KR20090036165A - Method and system for transferring money through mail banking linked to online account and recording medium therefor - Google Patents

Abstract

A fund transferring method and system through the mail banking associated with an online account and a recording medium therefor are provided to process the fund transferring between online accounts and from an online account to a real account, in real time regardless of the time. When the online account of a recipient is confirmed, a mail sending unit(1045) transmits a mail for requesting the recipient's consent to transfer a fund to a mail account of the recipient. If the consent is confirmed, a real name confirming unit(1035) checks whether the real names of online accounts of a sender and the recipient can be confirmed. If the real name of the sender's online account is confirmed, a mail banking processor(1050) processes the transaction money so as to be withdrawn based on the real account transfer method. If the real name of the recipient's online account is confirmed, the mail banking processor processes the withdrawn transaction money so as to be deposited in the online account of the recipient based on the real account transfer method.

Description

System and Method for Transfering Mail Banking Linked Online Account and Recording Medium}

1 is a diagram illustrating an online account registration system including an online account linked mail banking account registration according to an embodiment of the present invention.

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

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

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

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

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

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

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

10 illustrates a mail banking system associated with an online account according to an embodiment of the present invention.

11A and 11B illustrate an information processing process for mail banking associated with an online account according to an embodiment of the present invention.

12 is a diagram illustrating a mail banking process associated with an online account according to an embodiment of the present invention.

<Description of main parts of drawing>

1000: mail banking server 1005: interface unit

1010: interface providing unit 1015: information receiving unit

1020: information transmission unit 1025: validation unit

1030: remitter online account verification unit 1035: real name verification unit

1040: Recipient Online Account Confirmation Section 1045: Mail Sending Section

1050: mail banking processing unit 1055: online account management server

1060: customer terminal

The present invention provides an online account registration means for registering mail banking account information linking the online account information and customer mail account information as an additional information ledger in a ledger corresponding to an online account, and a remitter for transferring funds through a mail account from a customer terminal. Information receiving means for receiving mail account information, transaction amount information and payee mail account information, online account checking means for checking online account information included in the mail banking account information registered in the ledger; A mail sending means for sending a payee consent request mail for the transfer of funds to the payee mail account; and a real name for checking whether a real name is verified for the sender online account and the payee online account when confirming the payee consent for the transfer of money; Uncertainty for verification means and the remitter's online account When the transaction amount is withdrawn from the remitter's online account using a remittance method, or when the real name of the remitter's online account is confirmed, the transaction amount is withdrawn from the remitter's online account by a real account transfer method. If the real name of the payee online account is not confirmed, the withdrawal transaction amount is processed to be deposited into the payee online account in a charging manner, or upon confirmation of the real name of the payee online account, the withdrawal transaction amount is transferred to the real account transfer method. The present invention relates to a money transfer system through mail banking associated with an online account having a mail banking processing unit for processing a deposit to the payee online account.

An object of the present invention for solving the above problems is the step of registering the mail banking account information linking the online account information and the customer mail account information in the ledger corresponding to the online account in the online account registration means as an additional information ledger, information Receiving means for receiving the remitter's mail account information, transaction amount information and the recipient's mail account information for the transfer of funds through the mail account from the customer terminal, and in the online bank checking means included in the mail banking account information registered in the ledger Verifying the online account information, upon checking the payee online account in a mail sending means, sending a request for consent of the payee for the transfer of funds to the payee mail account, and confirming the payee consent for the transfer of money, and mail banking processing The transaction amount from the remitter online account in Sudan Bans, and the amount of the withdrawal transactions transfer funds to provide through the mail and online banking linked accounts, comprising the step of processing to be credited to the payee account online.

In the money transfer system through mail banking associated with an online account according to the present invention, an online account registration for registering the mail banking account information linked with the online account information and the customer mail account information in a ledger corresponding to the online account as an additional information ledger Means for receiving the remitter's mail account information, the transaction amount information and the recipient's mail account information for the transfer of funds through the mail account from the customer terminal; and the online account information included in the mail banking account information registered in the ledger. On-line account verification means for confirming the; and when the online account verification of the beneficiary, a mail sending means for sending a recipient consent request mail for the transfer of funds to the payee mail account; and when confirming the recipient consent for the transfer of funds; Check your real name for your online and payee online accounts Is a real name verification means and when the real name of the remitter online account is not confirmed, the transaction amount is withdrawn from the remitter online account using a remittance method, or when the real name of the remitter online account is confirmed, a real account from the remitter online account When the transaction amount is processed to be withdrawn by a transfer method, and when the real name of the payee online account is not confirmed, the withdrawal transaction amount is processed to be deposited into the payee online account by the charging method, or the real name verification about the payee online account is performed. In the case, the withdrawn transaction amount is characterized in that it comprises a mail banking processing means for processing to be deposited in the payee online account in a real account transfer method.

In a system for transferring money through a mail bank associated with an online account according to the present invention, the mail sending means may open an online account through a non-face-to-face channel with the payee mail account and the mail banking account when the payee online account is not confirmed. Sending an e-mail requesting registration.

On the other hand, the money transfer method through the mail banking associated with the online account according to the present invention, the mail banking account information linking the online account information and the customer mail account information to the ledger corresponding to the online account in the online account registration means additional information Registering with the ledger; receiving the remitter's mail account information, the transaction amount information, and the recipient's mail account information for the transfer of funds through the mail account from the information receiving means; and registering the ledger with the online account checking means. Checking the online account information included in the mail banking account information, and sending the request for consent of the money transfer to the payee mail account to the payee mail account when the mail sending means checks the payee online account. When confirming the recipient's consent, the remitter online in the mail bank processing means And withdrawing the transaction amount from the account and processing the withdrawn transaction amount to be deposited in the payee online account.

On the other hand, it includes a recording medium recording a program for executing a method for transferring funds through mail banking associated with the above-described online account.

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

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

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

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

1 is a diagram illustrating an online account registration system including an online account linked mail banking account registration according to an embodiment of the present invention.

In more detail, Figure 1 provides an online account application information for registering an online account including an online account linked mail banking account registration from the client terminal 175 to the web server 100 via a communication network. The web server 100 provides the online account application information provided from the customer terminal 175 to the online account management server 140 provided in the financial institution to open and manage the online account corresponding to the online account application information. As a configuration of the system, specifically, the online account is a diagram showing an implementation method for opening a virtual account in which a real account operated by a web server 100 operating institution (or a financial institution) is used as a parent account.

Those skilled in the art to which the present invention pertains, the virtual account form of the parent account of the real account operated by the web server 100 operating institution (or financial institution) by referring to and / or modifying the Figure 1 Although it is possible to infer an implementation method for a system for registering various types of online accounts including the online account linked mail banking account registration in addition to the online account of the present invention, the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering an online account in the form of a pseudo-new account which introduces the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, if a person of ordinary skill in the art to which the present invention pertains, a separate implementation method (for example, to register only the online account linked mail banking account with respect to a previously registered online account by referring to and / or modifying the drawing 1) However, an implementation method of registering the registered online account information and the mail account information as an additional information ledger of the ledger on the financial system) may be inferred, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account whose real account is operated by an operating institution (or a financial institution) of the web server 100 may be used. Access to the web server 100 (e.g., portal server, etc.) via a communication network, and verify the real name (e.g., financial real name under the Act on Real-name Financial Transactions and Confidentiality Act and Concurrent Enforcement Decree (Presidential Decree No. 15744)). Requesting online account registration (or opening) including the online account linked mail banking account registration, and providing the online server application information corresponding to the online account registration (or opening) to the web server 100 without confirmation). A customer terminal 175 and the customer terminal 175 is connected through a communication network to receive online account application information from the customer terminal 175, the application for the received online account Web server 100 that provides a report to the online account management server 140 provided in a financial institution, and the web server 100 is connected through a financial network to receive the online account application information from the web server 100 And an online account management server 140 for opening and processing an online account corresponding to the online account application information in the customer's name based on the received online account application information as a pseudonym, and the online processed with the pseudonym. It is equipped with a financial system for managing accounts.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system At least one interface module corresponding to a middleware platform and at least one of storing and managing information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. It is characterized in that it comprises a DBMS (DataBase Management System) consisting of the above database, the financial transaction through the financial system is the financial account is the law and co-decrees on real name financial transactions and secrecy (Presidential Decree 15744) It is valid when it corresponds to real name financial account corresponding to Is processed.

According to the implementation method of the present invention, the financial system is in accordance with the intention of a person skilled in the art, or the type (eg, commercial bank, savings bank, trust bank) of each financial institution provided with the financial system and the purpose and characteristics of the financial system. At least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), may be further included. If you have, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, the present invention is not limited thereby.

According to an exemplary embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal (not shown) and a financial network (for example, a branch network) provided at a branch (or a branch) of the financial institution. It is characterized in that connected through, through the counter terminal (not shown) provides a financial transaction service of the face-to-face manner for at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with the Internet banking server (not shown), the network connected to the TCP / IP-based backbone network (eg, wired Internet, or IEEE 802.11x) through the Internet banking server (not shown) At least one client terminal (eg, a personal computer (PC) equipped with the wired Internet access and browsing function, or a laptop, connected to a wireless LAN, or an IEEE 802.16x-based portable Internet) A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop or mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a wireless banking server (not shown), a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE) through the wireless banking server (not shown) At least one wireless terminal (e.g., a personal communication system (PCS) equipped with a connection and browsing function for the mobile communication network) or a GSM (Global System) connected to an 802.16x-based portable Internet or a wireless data communication network based on DataTAC / Mobitex. for a mobile terminal, or a PDA (Personal Digital Assistant), a smart phone (Smart Phone), or telematics (Telematics, etc.) to provide at least one financial transaction service to the at least one financial transaction customer.

