of the present invention, confirming the validity of the designated exchange rate transfer information, if the designated exchange rate transfer information is electronic signature and / or encrypted through the security module provided in the terminal, the designated exchange rate transfer information And / or decrypting the designated exchange rate remittance information.

According to an embodiment of the present invention, the validity check on the designated exchange rate remittance information includes whether at least one ledger information matching the designated exchange rate remittance information is registered in the ledger D / B on the financial system linked to the information registration system. It is preferable to include checking.

For example, the validity check on the designated exchange rate remittance information includes checking whether the customer information included in the designated exchange rate remittance information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make it.

In addition, the validity check on the designated exchange rate transfer information includes checking whether the account information included in the designated exchange rate transfer information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

If the validity of the designated exchange rate remittance information is not authenticated (1935), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1940) and corresponds to the designated exchange rate remittance information. Do not perform the information registration procedure.

On the other hand, if the validity of the designated exchange rate transfer information is authenticated (1935), the server performs an information registration procedure corresponding to the designated exchange rate transfer information, the customer information, overseas remittance account information, overseas remittance information, designated exchange rate information In operation 1945, the data is stored in a predetermined storage medium 1530 in a cooperative process.

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1530 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1950), thereby completing the procedure of registering the designated exchange rate remittance information transmitted from the terminal.

20A and 20B illustrate a process of registering designated exchange rate remittance information in a non-face-to-face manner for overseas remittance corresponding to a designated exchange rate according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B illustrate a case in which the information registration system shown in FIG. 15 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the predetermined exchange rate remittance information for overseas remittance corresponding to a designated exchange rate is transmitted from the client terminal to the Internet banking server. When the designated exchange rate remittance information including customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information is transmitted, the customer information included in the designated exchange rate remittance information received from the information registration server 1500 and overseas remittance It relates to an implementation method of linking account information, foreign remittance information, and designated exchange rate information to a predetermined storage medium 1530. As a person of ordinary skill in the art to which the present invention pertains, the designated exchange rate remittance information is registered from the client terminal to the information registration server 1500 by referring to and / or modifying the drawings 20a and 20b. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 20A and 20B.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation and / or Netscape Navigator of Netscape, etc.) provided in the client terminal in FIGS. 20A and 20B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the designated exchange rate transfer information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 20a and 20b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Designated exchange rate Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for gold information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 20a and 20b, a telebanking system And / or a method of connecting a non-face-to-face channel-based financial transaction channel for registered exchange rate remittance information registration in another banking system such as a wireless banking system and / or a TV banking system, the present invention can infer the telebanking. The system and / or the wireless banking system and / or TV banking system and / or non-face-to-face channel banking system of the future proposed, including all kinds of non-face-to-channel based financial transactions, the technical configuration of the present invention is shown in Figure 20a It is by no means limited to the case of Internet banking shown in Figure 20b.

20A and 20B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1500 is referred to as " server "

20A and 20B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server communicates between the terminal and the server through the browser. (2005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided to the terminal and transmitted to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2010a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (2015a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2025a), or if the terminal does not need to install and / or update the Internet banking security module (2015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2030a), where the security for Internet banking A channel means a predetermined digital signature attached to information (or data) required for security among information (or data) included in a web page provided from the server to the terminal, and / or at least one encryption method ( And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the designated exchange rate information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registration of designated exchange rate remittance information. Attach a predetermined digital signature to information (or data) and / or at least one or more When encrypted and transmitted using an encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (2060a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined designated exchange rate remittance information for overseas remittance corresponding to the exchange rate designated by the server.

Subsequently, when the terminal requests internet banking-based designated exchange rate transfer information registration to the server through the inter-banking-based financial transaction channel for registration of designated exchange rate transfer information (2000b), the server registers the designated exchange rate transfer information. Generate (or extract) a web page corresponding to a predetermined information registration interface (2005b), and transmit and output the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel (2010b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) designated exchange rate remittance information including at least one of customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information in the terminal. And / or a predetermined password (eg, an account password, etc.) to confirm the validity of the Internet banking customer requesting registration of the designated exchange rate transfer information and / or the designated exchange rate transfer information. Or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or a One Time Password (e.g., after an internet banking application process (or after an internet banking application)) Interface to enter the OTP authenticator (or one-time password generated by the OTP authenticator) provided to the customer. It is preferable to further include.

In addition, the web page transmission and / or output process is preferably performed at least once according to the designated exchange rate transfer information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) designated exchange rate remittance information including at least one of the customer information, overseas remittance account information, foreign remittance information, and designated exchange rate information through the information registration interface (2015b).

If the designated exchange rate remittance information including the customer information, overseas remittance account information, foreign remittance information, designated exchange rate information is input (or selected) through the information registration interface (2020b), the terminal receives the financial transaction. The designated exchange rate remittance information input (or selected) is transmitted to the server through a channel (2025b).

According to an embodiment of the present invention, transmitting the designated exchange rate remittance information input (or selected) through the financial transaction channel to the server may include the designated exchange rate remittance information input (or selected) through the information registration interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the designated exchange rate remittance information through the financial transaction channel to confirm the validity of the designated exchange rate remittance information (2030b).

According to an embodiment of the present invention, confirming the validity of the designated exchange rate transfer information, if the designated exchange rate transfer information is electronic signature and / or encrypted through the security module provided in the terminal, the designated exchange rate transfer information And / or decrypting the designated exchange rate remittance information.

In addition, the validity check of the designated exchange rate transfer information, it is preferable to further comprise a password and / or security code and / or OTP included in the designated exchange rate transfer information.

According to an embodiment of the present invention, the validity check on the designated exchange rate remittance information includes whether at least one ledger information matching the designated exchange rate remittance information is registered in the ledger D / B on the financial system linked to the information registration system. It is preferable to include checking.

For example, the validity check of the designated exchange rate transfer information includes checking whether the customer information included in the designated exchange rate transfer information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check on the designated exchange rate transfer information includes checking whether the account information included in the designated exchange rate transfer information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

If the validity of the designated exchange rate remittance information is not authenticated (2035b), the server generates a web page including predetermined designated exchange rate transfer information registration error information and transmits it to the terminal (2040b), and the designated exchange rate remittance Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the designated exchange rate remittance information is authenticated (2035b), the server performs an information registration procedure corresponding to the designated exchange rate remittance information, so that the customer information, overseas remittance account information, The foreign remittance information and the designated exchange rate information are interlinked and stored in a predetermined storage medium 1530 (2045b).

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1530 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined designated exchange rate transfer information registration history information and transmits the generated webpage to the terminal (2050b), thereby completing the designated rate transfer information registration transmitted from the terminal.

21 is a diagram showing an overseas remittance account operating system for overseas remittance processing according to a designated exchange rate according to an embodiment of the present invention.

More specifically, FIG. 21 shows an overseas remittance according to the designated exchange rate by operating an overseas remittance account opened through the overseas remittance account opening system shown in FIG. 1 or 8 based on the overseas remittance account information stored in the storage medium. As a system configuration for achieving a process, those of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 21 for an overseas remittance account operating system for overseas remittance processing according to the specified exchange rate. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 21 according to an embodiment of the present invention, the foreign remittance account operating system is a financial system equipped with a ledger corresponding to an overseas remittance account opened through the foreign remittance account opening system shown in FIG. 1 or 8. And a storage medium for storing overseas remittance account information including at least one of the customer information, conditional exchange rate information, and option information, and operating the overseas remittance account in association with the financial system, wherein the overseas remittance account is stored in the storage medium. It is characterized in that it comprises a foreign remittance processing server (2100) for periodically checking the remittance account information to perform overseas remittance processing according to the specified exchange rate.

Here, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or is provided on at least one banking system All of them are possible, and this invention is not limited.

In addition, the overseas remittance processing server 2100 is a ledger server provided in the financial system, or a financial company server on the overseas remittance account opening system shown in FIG. 1 or 8, or as shown in FIG. 1 or 8. Various banking servers (eg, internet banking server, wireless banking server, tele banking server, home banking server, TV banking server, etc.) operating the overseas remittance account in connection with the established financial system or overseas remittance according to the designated exchange rate. It may be a separate server provided to achieve the process, by which the present invention is not limited.

In addition, in FIG. 21, the foreign money transfer server 2100 functions to operate the overseas money transfer account in connection with the financial system, and periodically checks the information about the money remittance account stored in the storage medium to the specified exchange rate. Although illustrated including all the functional configuration to achieve the overseas remittance processing according to the present invention, the present invention is not limited by this, the overseas remittance processing server 2100 is a separate server (or device) for each functional configuration It is clear that this can be achieved.