In addition, the financial system is characterized in that it is linked to an IC chip-based wireless banking server (not shown), and based on a wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server (not shown) At least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communications network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that it is associated with a telebanking server (not shown), and through the telebanking server (not shown) to a wired voice call network (eg, Public Switched Telephone Network (PSTN)) At least one wireless communication terminal (e.g., a PCS or GSM terminal) connected to at least one wired telephone terminal (e.g., a telephone) or a wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)); Or a non-face-to-face financial transaction service to at least one financial transaction customer through a smartphone or the like.

In addition, the financial system is characterized in that associated with a home banking server (not shown), at least one or more home appliances (eg, digital TV connected to a home network) connected to a home network through the home banking server (not shown), Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

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

According to the present invention, a customer who registers an online account through an online channel may access the web server 100 through at least one or more customer terminals 175 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network. It receives various application services provided by the web server 100.

Here, the wired terminal connected to the wired communication network among the customer terminals 175 is a general term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop A computer, a notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise at least one or more.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a CDMA (Code Division Multiple Access) based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method, or Erricson's A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, and includes a personal communication system (PCS), a global system for mobile communications (GSM) terminal, or a personal digital cellular terminal connected to the CDMA-based mobile communication network. Personal Digital Cellular (PDC), or Personal Handyphone System (PHS) terminal, or Personal Digital Assistant (PDA), or Smart Phone, or Telematics, or the IEEE 802.16x based portable Internet A mobile Internet terminal connected to the wireless internet terminal or a wireless internet terminal connected to the DataTAC / Mobitex-based wireless data communication network. It comprises a data communication terminal, such as at least one is preferable.

The web server 100 is a customer terminal 175 including at least one of the wired terminal or the wireless terminal through the wired communication network or a wireless communication network, and a search service or at least one mini homepage. It is preferable to include a personalization service including a blog, a mail service, a messenger service, a portal server that provides various information providing services, or a search server.

According to the present invention, the web server 100 is at least one user interface for the customer to apply for an online account including the online account linked mail banking account registration through the wired communication network, or a communication network including a wireless communication network Characterized in that it provides an online account application interface including a to the customer terminal 175, the customer terminal 175 is an online account application including the online account linked mail banking account registration through the online account application interface Input (or select) information and transmit the information to the web server 100 through a wired communication network or a communication network including a wireless communication network.

To this end, the client terminal 175 outputs the online account application interface provided from the web server 100, inputs or selects at least one online account application information through the online account application interface, and selects the web server. It is preferable that a function configuration (for example, a browser program and communication function, or a communication program and communication function communicating with the web server 100, etc.) for transmitting to the 100 is provided.

Those skilled in the art to which the present invention pertains output an online account application interface provided from the web server 100 as described above, and input at least one online account application information through the online account application interface. Or, since it is possible to easily infer the characteristics of the customer terminal 175 corresponding to at least one or more wired terminal, or wireless terminal to select and transmit to the web server 100, a detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a communication channel with the customer terminal 175 through the communication network.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired communication network, or a wired terminal connected to a wireless communication network, or a wireless terminal, the interface unit 105 connects to the wired network or a wireless network. Connect a communication channel with the customer terminal 175 based on a defined protocol stack, and for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. It is desirable to provide a communication interface.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 is connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 175 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 175.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the customer terminal 175, the interface unit 105 is based on the CDMA protocol. 175) and a communication channel, and a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or communication for transmitting and receiving information using a WAP / ME protocol defined in the browser program. Provide an interface.

Referring to FIG. 1, the web server 100 is connected to the interface unit 105 when the customer terminal 175 accesses the web server 100 through the interface unit 105 or applies for an online account. To generate (or select) and send the online account request information from the client terminal 175 to generate an online account request interface including at least one user interface (or extract from a web source D / B (not shown)). Interface to provide to the customer terminal 175 and the online to input (or select) via the online account application interface in the customer terminal 175 in conjunction with the interface unit 105 Information receiving unit 120 for receiving the account application information and the information to provide the received online account application information to the online account management server 140 provided in a financial institution through a financial network It is characterized by comprising a relay unit (130).

In addition, the web server 100 is linked to the interface unit 105, at least one or more customer terminals 175, a search service including at least one or more information / content, or a personalized service including a mini homepage / blog, Or a web service unit 115 that provides a web-based service including at least one of a mail service, a messenger service, or various information providing services, and is commonly known in the art. If the person having a, the web server 100 will be familiar with how to provide the web-based service to at least one customer terminal 175 to perform the function of the portal server, or search server, for this Detailed description is omitted for convenience.

In addition, the web server 100 is applied for the online account received from the customer terminal 175 through the information receiving unit 120 for the post-management of the online account application information received through the information receiving unit 120. Mail account information (or the mail account information and the mail) of the customer including the information or included in the online account management server 140 and the mail banking account information based on the online account application information. And an information storage unit 125 for storing online account issuance information including at least one or more online account connection card information for processing a banking-based card payment in a storage medium 135. Here, the online account issuance information is the online account security information received from the customer terminal 175, the new provision processing agreement Beam (or trail rule application information), is preferably made to include ever more even one or more such virtual account management information, non-face-to-face financial transaction agreement information (or a non-face-to-face financial transaction application information).

The interface providing unit 110 corresponds to a functional configuration provided in the customer terminal 175 when the customer terminal 175 accesses the web server 100 through the interface unit 105 or applies for an online account. Input (or select) the online account application information to generate an online account application interface that can be transmitted to the web server 100 through the communication network, or extract from the database (not shown), and the interface unit 105 ) Provides an online account application interface generated (or extracted from a web source D / B (not shown)) to the customer terminal 175 through the communication network.

Thereafter, the customer terminal 175 inputs (or selects) the online account application information based on the online account application interface, and transmits the input (or selected) online account application information through the web network to the web server ( 100).

According to an exemplary embodiment of the present invention, when the customer terminal 175 includes a wired terminal connected to a wired communication network, the interface providing unit 110 may be provided as a browser program or a communication program provided in the wired terminal. Create an online account application interface (or extract from the web source D / B (not shown)), and apply for the online account generated through the interface unit 105 (or extracted from the web source D / B (not shown)) It is preferable to provide an interface to the customer terminal 175.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a wireless communication network, the interface providing unit 110 is provided as a browser program or a communication program provided in the wireless terminal. An online account generated (or extracted from a web source D / B (not shown)) possible online account application interface, and generated (or extracted from a web source D / B (not shown)) through the interface unit 105. It is preferable to provide an application interface to the customer terminal (175).

According to an embodiment of the present invention, the online account application interface may include an interface for selecting at least one or more online accounts to which the customer applies (or purchases) from at least one or more online accounts.

The online account application interface preferably includes an interface for confirming that the customer has confirmed detailed information about the online account.

In addition, the online account application interface, preferably outputs the terms and conditions information corresponding to the online account to the customer terminal 175, the customer includes an interface to agree to the terms.

The online account application interface may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the online account, and a financial account for depositing (or transferring) the amount to the online account. It is preferable to include an interface for inputting information (for example, original account information for depositing an amount into an online account).

In addition, the online account application interface may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the online account, Or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 100.

Thereafter, the customer terminal 175 corresponds to online account selection information for selecting at least one online account to which the customer applies (or purchases) of the plurality of online accounts through the online account application interface, and the online account selection information. Enter (or select) online account application information including at least one agreement information, the online account deposit amount information, and at least one customer information of the online account application customer, and the web server 100 through the communication network. To send.

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

In addition, the online account security information further includes a personal identification number (PIN), or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the communication network, or the online account application information further includes the online account security information in the web through the communication network. Send to server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted in an encrypted manner and transmitted to the web server 100.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer passes the information on the provision of the new regulations Preferably, the method further includes an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information or provisional application information for the customer applying for provisional processing for the online account.

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 175, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 100 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account using a real account that operates the online account corresponding to the online account application information in the web server 100 operating institution (or financial institution) as a parent account Virtual account processing including the mother account management institution information including at least one or more of the web server 100 operating institution (or financial institution) to register in the form, and the mother account information corresponding to the real account operated in the mother account operating institution It is preferable to further comprise an interface for inputting (or selecting) information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), the input (or selected) virtual account processing information is transmitted to the web server 100 through the communication network, or the virtual account processing information is further included in the online account application information. To the web server 100 through the communication network.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution by the customer terminal 175. It is preferable to further include an interface for outputting the financial transaction application terms information, and confirming that the customer has agreed to the financial transaction application terms, the interface may be omitted if the customer is a financial transaction customer of the financial institution. Or, according to the intention of the skilled person, the interface It may be included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified in.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server 100 through the communication network, or the financial account application information (not shown) is further included in the online account application information. In FIG. 1, the financial transaction application information is illustrated as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below for convenience.

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (175) Non-face-to-face financial transaction terms and conditions for processing transactions (e.g. signing up for Internet banking) Non-face-to-face financial transaction agreement information, or the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer further comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account An interface for acquiring (or applying for) a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through the at least one non-face-to-face financial transaction channel when the non-face-to-face financial transaction authentication can be omitted. May be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. Or to the web server 100 through the communication network further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information.