The financial system is a general term for a computer system having a ledger corresponding to the overseas remittance account opened through the overseas remittance account opening system shown in FIG. 1 or 8, and is basically a branch (or a branch) of the financial institution. At least one window terminal provided in the) and a predetermined financial network (for example, through the network), characterized in that connected to, through the window terminal provides at least one financial transaction service face-to-face financial services for customers. do.

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 it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server 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, 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 call 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 or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 21, 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. 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 each function performed in the components of the financial system 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 at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, 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) in a relational relationship. It is characterized in that it is processed and stored.

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

The storage medium stores foreign remittance account information including at least one of the customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information through an overseas remittance account opening system shown in FIG. 1 or 8. As a generic term of storage means, the storage medium is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or on at least one banking system, according to the intention of the skilled person. It is possible to be provided in all.

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the overseas remittance opening system in response to the customer It is preferable to make it.

The overseas remittance account information preferably comprises an account number, bank account number, password corresponding to the account opened in the name of the customer to which the target amount of money to be remitted by the customer is transferred abroad.

The overseas remittance information preferably includes payee information and payee account information for receiving the money remitted by the customer from abroad.

The designated exchange rate information is preferably made to include a range for the corresponding exchange rate that can be remitted in the process of exchanging the amount remitted by the customer.

Referring to FIG. 21, the overseas remittance processing server 2100 may include at least one terminal (eg, a customer wired or wireless network) for operating an overseas remittance account opened through the system for opening an overseas remittance account illustrated in FIG. 1 or 8. An interface unit 2105 for connecting a terminal, a counter terminal, a terminal including an automated device, etc., and a communication channel for operating the overseas remittance account, and operating the overseas remittance account from the terminal in connection with the interface unit 2105. An information receiving unit 2115 for receiving predetermined foreign remittance account transaction request information for an account, and an account management unit 2120 for operating the overseas remittance account in connection with the financial system based on the received overseas remittance account transaction request information; (Or means), and according to the intention of the person skilled in the art, the account manager 2120 has at least two more detailed It can be made of a functional component (or means), and to which the present invention is not limited.

According to an embodiment of the present invention, when the terminal is an employee terminal connected to a predetermined communication network (for example, a financial network), the interface unit 2105 may be assigned to the employee terminal based on the protocol stack defined in the communication network. A communication interface for connecting and transmitting at least one information (or data) for the operation of the employee terminal and the overseas remittance account using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 2105 communicates with the terminal based on a protocol stack defined in the wired communication network. It is preferable to provide a communication interface connecting a channel and transmitting and receiving at least one or more information (or data) for operating the wired terminal and the overseas remittance account using a communication protocol defined in the financial transaction program provided in the terminal. Do.

For example, when the terminal is equipped with a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2105 connects a communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the overseas remittance account using an HTTP protocol defined in a browser program. .

Alternatively, when the terminal is provided with a predetermined financial transaction program directly interworking with the overseas remittance processing server 2100, the interface unit 2105 connects a communication channel with the customer terminal based on the TCP / IP protocol. The present invention provides a communication interface for transmitting and receiving information (or data) for operating the overseas remittance account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 2105 is based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface connecting a communication channel and transmitting and receiving at least one or more information (or data) for operating the overseas remittance account using a communication protocol defined in the financial transaction program provided in the terminal.

For example, when the terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 2105 connects a communication channel with the terminal based on the CDMA / WCDMA protocol. And a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information (or data) for operating the overseas remittance account using the WAP / ME protocol defined in the browser program. ) Provides an interface for transmitting and receiving.

Alternatively, when the terminal is provided with a predetermined financial transaction program directly interworking with the overseas remittance processing server 2100, the interface unit 2105 connects a communication channel with the terminal based on the CDMA / WCDMA protocol. It provides a communication interface for transmitting and receiving information (or data) for operating the overseas remittance account using a communication protocol defined in the financial transaction program.

The information receiving unit 2115 is connected to the interface unit 2105, characterized in that for receiving the foreign money transfer account request information for the operation of the overseas money transfer account from the terminal, the received foreign money transfer transaction request Information is provided to the financial account manager 2120.

The account manager 2120 may perform various financial transaction procedures for the overseas remittance account in connection with the financial system based on the received overseas remittance account transaction request information.