According to an embodiment of the present invention, the online account application interface preferably includes an interface for inputting (or selecting) the mail account information of the customer for registering the online account linked mail banking account.

When the customer terminal 175 is provided with an interface for inputting (or selecting) mail account information of a customer including the online account linked mail banking account registration, the customer terminal 175 receives the mail of the customer through the interface. After entering (or selecting) account information, the mail account information of the entered (or selected) customer is transmitted to the web server 100 through the communication network, or the customer's mail account in the online account application information. It further includes information and transmits to the web server 100 through the communication network.

According to an embodiment of the present invention, the online account application interface corresponds to a card issued in association with the online account for registration of the online account linked mail banking account (hereinafter referred to as an "online account linked card"). It is preferable to include an interface for inputting (or selecting) online account link card information.

If the customer terminal 175 is provided with an interface for inputting (or selecting) the online account linked card information including the online account linked mail banking account registration, the customer terminal 175 is connected to the online account through the interface. After inputting (or selecting) linked card information, the input (or selected) linked online account linked card information is transmitted to the web server 100 through the communication network, or the online account linked to the online account application information. The card information is further included and transmitted to the web server 100 through the communication network.

When the customer terminal 175 inputs (or selects) online account application information through the online account application interface and transmits the information through the communication network, the information receiver 120 interworks with the interface unit 105 to provide the online information. Characterized in that it receives the account application information, and provides the received online account application information to the information relay unit 130, or information storage unit 125.

The online account application information may include online account selection information for selecting at least one online account to which the customer applies (or purchases) among the plurality of online accounts, agreement information corresponding to the online account, and At least one online account deposit amount information is preferably included.

In addition, the customer terminal 175 inputs (or selects) online account security information through the online account application interface and transmits the information through the communication network, or the online terminal security information is transmitted from the customer terminal 175 to the online. When the transmission is included in the account request information, the information receiver 120 receives the online account security information in conjunction with the interface unit 105, and the received information on the online account security information relay 130, or to the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) provisional processing consent information (or provisional application information) through the online account application interface and transmits the data through the communication network, or at the customer terminal 175. If the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or trailing information). Rule application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the online account application interface, and transmits the information through the communication network, or the client terminal ( In step 175, when the virtual account processing information is transmitted to the online account application information, the information receiving unit 120 interoperates with the interface unit 105 and includes the mother account institution information and the mother account information. And receiving the information, and providing the received virtual account processing information to the information relay unit 130 or the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) financial transaction application information through the online account application interface and transmits the information through the communication network, or the customer terminal 175 transmits the financial transaction application information to the online. When the information is included in the account application information and transmitted, the information receiving unit 120 may receive the financial transaction application information in association with the interface unit 105, and the received information on the financial transaction application information relay unit 130, or to the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the online account application interface, and transmits the information through the communication network, or the customer terminal ( If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted to the online account application information in step 175, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 or the information. It is provided to the storage unit (125).

In addition, the customer terminal 175 inputs (or selects) the customer's mail account information through the online account application interface and transmits the information through the communication network, or the customer terminal 175 sends the mail account information of the customer. When the information is included in the online account application information and transmitted, the information receiving unit 120 receives the mail account information of the customer in cooperation with the interface unit 105, and receives the received mail account information of the customer. The information relay unit 130 or the information storage unit 125 is provided.

In addition, the customer terminal 175 inputs (or selects) online account linked card information through the online account application interface and transmits the data through the communication network, or the online terminal linked card information from the customer terminal 175. When the information is included in the online account request information and transmitted, the information receiver 120 receives the online account link card information in association with the interface unit 105, and transmits the received online account link card information. The information relay unit 130 or the information storage unit 125 is provided.

The information storage unit 125 stores the online account application information received through the information receiving unit 120 in the storage medium 135 by including the online account issuance information, whereby the web server ( 100 (or the web server 100 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135.

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

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

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 135, the virtual account processing information is the financial real name of the online account in the web server 100 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on a virtual account that is the parent account of the web server 100 operating institution (or financial institution) until confirmation.

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

When the mail account information of the customer is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information in which the mail account information of the customer is linked to the online account application information. And the mail account information of the customer is used as a means for designating a money transfer target in place of the online account in the mail banking process associated with the online account.

When the online account link card information is received through the information receiver 120, the information storage unit 125 stores the online account issuance information in which the online account link card information is linked to the online account request information in the storage medium. And the online account linked card information is used as the card payment means in a mail banking process associated with the online account.

According to the method of the present invention, the information storage unit 125 is opened by the online account management server 140 when the online account corresponding to the online account application information is opened, the web server 100 (or the online A storage medium further including the online account information opened by the online account management server 140 to process at least one financial transaction using the online account in the online account issuing information. It is preferable to replace the online account application information stored in (135) or included in the online account issuance information with the online account information opened by the online account management server 140, whereby the present invention is not limited thereto. No.

Here, the online account information may be stored in the online account number in the form of a virtual account number generated by the provisional opening unit 150 and the virtual account processing unit 155 of the online account management server 140 and the online account application information. It is preferable that the account information including the deposit note corresponding to the included customer information, the web server 100 operating institution information and the financial institution opened the online account.

The information relay unit 130 finances the online account application information received through the information receiving unit 120 to the online account (for example, an online account corresponding to the online account is opened) through a financial network. It is characterized in that the relay transmission to the online account management server 140 provided in the institution.

Here, the financial network connecting the web server 100 and the online account management server 140 may be a dedicated communication network that blocks access by a third party other than the web server 100 and the online account management server 140, or Secure communication network that provides a secure communication function between the web server 100 and the online account management server 140 (eg, the web server 100 encrypts the online account application information in an encryption manner to the online account management server 140). ) And a communication network for decrypting the online account application information through a decryption method corresponding to the encryption method in the online account management server 140.

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 140 provided in the financial institution that the online account is opened, whereby the online account management server 140 is connected to the financial system provided in the financial institution to the web server ( In step 100), an online account for processing a financial transaction is established through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 transmits the provisional processing agreement information (or provisional application information) to the financial network. It is characterized in that the transmission through the online account management server 140 provided in the financial institution corresponding to the online account (for example, the online account corresponding to the online account is opened) through which the online account management server ( 140 may open a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiver 120, the information relay unit 130 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 140 provided in the financial institution (in which the online account is opened), whereby the online account management server 140 is a conventional customer of the financial institution Although not, the online system corresponding to the online account application information is opened in a financial system provided in the financial institution in a form in which at least one financial transaction is possible.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account through the financial network to the virtual account processing information. It is characterized in that the relay transmission to the online account management server 140 provided in the financial institution (for example, an online account corresponding to the online account is opened), whereby the online account management server 140 is the financial institution An online account corresponding to the online account application information is opened in a financial system provided in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the online account management server 140 provided in a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through a financial network. By doing so, the online account management server 140 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner for the financial transaction using the online account in the web server 100.

When the mail account information of the customer is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account through the financial network (for example, to the online account). And relaying to the online account management server 140 provided in the financial institution where a corresponding online account is opened, whereby the online account management server 140 includes mail banking information including the mail account information of the customer. Register the account information with the ledger on the financial system.

When the online account link card information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account through the financial network (for example, to the online account). And relaying to the online account management server 140 provided in the financial institution where the corresponding online account is opened, whereby the online account management server 140 includes mail banking including the online account linked card information. Register the account information with the ledger on the financial system.

According to another exemplary embodiment of the present invention, when the online account management server 140 is provided with a web server 100 function or the online account management server 140 is a banking server, the information relay unit 130 is provided. By linking and relaying the customer terminal 175 and the online account management server 140, the online account management server 140 receives the online account application information (or a provisional processing agreement from the customer terminal 175). Online to receive information (or new application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) It is possible to relay to directly provide an account application interface, whereby the online account management server 140 is connected to the on-line from the customer terminal 175 via a communication network. Line Account Application Information (or Tentative Application Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Virtual Account Processing Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Faceless Financial Transactions) It is possible to directly receive the application information)), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the online account management server 140 relays at least one or more web servers 100 and the online account management server 140, or A relay server (not shown) relays the web server 100 and at least one online account management server 140 or relays at least one web server 100 and at least one online account management server 140. It is possible to be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the online account management server 140 may provide online account application information (or new provision processing agreement information (or new provision application information), or online) provided from the web server 100 through the financial network. An information receiver 145 for receiving account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); The provisional opening section 150 for opening a new online account corresponding to the online account application information received through the information receiving section 145, and the online account opened with the new provision, the web server 100 operating institution (Or a financial institution) a virtual account processing unit 155 for processing a real account operated in the form of a virtual account as a parent account and the online account application for the virtual account type online account. Real-name verification that manages before the real name verification for real name and the real name of the financial transaction application customer for the online account opened as a new provision in response to the online account application information is confirmed within the real name verification period The account 165 and a new account processor 170 for processing the online account opened as a new financial account when the real name of the online account opened as a new provision is confirmed in response to the online account application information. It characterized by comprising a.

The information receiving unit 145 is online account application information (or false new processing agreement information (or false new application information), or online account security information, or financial transaction application provided from the web server 100 through the financial network) Information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receives the received online account application information (or false transaction processing information (or trail). Rule application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) to the provisional section 150. to provide.

According to one embodiment of the present invention, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual information provided from the web server 100) is provided. When the account processing information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is encrypted, the information receiving unit 145 the encrypted online account application information (or the provisional processing agreement information (or the provisional provision) Application information), or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Do.

The new provision establishment unit 150 is the online account application information (or false provisions processing agreement information (or provisional provision information), or online account security information, from the web server 100 through the information receiving unit 145, Or if the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided, the online account application information (or the provisional processing agreement information (or the new provision) Application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Processing information (or provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing); Bo, or online account corresponding to the non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information)) is characterized by the rules outlined in the trail.

Here, the new provision opening unit 150 is the online account application information (or false provisions processing consent information (or false provisions application information), or online account security information, financial transaction application information, or virtual account processing information, or Opening a new online account corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a new basis is based on the online account application information (or false information) Customer corresponding to processing agreement information (or new application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Ledger (can be omitted if the customer ledger is already registered), or at least one online account ledger (eg, the number corresponding to the online account application information It characterized by comprising the registering the director).

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

According to another embodiment of the present invention, the online ledger for the online account corresponding to the online account application information is in the form of an account ledger corresponding to a virtual account associated with a parent account based on the online account application information. It is preferable to register with the ledger D / B, wherein the mother account is registered with the ledger D / B on the financial system in order to register the customer financial account or the online account, which is already opened in the ledger D / B on the financial system. It is possible to include at least one or more of the above-described financial institution account, thereby the present invention is not limited.

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

However, it is possible to deposit an amount (or deposit amount) into the online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 150 is the online account application information (or provisional processing agreement information (or new provision application information), or online account security information, or financial transaction received through the web server 100) Open the online account in connection with the external system or information system provided in the financial system based on the application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A procedure (eg, a procedure of registering an online account ledger), and provides the result to the virtual account processor 155.

Those skilled in the art to which the present invention pertains, detailed description of the procedure for opening the online account (for example, registering the online ledger) is linked to the financial system 150 is established. Since it will be understood, detailed description thereof will be omitted for convenience.

The virtual account processing unit 155 is a parent account that manages the online account (or online account ledger) opened by the provisional opening unit 150 at the web server 100 operating institution (or financial institution). It is characterized in that the processing into a virtual account.

According to the embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable that the real account operated by the web server 100 operating institution (or financial institution) is treated as a virtual account before the real name verification of the online account is performed. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the web. The server 100 may include virtual account ledger information (eg, ledger information including an account number conforming to the virtual account number system) using a real account operated by an operating institution (or a financial institution) in this case. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

Subsequently, the new provision management unit 160 controls the real account operated by the web server 100 operating institution (or financial institution) until the real name verification for the online account application customer is established as the new account as the parent account. It is characterized by operating by processing to a virtual account.

According to the method of the present invention, the provisional management unit 160, if the amount of money (or account transfer) to the online account through the financial system before the real name verification of the online account, the deposit amount of the virtual account Process the deposit amount to the real account corresponding to the parent account of the virtual account, and the deposit transaction method is a charging method (for example, the deposit amount to be charged to the online account). Charging method).

In addition, the new provision management unit 160 withdraws the withdrawal amount deposited in the virtual account when the withdrawal amount (or account transfer) to the online account through the financial system before the real name verification of the online account Process the withdrawal of the withdrawal amount from the real account corresponding to the parent account of the virtual account, and the withdrawal transaction method uses a remittance method (for example, the withdrawal amount of the amount charged to the online account). It is preferable to comprise)).

In addition, when the interest for the amount deposited in the online account is calculated through the financial system before the real name verification unit 160 checks the real name of the online account, the interest management institution (or the web server 100) A real account operated by a financial institution is treated as an interest of an online account of a virtual account type having a parent account, and the interest payment method is a charging method (for example, a method of charging the interest amount for charging the online account). It is preferable to comprise a.

As described above, by processing the online account as a virtual account of the real account operated by the web server 100 operating institution (or financial institution) as a parent account, the pseudonym management unit 160 finances the online account until the real name is verified. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 165 is the law and concurrent orders on the financial real name system transactions and confidentiality while the online account opened by the new provision opening unit 150 is managed by the new provision management unit 160 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within the real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 165 confirms the real name of the online account application customer for the online account through a financial transaction system through a window terminal (not shown) associated with the financial system. It is advisable to check whether

According to another exemplary embodiment of the present invention, when the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 165 is responsible for recognizing the online account through the certificate-based real name verification process defined in the Internet banking system. It is advisable to verify that the customer's real name is applied for an online account.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the In the case where the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 165 is responsible for recognizing the online account through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking or home banking or TV banking customer corresponding to the financial institution. (Eg, when the financial institution has executed the real name verification procedure for the online account application customer), the real name verification unit 165 performs a certificate-based real name verification procedure defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 165 is provided in the financial system (or equipped with a financial institution) in order to confirm the real name for the online account application customer within the real name verification period It is desirable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using the function.

Alternatively, the real name verification unit 165 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within the real name verification period. Therefore, it is preferable to periodically request the online account applicant to perform the real name verification procedure for the online account.

Or, if the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 165 to verify the real name for the online account application customer within the real name verification period, the online account application A customer terminal-based financial transaction corresponding to the financial institution, or a financial terminal based financial transaction including a CD / ATM, or an Internet banking based financial transaction, or a wireless banking based financial transaction, or a telebanking based During a financial transaction, a home banking-based financial transaction, or a TV banking-based financial transaction, it is preferable to request the online account applicant to perform a real name verification procedure for the online account in connection with the financial transaction system.

If the real name of the online account request customer is confirmed within the real name verification period, the real name verification unit 165 generates the real name verification information for the online account request customer and provides the new account processing unit 170.

Or, if the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 165 generates unreal name verification information for the online account request customer to provide to the new account processing unit 170 do.

When the real name confirmation information is provided from the real name confirmation unit 165 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 170 is linked with the financial system. The new account opening unit 150, or the new account management unit 160 is characterized in that the online account processed as a new regulation to process a valid new financial account.

According to an embodiment of the present invention, when real name verification information is provided from the real name verification unit 165 including the real name of the customer for the online account application within the real name verification period, the new account processor 170 Is valid new finance available for all financial transactions on the online account processed by the new provision opening unit 150 or the new provision management unit 160 in association with the external system or information system provided in the financial system. It is preferable to process into account.

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 170 It is preferable to unlock the online account in connection with the external or information system provided in the financial system, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions. do.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account and has a withdrawal prevention function. In the case of the transfer, the new account processing unit 170 returns (or re-transfers) the amount deposited in the withdrawal prevention virtual account to the online account in connection with the external system or the information system provided in the financial system, Or removing (or erasing) the withdrawal prevention virtual account, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When the amount is deposited (or deposited) into the online account processed as the virtual account equipped with the withdrawal prevention function by the account, the new account processing unit 170 is the external system or the information system provided in the financial system. Canceling the withdrawal prevention function of the online account processed with the virtual account equipped with the withdrawal prevention function, and providing (or erasing) the virtual account function associated with the new account processing mother account to process the online account; Preferably, the online account processed by the provisional provision is processed into a valid new financial account capable of all financial transactions.

According to the method of the present invention, when the new account processor 170 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 145 sets the web server 100 on the date of opening the online account. From the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non It is preferable to apply retrospectively to any one of the date of receiving the face-to-face financial transaction application information)) or the date of the opening of the online account on the financial system.

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

In more detail, Figure 2 shows the actual account of the operating institution (or financial institution) of the web server 100 in the ledger information stored in the ledger D / B (200) provided in the DBMS on the financial system shown in Figure 1 It is shown that the online account ledger information is stored according to the virtual account ledger information in the virtual account ledger that is the parent account, and those skilled in the art to which the present invention pertains refer to and / or modify the present invention. To store online account ledger information according to the virtual account ledger information in a virtual account ledger having a real account of the web server 100 operating institution (or a financial institution) in the ledger D / B. 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 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 the customer ledger, and the account ledger associated with the customer ledger (for example, ledger, loan Ledger, etc.) and at least one information associated with the ledger ledger, if the person of ordinary skill in the art belongs, ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 2, the reference numeral 200 further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

According to an embodiment of the present invention, an online account registration in the form of a virtual account linked to a mother account which is a real account of an operating institution (or a financial institution) of the web server 100 through the online account registration system shown in FIG. For the customer ledger, the web server 100 operating institution (or financial institution) the customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, as shown in Figure 1 It is preferable to store the online account customer ledger information registered in the online account of the virtual account type associated with the parent account which is the real account of the web server 100 operating institution (or financial institution) through the online account registration system.

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial When the customer's ledger of the customer who opens the online account is already provided in the ledger D / B 200 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). At least one financial account of the financial account of the web server 100 operating institution (or financial institution) corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is desirable to.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger is a parent account of a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 1 among at least one financial account corresponding to the web server 100 operating institution (or financial institution). The account ledger corresponding to the relational relationship, characterized in that the virtual account ledger information comprises an information structure further comprises the mother account number and the mother account management institution information in the basic account ledger information, such as the account ledger. It is characterized by.

That is, as shown in FIG. 2, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the configuration of the virtual account ledger information associated with the account ledger of the web server 100 operating institution (or financial institution), and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the mail account information of the customer for processing the mail banking associated with the online account to register the online account linked mail banking account, the mail banking process associated with the online account It is preferable to link and store the mail banking account information including at least one online account linked card information for processing the card payment as additional information corresponding to the online ledger.