According to an embodiment of the present invention, when the overseas remittance account transaction request information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn), The account manager 2120 may perform a deposit transaction procedure for the overseas remittance account in connection with the financial system based on the overseas remittance account transaction request information, and the details of the deposit transaction correspond to the overseas remittance account. It is preferable to record in the ledger.

According to another embodiment of the present invention, withdrawal transaction request information (for example, a withdrawal transaction amount and a withdrawal amount from the overseas remittance account) is deposited in the overseas remittance account transaction request information. ), It is preferable that the account manager 2120 performs a withdrawal transaction (or transfer transaction) procedure for the foreign remittance account in connection with the financial system based on the foreign remittance account transaction request information. Preferably, the withdrawal transaction is recorded in the ledger corresponding to the overseas remittance account.

In addition, the account management unit 2120 periodically checks the amount deposited in the overseas remittance account, and the interest (or proceeds) on the deposit amount according to the interest rate (or yield) corresponding to the overseas remittance account. It is preferable to calculate, deposit the calculated interest (or proceeds) into the overseas remittance account, and record the interest (or proceeds) deposit details in the ledger corresponding to the overseas remittance account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 21, the overseas remittance processing server 2100 may operate the overseas remittance account by the account manager 2120 in connection with the financial system for overseas remittance processing according to the designated exchange rate. An information confirmation unit 2110 (or means) for confirming customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information included in the overseas remittance account information in association with the storage medium; An information determination unit 2125 (or means) for determining whether overseas remittance through the overseas remittance account is possible based on the confirmed customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information; Or a remittance processing unit 2130 (or means) for performing overseas remittance processing or processing in a waiting state for remittance abroad. The account operating means) is characterized in that for operating the overseas remittance account in conjunction with the remittance processing unit 2130 based on the overseas remittance account information, foreign remittance information, the designated exchange rate information.

The information confirming unit 2110 performs the overseas remittance account in connection with the financial system by the account manager 2120 in order to process the international remittance according to the designated exchange rate. It is characterized in that the customer information contained in the remittance account information, overseas remittance account information, overseas remittance information, the designated exchange rate information.

The information determining unit 2125 determines whether overseas remittance through the overseas remittance account is possible based on the confirmed customer information, overseas remittance account information, overseas remittance information, and designated exchange rate information in connection with the financial system. The determination result is provided to the remittance processing unit 2130.

For example, the information determining unit 2125 may determine whether overseas remittance is possible by comparing a designated exchange rate designated by the customer with a current exchange rate.

The remittance processing unit 2130 may perform an overseas remittance process or process a foreign remittance standby according to the determination result.

In this case, when the determination result of the information determination unit 2125 is capable of overseas remittance, remittance processing is performed at a designated exchange rate according to the overseas remittance request of the customer, and the determination result of the information determination unit 2125 may be remitted overseas. If it is not, the remittance processing unit 2130 is regarded as the international remittance request as a standby state, characterized in that to check periodically meet the designated exchange rate.

22 is a diagram illustrating a process of processing an overseas remittance according to a designated exchange rate using an overseas remittance account according to an embodiment of the present invention.

In more detail, FIG. 22 is based on the overseas remittance account stored in the storage medium, the overseas remittance account opened through the system for opening an overseas remittance account shown in FIG. The foreign remittance amount requested according to the account transaction request information is for the international remittance processing process according to the designated exchange rate, and a person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify this drawing 22 to specify the exchange rate specified above. Various implementation methods for the overseas remittance process according to the present invention can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 22, the financial transaction terminal shown in FIG. 21 is referred to as a "terminal" for convenience, and the overseas remittance processing server 2100 shown in FIG. 21 is referred to as a "server" for convenience. The customer information and financial transaction information transmitted to the remittance processing server 2100 are referred to as "overseas remittance account transaction request information" for convenience.

Referring to FIG. 22, the terminal illustrated in FIG. 15 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, or IEEE). Connect a predetermined communication channel for transmitting the overseas remittance account transaction request information by accessing the server through an 802.16x-based mobile Internet, and the foreign remittance account request information for currency exchange using the overseas remittance account. When requesting transmission (2200), the server generates (or extracts) a web page corresponding to a predetermined overseas remittance account transaction interface for the foreign remittance account transaction (2205), and generates (or retrieves) through the communication channel. The extracted web page is transmitted to the terminal and output (2210).