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

In more detail, FIG. 3 shows an online account ledger stored in the ledger D / B 300 provided in the DBMS on the financial system shown in FIG. 1 through the virtual account processing information. Shows a configuration of information linking a real account of a financial institution) in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention belongs, will refer to and / or modify the drawing 3 to the ledger. It may be possible to infer various information formation methods linking the online account ledger to the D / B through the virtual account processing information in the form of a virtual account using the real account of the web server 100 operating institution (or financial institution) as the parent account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 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 the customer ledger, and the account ledger associated with the customer ledger (for example, the reception ledger, loans) 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, the ledger D / B provided in the DBMS on the financial system 300, in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B 300 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among an online account number and a financial account of the web server 100 operating institution (or financial institution). By including the virtual account processing information including at least one or more of the parent account number corresponding to the parent account, and the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) as the additional information, Characterized in that the online account is processed as a virtual account of the financial account of the web server 100 operating institution (or financial institution) as a parent account, wherein the virtual account processing information is the online account registration system shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 175 of the merchant.

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

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since the structure of the online ledger information may be inferred, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the mail account information of the customer for processing the mail banking associated with the online account to register the online account linked mail banking account, the mail banking process associated with the online account It is preferable to link and store the mail banking account information including at least one online account linked card information for processing the card payment as additional information corresponding to the online ledger.

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

In more detail, Figure 4 is an online account ledger stored in the ledger D / B 400 provided in the DBMS on the financial system shown in Figure 1 through the virtual account processing information as shown in Figure 3 on the Web FIG. 1 shows an information structure for linking a real account of an operating institution (or a financial institution) in the form of a virtual account with a parent account, and further linking and processing the pseudo new processing information for processing a new account in the online account ledger. As one of ordinary skill in the art to which the present invention pertains, the web server 100 is operated through the virtual account processing information of the online ledger in the ledger D / B by referring to and / or modifying the drawing 4. It would be possible to infer a variety of information organization methods for processing a new account by linking a real account of an institution (or a financial institution) as a parent account, but the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to Figure 4 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 the customer ledger, and the account ledger associated with the customer ledger (for example, 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, the ledger D / B provided in the DBMS on the financial system 400, in addition to the customer ledger and the account ledger shown in FIG. 4, at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.), or at least one additional information for maintaining and managing the ledgers is further included. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial If the customer ledger of a customer who opens the online account is already provided in the ledger D / B 400 as a conventional financial transaction customer of the institution, the online account customer ledger is to use the customer ledger of the customer as it is. desirable.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among an online account number and a financial account of the web server 100 operating institution (or financial institution). By including the virtual account processing information including at least one or more of the parent account number corresponding to the parent account, and the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) as the additional information, Characterized in that the online account is processed as a virtual account of the financial account of the web server 100 operating institution (or financial institution) as a parent account, wherein the virtual account processing information is the online account registration system shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 175 of the merchant.

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

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes provisional processing information as additional information.

In the online account management server 140 shown in FIG. 1, the new provision opening unit 150, or the new provision management unit 160 is connected to the external account or information system provided in the financial system, to the online account. Generating false information processing information including at least one of a corresponding virtual account number (or online account number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification predecessor; Preferably, the information is linked and stored as additional information corresponding to the online ledger, and the provisional processing information is the online account application information received from the customer terminal 175 on the online account registration system shown in FIG. It is desirable to generate based on the new processing agreement information (or new application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 1, the provisional processing agreement information (or the provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

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

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

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

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

The deposit before the real name verification of the provisional processing information is deposited from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. If the amount is deposited into the online account, the deposit before real name verification is matched with the account balance of the online ledger.

According to another exemplary embodiment of the present invention, the information included in the provisional processing information is stored in the form of information included in the online account ledger (not shown), or another ledger other than the online account ledger (eg, a customer). It may be stored in the form of additional information added to the ledger, or in the form of information included in other ledgers (eg, customer ledgers) other than the online account ledger, and thus, the present invention is not limited thereto.

According to an embodiment of the present invention, the mail account information of the customer for processing the mail banking associated with the online account to register the online account linked mail banking account, the mail banking process associated with the online account It is preferable to link and store the mail banking account information including at least one online account linked card information for processing the card payment as additional information corresponding to the online ledger.

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

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides an online account request interface to the customer terminal 175, the customer terminal 175 provides an online account through the online account request interface. An online account management server provided with the application information (or selected) and provided to the web server 100 through a communication network, and the web server 100 provides the online account application information to the financial institution through a financial network ( 140, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 to the client terminal 175 through the web server 100. Although various implementation methods of providing the online account application information to the online account management server 140 may be inferred, the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, Corresponding to the online account request interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, the new provision processing agreement information (or the new application information), or online It is possible to infer an implementation method of providing account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). At 175, the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual An implementation method of providing account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 corresponding to the security function provided in the financial network connecting the web server 100 and the online account management server 140 The online account application information (or false transaction processing information (or false provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face) Financial transaction application information)) and transmits it, and in the online account management server 140, the online account application information (or false transaction processing information (or false new application information), or online account security information, or financial transaction) It is possible to infer an implementation method of decrypting application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Would, in the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 5, the customer terminal 175 illustrated in FIG. 1 connects to the web server 100 through a communication network including at least one wired or wireless communication network (500), and the web server ( At least one web-based service provided by 100 may be used (505). At this time, the web-based service screen provided by the web server 100 to the customer terminal 175 may be applied to the online account application for the online account application. Preferably, a menu interface for requesting an interface is included.

Therefore, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account registration interface is used to register the online account from the customer terminal 175. Periodically check (510) whether an account request interface is requested, if the online account request interface is requested from the client terminal (175) (515), the web server 100 to provide to the customer terminal (175) An online account application interface is generated (or extracted from a web source D / B (not shown)) (520), and the online account application interface is provided to the mobile terminal through the communication network (525).

Thereafter, the customer terminal 175 inputs (or selects) online account application information through the online account application interface (530), and the online account application information is at least one online application that the customer applies (or purchases). At least one online account selection information for selecting an account, agreement agreement information corresponding to the online account, the online account deposit amount information, and customer information for the online account applicant is preferably included.

When the online account application information is input (or selected) as described above, the customer terminal 175 transmits the online account application information to the web server 100 through the communication network (535).

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

In addition, the online account security information further includes a personal identification number (PIN), or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the communication network, or the online account application information further includes the online account security information in the web through the communication network. Send to server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted in an encrypted manner and transmitted to the web server 100.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer passes the information on the provision of the new regulations And an interface for inputting (or selecting) false provisional processing consent information for agreeing to the provisional processing period information or provisional provisional application information for which the customer applies for provisional processing for the online account.

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 175, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 100 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account using a real account that operates the online account corresponding to the online account application information in the web server 100 operating institution (or financial institution) as a parent account Virtual account processing including the mother account management institution information including at least one or more of the web server 100 operating institution (or financial institution) to register in the form, and the mother account information corresponding to the real account operated in the mother account operating institution It is preferable to include an interface for inputting (or selecting) information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) the virtual account processing information to the web server 100 through the communication network, or further includes the virtual account processing information in the online account application information. To the web server 100 through the communication network.

In addition, when the customer applying for the online account is not a conventional financial transaction member for the financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is used to process the first financial transaction with the financial institution by the customer terminal 175. And an interface for outputting financial transaction application terms and conditions and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transfer the input (or selected) financial transaction application information to the web server 100 through the communication network, or further include the financial transaction application information in the online account application information, the web server 100 through the communication network. To send).

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (175) Non-face-to-face financial transaction terms and conditions for processing transactions (e.g. signing up for Internet banking) Non-face-to-face financial transaction agreement information, and the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account An interface for acquiring (or applying for) a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through the at least one non-face-to-face financial transaction channel when the non-face-to-face financial transaction authentication can be omitted. It is possible to omit, by which the present invention is not limited.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. Or to the web server 100 through the communication network further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information.

According to an embodiment of the present invention, the online account application interface preferably includes an interface for inputting (or selecting) mail account information of a customer for registering the online account linked mail banking account.

When the customer terminal 175 is provided with an interface for inputting (or selecting) mail account information of a customer including the online account linked mail banking account registration, the customer terminal 175 receives the mail of the customer through the interface. After entering (or selecting) account information, the mail account information of the entered (or selected) customer is transmitted to the web server 100 through the communication network, or the customer's mail account in the online account application information. It further includes information and transmits to the web server 100 through the communication network.

According to an embodiment of the present invention, the online account application interface preferably includes an interface for inputting (or selecting) online account linked card information for registering the online account linked mail banking account.

If the customer terminal 175 is provided with an interface for inputting (or selecting) online account linking card information including the online account linked mail banking account registration, the customer terminal 175 links the online account through the interface. After entering (or selecting) card information, the input (or selected) online account linking card information is transmitted to the web server 100 through the communication network, or the online account linking card in the online account application information. It further includes information and transmits to the web server 100 through the communication network.

Then, the web server 100 is the online account application information (or the provisional processing agreement information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information, or non-face-to-face) The financial transaction agreement information (or non-face-to-face financial transaction application information) is received and stored in the storage medium 135 (540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the online account management server ( 140) may be omitted in accordance with a business partnership agreement between (or financial institutions), thereby not limiting the invention.

Thereafter, the web server 100 transmits the online account application information to the online account management server 140 through a financial network (545), and the online account management server 140 transmits the web through the financial network. The online account application information provided from the server 100 is received (550).

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

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides an online account request interface to the customer terminal 175, the customer terminal 175 provides an online account through the online account request interface. Input (or select) and encrypt application information to provide it to the web server 100 through a communication network, and decrypt the online account application information in the web server 100 to retrieve the online account application information through a financial network. The process of providing to the online account management server 140 provided in a financial institution, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 6 the customer terminal (175) In this regard, various implementation methods for providing the online account application information to the online account management server 140 through the web server 100 may be inferred. The invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, Corresponding to the online account request interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, the new provision processing agreement information (or the new application information), or online It is possible to infer an implementation method of providing account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). At 175, the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual An implementation method of providing account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 corresponding to the security function provided in the financial network connecting the web server 100 and the online account management server 140 The online account application information (or the provisional processing consent information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non Face-to-face financial transaction application information)) and transmits it, and the online account management server 140 transmits the online account application information (or false new processing agreement information (or false new application information), or online account security information, or financial). It is possible to infer a method of decrypting transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Would, in the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 6, the customer terminal 175 illustrated in FIG. 1 connects to the web server 100 through a communication network including at least one wired or wireless communication network (600), and the web server ( At least one web-based service provided by 100 is used (605). At this time, a web-based service screen provided from the web server 100 to the customer terminal 175 is applied to the online account application for the online account application. Preferably, a menu interface for requesting an interface is included.

Therefore, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account registration interface is used to register the online account from the customer terminal 175. Periodically check whether the account request interface is requested (610), if the online account request interface is requested from the customer terminal (175) (615), the web server 100 is applied for an online account with a security function An interface is generated (or extracted from a web source D / B (not shown)) (620), and the online account application interface is provided to the mobile terminal through the communication network (625).

Here, the security function provided in the online account application interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 175 by an encryption method, or the electronic information of the customer in the online account application information. It comprises at least one function for attaching a signature, preferably in the form of a security program in conjunction with the online account application interface, wherein the security program is at least one or more encryption for encrypting the online account application information It is preferable to comprise a key.

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

Thereafter, the customer terminal 175 inputs (or selects) online account application information through the online account application interface (630), wherein the online account application information is applied to (or purchases) at least one online application. At least one of online account selection information for selecting an account, agreement information corresponding to the online account, the online account deposit amount information, and customer information for the online account applicant is preferably included.

When the online account application information is input (or selected) as described above, the customer terminal 175 encrypts the online account application information according to an encryption method through a security function provided in the online account application interface (or the online). Attaching the electronic signature of the customer to the account application information) (635), and transmits the encrypted online account application information to the web server 100 via the communication network (640).

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

In addition, the online account security information further includes a personal identification number (PIN), or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the communication network, or the online account application information further includes the online account security information in the web through the communication network. Send to server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted in an encrypted manner and transmitted to the web server 100.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer passes the information on the provision of the new regulations And an interface for inputting (or selecting) false provisional processing consent information for agreeing to the provisional processing period information or provisional provisional application information for which the customer applies for provisional processing for the online account.

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 175, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 100 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account using a real account that operates the online account corresponding to the online account application information in the web server 100 operating institution (or financial institution) as a parent account Virtual account processing including the mother account management institution information including at least one or more of the web server 100 operating institution (or financial institution) to register in the form, and the mother account information corresponding to the real account operated in the mother account operating institution It is preferable to include an interface for inputting (or selecting) information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) the virtual account processing information to the web server 100 through the communication network, or further includes the virtual account processing information in the online account application information. To the web server 100 through the communication network.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution by the customer terminal 175. It is preferable to include an interface for outputting the financial transaction application terms information and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transfer the input (or selected) financial transaction application information to the web server 100 through the communication network, or further include the financial transaction application information in the online account application information, the web server 100 through the communication network. To send).

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applying customer has no history of financial transactions with the financial institution, or the online account applying customer is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (175) Non-face-to-face financial transaction terms and conditions (such as signing up for Internet banking) Non-face-to-face financial transaction agreement information, and the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account An interface for acquiring (or applying for) a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through the at least one non-face-to-face financial transaction channel when the non-face-to-face financial transaction authentication can be omitted. May be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 is configured to face the non-face-to-face through the interface. After inputting (or selecting) financial transaction consent information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) is performed through the communication network. The web server 100 may further transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the communication network.

According to an embodiment of the present invention, the online account application interface preferably includes an interface for inputting (or selecting) mail account information of a customer for registering the online account linked mail banking account.

When the customer terminal 175 is provided with an interface for inputting (or selecting) mail account information of a customer including the online account linked mail banking account registration, the customer terminal 175 receives the mail of the customer through the interface. After entering (or selecting) account information, the mail account information of the entered (or selected) customer is transmitted to the web server 100 through the communication network, or the customer's mail account in the online account application information. It further includes information and transmits to the web server 100 through the communication network.

According to an embodiment of the present invention, the online account application interface preferably includes an interface for inputting (or selecting) online account linked card information for registering the online account linked mail banking account.

If the customer terminal 175 is provided with an interface for inputting (or selecting) online account linking card information including the online account linked mail banking account registration, the customer terminal 175 links the online account through the interface. After entering (or selecting) card information, the input (or selected) online account linking card information is transmitted to the web server 100 through the communication network, or the online account linking card in the online account application information. It further includes information and transmits to the web server 100 through the communication network.

The web server 100 receiving the encrypted online account request information through the communication network decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information ( Or the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). The storage medium 135 stores the data at 640.

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the online account management server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the online account management server 140 through a financial network (645), and the online account management server 140 transmits the web through the financial network. The online account application information provided from the server 100 is received (650).

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

In more detail, in FIG. 7, the online account management server 140 shown in FIG. 1 opens an online account based on the online account application information provided from the web server 100, and stores the online account in the web server ( 100) A process of processing a real account operated by an operating institution (or a financial institution) into a virtual account, which is a parent account, and has a general knowledge in the field to which the present invention pertains. Based on the online account application information provided to the online account management server 140 shown in FIG. 1, an online account is operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for processing with virtual accounts may be inferred, but the present invention includes all of the inferred implementation methods, thereby limiting the invention. It does.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the online account management server 140. However, the present invention includes those skilled in the art. In addition to the online account application information, the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction). Application information) and the like may be inferred to be provided to the online account management server 140, but the present invention may provide the provisional processing agreement information (or new application information) to the online account management server 140. , Or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the online account management server 140 shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 or FIG. 6, the online account application information (or the provisional processing agreement information (or the new application) from the web server 100 shown in FIG. 1 to the server is shown. Information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). (Or false transaction processing information (or false application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) Read (700) to see if it is possible to open the online account.

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 175 through the communication network, thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server processes the online account corresponding to the online account application information on the financial system in a hidden manner in association with the financial system. In operation 720, the online account is processed as a virtual account in which the online account is operated by the web server 100 operating institution (or financial institution) in association with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the web server 100 operating institution (or financial institution) to the provisional processing information added to the online account ledger as shown in FIG. By adding the mother account number, the virtual account which uses the web account corresponding to the online account opened by the provisional opening unit 150 as the mother account in the web server 100 operating institution (or financial institution) It is preferable to process into account.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account in the online ledger, a parent account management institution information and a mother account information corresponding to a mother account to be linked to the online account, as shown in FIG. By linking the virtual account processing information including the relational relations, the ledger corresponding to the online account opened by the new establishment section 150 to operate in the web server 100 operating institution (or financial institution) It is preferable to treat the real account as a virtual account having the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to treat the ledger corresponding to the online account opened by) as a virtual account whose parent account is the real account operated by the web server 100 operating institution (or financial institution).

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a real account operated by the web server 100 operating institution (or financial institution) through the online account registration system shown in FIG. 1 through the process shown in FIG. A process of performing a real name verification process for an online account processed as a virtual account to process a new financial account. Specifically, the real name verification expiration date is automatically extended so that at least one financial transaction through the online account is required without real name verification. It is about the implementation method to provide a continuous.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the online account management server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may be a window terminal (not shown) based financial transaction system linked to the financial system (or a city), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Response) and check (800).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (810). .

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server uses a virtual account that has a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (820), to continuously provide at least one financial transaction through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (825), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server deletes the new transaction information or the virtual account processing information added to the online account ledger to process the online account as a new financial account whose real name is verified. desirable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby providing the online account. Is preferably treated as a new financial account whose real name is identified.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates a real account operated by an operating institution (or a financial institution) of the web server 100 through the process shown in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it as a new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is converted into an original account (eg, the The present invention relates to a method of retrieving a financial account (or another online account) transferred to an online account and dormant processing of the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the online account management server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Correspondingly) (900).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (905), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (910).

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server is a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (915), the server in connection with the financial system, the amount of money deposited in the online account corresponding to the online account application information in the original account ( For example, in response to the online account application information, an investment amount (or a deposit amount) is returned to the online account as a financial account), and the online account is processed as a dormant account in response to the online account application information (920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server deletes the new transaction information or the virtual account processing information added to the online account ledger to process the online account as a new financial account whose real name is verified. desirable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby providing the online account. Is preferably treated as a new financial account whose real name is identified.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

10 illustrates a mail banking system associated with an online account according to an embodiment of the present invention.