According to an embodiment of the present invention, the overseas remittance account transaction interface includes at least one or more of the customer information, withdrawal account information, overseas remittance account information, and deposit (or transfer) amount information (or withdrawal amount information) in the terminal. It is preferable to include a user interface for inputting (or selecting) overseas remittance account transaction request information.

In addition, the web page transmission or output process is preferably performed at least once in accordance with the overseas remittance account transaction procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs the overseas remittance account transaction request information including at least one of customer information, withdrawal account information, overseas remittance account information, and deposit (or transfer) amount information (or withdrawal amount information) through the information registration interface ( Or select (2215).

If the terminal receives (or selects) foreign remittance account transaction request information including the customer information, withdrawal account information, overseas remittance account information, and deposit (or transfer) amount information (or withdrawal amount information) through the information registration interface; 2220, the terminal transmits the input (or selected) customer information, withdrawal account information, overseas remittance account information, deposit (or transfer) amount information (or withdrawal amount information) to the server through the communication channel. Transmit (2225).

According to an embodiment of the present invention, the customer information, withdrawal account information, overseas remittance account information, deposit (or transfer) amount information (or withdrawal amount information) transmitted through the communication channel is transmitted to the server. The method may further include transmitting an electronic signature or encryption through the security module provided in the terminal to the server, via the security module provided in the terminal, to transmit the foreign remittance account transaction request information input (or selected) through the overseas remittance account transaction interface. .

Thereafter, the server receives and reads the customer information, the withdrawal account information, the overseas remittance account information, the deposit (or transfer) amount information (or the withdrawal amount information) through the communication channel (2230), and the overseas remittance account transaction. The designated exchange rate information corresponding to the requested information is checked from the storage medium (2235).

In operation 2240, the server compares the designated exchange rate information identified from the storage medium with the current exchange rate information to determine whether the current exchange rate information corresponds to the designated exchange rate information.

If the current exchange rate information does not match the designated exchange rate information and the foreign currency remittance requested by the customer is not possible (2245), the server generates (extracts) transaction non-transaction information and transmits it to the terminal (2250).

On the other hand, if the current exchange rate information is matched with the designated exchange rate information and the foreign currency requested by the customer is possible (2245), the server performs an overseas remittance process corresponding to the overseas remittance account transaction request information (2255), and the overseas Remittance processing history information is generated (extracted) and transmitted to the terminal (2260).

According to the present invention, it provides customers with a currency exchange tool that can prepare for exchange rate fluctuations in advance to provide a variety and convenience necessary for exchange, and has the advantage that it can meet the various needs of overseas travel customers in the ever-increasing trend.

In addition, financial institutions have the advantage of increasing profits and market share by increasing exchange rate.

Claims (4)

Storing the designated exchange rate information allowing the foreign currency remittance of the customer in connection with the foreign remittance account information of the customer in a storage medium; Receiving the overseas remittance account transaction request information of the customer; Confirming designated exchange rate information associated with the overseas remittance account information of the customer from a storage medium; Comparing the identified exchange rate information with the exchange rate information at the time of the overseas remittance account transaction request, and confirming whether the exchange rate information at the time of the overseas remittance account transaction request is consistent with the designated exchange rate information; And And processing the overseas remittance corresponding to the overseas remittance account transaction request information when the exchange rate information at the time of the overseas remittance account transaction request corresponds to the designated exchange rate information. The method of claim 1, When the exchange rate information at the time of the overseas remittance account transaction request does not meet the designated exchange rate information, waiting for international remittance corresponding to the overseas remittance account transaction request information; . A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for processing the designated exchange rate information for allowing a customer's foreign currency remittance in association with the overseas remittance account information of the customer to store in a storage medium; Means for confirming designated exchange rate information associated with the foreign remittance account information of the customer from the storage medium, when the foreign remittance account transaction request information of the customer is received from the terminal; By comparing the identified exchange rate information and the exchange rate information at the time of the overseas remittance account transaction request, and confirming that the exchange rate information at the time of the overseas remittance account transaction request conforms to the designated exchange rate information, the exchange rate information at the time of the overseas remittance account transaction request is And a means for processing an overseas remittance corresponding to the overseas remittance account transaction request information, when the exchange rate corresponds to the designated exchange rate information.

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