In more detail, FIG. 10 shows a non-face-to-face (or online) service for opening a registered online account through the online account registration system shown in FIG. 1 and registering mail banking account information on the ledger where the online account is opened. Mail banking request information including at least one sender's mail account information, transaction amount information, transaction authentication information, and payee mail account information for the mail banking associated with the online account to the online account linked mail banking system through the financial transaction interface. If provided, the system configuration for processing the mail banking associated with the online account using the provided mail banking request information in the online account linked mail banking system, the person having ordinary skill in the art The online account by referring to and / or modifying this drawing. Various implementation methods for constructing an online account linked mail banking system for linked mail banking may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Hereinafter, at least the mail banking associated with the online account is processed using the mail banking request information provided from the customer through a non-face-to-face (or online) financial transaction interface on the online account linked mail banking system shown in FIG. One or more means, or components corresponding to the functional configuration, are referred to as " mailbanking server 1000 " for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, an online account linked mail banking system for mail banking associated with the online account may include at least one wired terminal (or wireless terminal) used by the customer. A terminal 1060, a communication network corresponding to a wired communication network (or a wireless communication network) to which the customer terminal 1060 is connected, and the mail banking connected to the customer terminal 1060 through the communication network and associated with the online account A mail banking server 1000 for processing and an online account registered through the online account registration system shown in FIG.

The financial system that processes the at least one financial transaction service through the online account registered through the online account registration system shown in FIG. 1 in connection with the mail banking server 1000 may be a branch (or a branch) of the financial institution. ) Face-to-face financial transactions using at least one or more window terminals and a financial network (eg, our network), or a non-face-to-face method using various wired terminals (or wireless terminals), unmanned financial terminals, or consumer electronics terminals. It is characterized by providing a financial transaction of the present invention, the present invention is not limited by the face-to-face and non-face-to-face financial transactions that the financial system provides conventionally.

Referring to FIG. 10, 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. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; 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 The interface module corresponding to the middleware platform provided and the information required to perform each function in the components of the financial system (eg, ledger information, customer information, or management information) are stored and managed. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger, wherein the ledger D / B is an online account ledger corresponding to the online account registered through the online account registration system shown in FIG. And the mail banking account information for processing the online account linked mail banking is stored in the form of an additional information ledger.

According to an embodiment of the present invention, the customer connects to the mail banking server 1000 through a customer terminal 1060 including at least one wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network. When the mail banking request information for the mail banking associated with the online account is input (or selected) through at least one user interface provided by the mail banking server 1000, the customer terminal 1060 receives the online information through a communication network. It is preferable to transmit to the mail banking server 1000 provided on the account linked mail banking 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 or a laptop computer 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. desirable.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a code division multiple access (CDMA) based mobile communication network, or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, or IEEE 802.16x. A generic term for all terminal devices connected to the mobile internet based on the mobile terminal, and includes a personal communication system (PCS), a global system for mobile communications (GSM) terminal, or a personal digital cellular terminal connected to the CDMA-based mobile communication network. Cellular; PDC, or Personal Handyphone System (PHS) terminal, Personal Digital Assistant (PDA), or Smart Phone, or a wireless communication terminal connected to an HSDPA-based wireless network, or the IEEE 802.16x It is preferable to include at least one or more portable Internet terminal connected to the base portable Internet.

In addition, the customer terminal 1060 outputs at least one user interface provided by the mail banking server 1000, and the sender's mail account information, transaction amount information, transaction authentication information, and payee mail account through the user interface. A function configuration (eg, a browser program and a communication function or communication with the mail banking server 1000) for inputting (or selecting) mail banking information including at least one information and transmitting the same to the mail banking server 1000. Communication program and communication function).

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 1060 corresponding to at least one or more wired terminals (or wireless terminals). Omit for convenience.

The mail banking server 1000 provided on the on-line account linked mail banking system according to the present invention is a generic term for the on-line account linked mail banking system side component connected to the customer terminal 1060 through a communication network. It may be implemented by including the above server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

The mail banking request information transmitted from the client terminal 1060 for the mail banking associated with the online account to the mail banking server 1000 may include remitter's mail account information, transaction amount information, transaction authentication information, and a recipient mail account. Characterized in that it comprises at least one information.

Preferably, the remitter's mail account information includes the mail account information of the customer registered through the online account registration system shown in FIG. 1, and the mall mail account information is in the form of the mail address (for example, "user account @"). Mail server address &quot;) or a separate user account and mail server address.

The transaction amount information is characterized in that it comprises the amount withdrawn from the online account for the mail banking associated with the online account, the transaction amount is preferably not to exceed the balance deposited in the online account. .

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of mail banking associated with the online account. It is preferable to include at least one or more passwords corresponding to the at least one, it is possible to include a password for the mail account according to the intention of the skilled person.

In addition, in the characteristic of the online account linked mail banking system shown in FIG. 10, wherein the mail banking associated with the online account is performed through a non-face-to-face channel, the transaction authentication information is the customer in the process of opening the online account. It is possible to further comprise at least one or more security code information provided in the security card provided to the customer, or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer, thereby The invention is not limited.

Further, in the characteristic of the online account linked mail banking system shown in FIG. 10, wherein the mail banking associated with the online account is performed through a non-face-to-face channel, the transaction authentication information is the customer terminal 1060 (or The mail based on the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the customer terminal 1060, or at least one encryption key included in the authentication certificate. Encrypting the banking request information, or attaching the electronic signature of the customer to the mail banking request information can be made further, whereby the present invention is not limited.

Preferably, the payee mail account information includes mail account information of a customer receiving the transaction amount, and the mall mail information is formed in the form of the mail address (for example, "user account @ mail server address"), Alternatively, user accounts and mail server addresses may be included separately.

Here, the payee mail account information does not necessarily need to be stored in the ledger on the financial system, and the online account registration system (or a separate information registration system shown in FIG. 1) in the mail banking process associated with the online account. It is possible to register in real time.

According to the exemplary embodiment of the present invention, the mail banking server 1000 may include an interface unit 1005 for connecting and managing a communication channel with the customer terminal 1060 through the communication network.

According to an embodiment of the present invention, when the customer terminal 1060 includes a wired terminal (or a wireless terminal) connected to a wired communication network (or a wireless communication network), the interface unit 1005 includes the wired communication network (or wireless). At least one or more information (or data) by connecting a communication channel with the customer terminal 1060 based on a protocol stack defined in a communication network) and using a communication protocol defined in a communication program provided in the customer terminal 1060. It is desirable to provide a communication interface for transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1060, the interface unit 1005 may be connected to the client terminal 1060 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 1060 is provided with a mail program corresponding to the mail protocol, the interface unit 1005 connects a communication channel with the customer terminal 1060 based on the TCP / IP protocol, Provides a communication interface for sending and receiving mail using the mail protocol defined in the mail program.

Alternatively, when the customer terminal 1060 is provided with a communication program (eg, an internet banking program) provided by the mail banking server 1000, the interface unit 1005 is based on the TCP / IP protocol. It connects a communication channel with the terminal 1060 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 10, the mail banking server 1000 may be configured such that the customer terminal 1060 connects a communication channel with the mail banking server 1000 through the interface unit 1005 or is associated with the online account. When sending the mail for the mail banking, the mail banking in conjunction with the interface unit 1005 including at least one sender mail account information, transaction amount information, transaction authentication information and the recipient mail account information in the customer terminal (1060) And an interface providing unit 1010 which generates (or extracts) a user interface for inputting (or selecting) information and transmitting the information to the customer terminal 1060. In the case where a mail program (or a mail banking program) including the user interface is provided, the interface providing unit 1010 is omitted. It is preferred.

The interface provider 1010 connects a communication channel with the mail banking server 1000 through the interface unit 1005 or sends mail for mail banking associated with the online account. When sending, input (or select) mail banking information including at least one of remitter's mail account information, transaction amount information, transaction authentication information, and payee mail account information in response to the functional configuration provided in the customer terminal 1060. Create a user interface that can be transmitted to the mail banking server 1000 through the communication network, or extract it from a database (not shown), and link the interface unit 1005 with the generated (or extracted) user interface. It is characterized in that it provides to the customer terminal 1060 through the communication network.

According to an embodiment of the present invention, when the customer terminal 1060 includes a wired terminal (or wireless terminal) connected to a wired communication network (or a wireless communication network), the interface providing unit 1010 is the customer terminal 1060 ) (Or extract) a user interface that can be provided as a browser program or a communication program provided in the) and provide the generated (or extracted) user interface to the customer terminal 1060 through the interface unit 1005. It is preferable.

According to an embodiment of the present invention, the user interface may input (or select) mail banking information including at least one of remitter mail account information, transaction amount information, transaction authentication information, and payee mail account information, and the mail banking information. Preferably includes an interface function for transmitting the mail banking request information processed according to the communication protocol corresponding to the communication network to the mail banking server 1000.

Referring to FIG. 10, the mail banking server 1000 includes at least one sender mail account information, a transaction amount information, transaction authentication information, and a payee mail account information in the user terminal 1060 through the user interface. When the mail banking information is input (or selected), and the mail banking request information including the mail banking information is transmitted, the information receiver 1015 (or the receiver 10015) receiving the mail banking request information in cooperation with the interface unit 1005 (or Information receiving means), a validity checking unit 1025 for checking the validity of the transaction authentication information included in the received mail banking request information, the validity of the remitter's mail account information, and the validity of the recipient's mail account information ( Or validity checking means), and the mail banking result for the mail banking associated with the online account. The beam generated, and the message banking result information in association with the interface unit 1005 is characterized in that formed by an information transmitting unit 1020 to transmit to the client terminal (1060).

According to another exemplary embodiment of the present invention, the interface providing unit 1010, the information receiving unit 1015, and the information transmitting unit 1020 among the functional components constituting the mail banking server 1000 may be provided to the mail banking service provider. It is provided in the provided server, the remaining functional components may be provided in the server (or financial system) provided in the financial institution affiliated with the mail banking service provider, whereby the present invention is not limited.

The customer terminal 1060 inputs (or selects) mail banking information including at least one of the remitter's mail account information, the transaction amount information, the transaction authentication information, and the payee mail account information through the user interface, The mail banking information is processed according to a communication protocol provided in a communication network to which the customer terminal 1060 is connected. The mail banking request information is transmitted to the mail banking server 1000 through the communication network.

The information receiver 1015 inputs (or selects) at least one or more mail banking information including at least one of a remitter's mail account information, a transaction amount information, a transaction authentication information, and a payee mail account information through the user interface. And transmitting the mail banking request information including the input (or selected) mail banking information through the communication network, receiving the mail banking request information in association with the interface unit 1005. The received mail banking request information is provided to the validity verification unit 1025.

Preferably, the remitter's mail account information includes the mail account information of the customer registered through the online account registration system shown in FIG. 1, and the mall mail account information is in the form of the mail address (for example, "user account @"). Mail server address &quot;) or a separate user account and mail server address.

The transaction amount information is characterized in that it comprises the amount withdrawn from the online account for the mail banking associated with the online account, the transaction amount is preferably not to exceed the balance deposited in the online account. .

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of mail banking associated with the online account. It is preferable to include at least one or more passwords corresponding to the at least one, it is possible to include a password for the mail account according to the intention of those skilled in the art.

In addition, in the characteristic of the online account linked mail banking system shown in FIG. 10, wherein the mail banking associated with the online account is performed through a non-face-to-face channel, the transaction authentication information is the customer in the process of opening the online account. It is possible to further comprise at least one or more security code information provided in the security card provided to the customer, or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer, thereby The invention is not limited.

Further, in the characteristic of the online account linked mail banking system shown in FIG. 10, wherein the mail banking associated with the online account is performed through a non-face-to-face channel, the transaction authentication information is the customer terminal 1060 (or The mail based on the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the customer terminal 1060, or at least one encryption key included in the authentication certificate. Encrypting the banking request information, or attaching the electronic signature of the customer to the mail banking request information can be made further, whereby the present invention is not limited.

Preferably, the payee mail account information includes mail account information of a customer receiving the transaction amount, and the mall mail information is formed in the form of the mail address (for example, "user account @ mail server address"), Alternatively, the user account and mail server address may be included separately.

Here, the payee mail account information does not necessarily need to be stored in the ledger on the financial system, and the online account registration system (or a separate information registration system shown in FIG. 1) in the mail banking process associated with the online account. It is possible to register in real time.

The validity confirming unit 1025 is characterized by checking whether the mail banking request information received from the customer terminal 1060 satisfies the validity for the mail banking associated with the online account.

According to an embodiment of the present invention, the validity of the mail banking request information may be determined by at least one or more online mail account information corresponding to the remitter mail account information included in the mail banking request information in the ledger D / B on the financial system. It is preferable to include the verification of the validity of the mail account information remitter that is stored in the form of additional information ledger associated with the account ledger.

In addition, the validity check of the mail banking request information may be performed by adding, in the ledger D / B on the financial system, mail account information corresponding to the payee mail account information included in the mail banking request information associated with at least one online account ledger. It is preferable to include checking the validity of the recipient mail account information to confirm that the information is stored in the form of an ledger.

In addition, the validity check of the mail banking request information corresponds to the transaction authentication information by comparing various passwords corresponding to transaction authentication information included in the mail banking request information with passwords provided in the ledger D / B on the financial system. Check whether the various passwords match, or if the mail banking request information includes other security information (eg, security card number, OTP code, etc.) in addition to the password, validity of the security information in connection with the financial system. It is preferable to include a transaction authentication information validation to confirm that.

In addition, during the validation of the mail banking request information, the validation of the transaction authentication information is performed when the mail banking request information (or mail banking information included in the mail banking request information) is encrypted, and the encrypted mail banking request information ( Or mail banking information included in the mail banking request information).

Referring to FIG. 10, when the mail banking server 1000 confirms the validity of the remitter's mail account information by the validity checking unit 1025, the remitter's mail included in the mail banking request information in association with the financial system. In connection with the remitter's online account verification unit 1030 (or remitter's online account verification means) for checking the online account information associated with the account information, and the financial system (or the online account management server 1055 shown in FIG. 1). And a real name verification unit 1035 (or real name verification means) for confirming whether or not the real name of the remittance is online.

When the validity of the remitter's mail account information is confirmed by the validity confirming unit 1025, the remitter's online account checking unit 1030 is connected to the financial system and remitter's mail account information included in the mail banking request information (for example, In addition, the online account registration system (or a separate information registration system (not shown)) shown in FIG. 1 may be used to check the remitter online account information associated with the mail banking account information registered.

When the remitter online account information is confirmed, the real name verification unit 1035 checks whether the real name of the remitter's online account is confirmed in connection with the financial system (or the online account management server 1055 shown in FIG. 1). Characterized in that, when the real name for the remitter online account is not confirmed, the mail banking is preferably processed by the method of using the remittance for the remitter online account, when the real name for the remitter online account, the mail banking It is preferred that the transfer be made by real account transfer to the remitter's online account.

Referring to FIG. 10, when the mail banking server 1000 confirms the validity of the payee mail account information by the validity confirming unit 1025, a payee mail included in the mail banking request information in association with the financial system. Send a payee online account verification unit 1040 (or a payee online account verification means) that checks the online account information associated with the account information, and a payee consent request mail requesting payee consent for the mail banking to the payee mail account. And a mail sending unit 1045 (or a mail sending means). When the validity of the payee mail account information is not confirmed by the validity confirming unit 1025, the mail sending unit 1045 is configured as described above. To send an e-mail banking account registration request mail requesting registration of online account and mail banking account information to the payee mail account. It is characterized by sending.

Upon checking the validity of the payee mail account information by the validity checker 1025, the payee online account checker 1040 is linked with the payee mail account information included in the mail banking request information in connection with the financial system. Characterized in that it checks the recipient online account information, and the mail sending unit 1045 sends a recipient consent request mail requesting the recipient's consent for the mail banking to the recipient mail account included in the mail banking request information. It is characterized by.

According to the method of the present invention, when the payee online account information is confirmed by the payee online account verification unit 1040, the real name verification unit 1035 is the financial system (or the online account management server shown in Figure 1) It is preferable to check whether the real name of the payee online account is confirmed in connection with (1055)), and when the real name of the payee online account is not confirmed, the mail banking is preferably processed by the charging method of the payee online account. And, when confirming the real name for the payee online account, the mail banking is preferably processed by the real account transfer method for the payee online account.

When the validity confirmation unit 1025 confirms the invalidity of the recipient mail account information, the mail sending unit 1045 is a mail banking account registration request mail requesting registration of online account and mail banking account information to the recipient mail account. Characterized in that the e-mail sending, and the communication means information (for example, wireless terminal information, messenger account information, etc.) for the recipient in the mail banking service provider (or financial system) according to the intention of the skilled person The information transmitter 1020 may transmit mail banking request information for requesting registration of online account and mail banking account information to the payee mail account, and the present invention is not limited thereto.

Referring to FIG. 10, the mail banking server 1000 checks online account information associated with the remitter's mail account information by the remitter's online account checking unit 1030, and the payee online account checking unit 1040. When the online account information associated with the payee mail account information is confirmed by the mail banking processing unit 1050 (or a mail banking process) to process a mail banking to transfer the transaction amount based on the sender online account and the payee online account Means), wherein the information transmission unit 1020 generates the mail banking result information for the mail banking associated with the online account in association with the mail banking processing unit 1050, and the interface unit. In operation 1005, the mail banking result information is transmitted to the customer terminal 1060.

The online account information associated with the sender mail account information is confirmed by the remitter online account verification unit 1030, and the online account information associated with the payee mail account information is confirmed by the payee online account verification unit 1040. In addition, when the recipient agreement for the mail banking is confirmed by the recipient consent request mail, the mail banking processing unit 1050 connects the transaction amount based on the remitter online account and the payee online account in association with the financial system. It is characterized by processing the mail banking transfer.

If the real name of the remitter's online account is unidentified during the mail banking process, the withdrawal transaction for the remitter's online account during the mail banking is preferably processed by using the remittance for the remitter's online account. If the real name of the remitter online account has already been confirmed, the withdrawal transaction for the remitter online account is preferably processed by a real account transfer method for the remitter online account.

If the real name of the payee online account is unidentified during the mail banking process, the deposit transaction for the payee online account during the mail banking is preferably processed by a charging method for the payee online account. If the real name for the account has already been confirmed, the deposit transaction for the payee online account is preferably handled by the real account transfer method for the payee online account.

When the mail banking associated with the online account is processed by the mail banking processor 1050, the information transmission unit 1020 is financed for the mail banking associated with the online account in connection with the mail banking processor 1050. Generate a mail banking processing history including any of transaction approval history or financial transaction error history, and the customer through the communication network to the mail banking result information including the mail banking processing history in connection with the interface unit 1005 Characterized in that the transmission to the terminal 1060.

11A and 11B illustrate an information processing process for mail banking associated with an online account according to an embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate that the client terminal 1060 on the online account linked mail banking system shown in FIG. 10 accesses the mail banking server 1000 to communicate with the online bank. After the channel is connected, the mail banking request information including at least one of the remitter's mail account information, the transaction amount information, the transaction authentication information, and the payee mail account information is transmitted to the mail banking server 1000 through the communication channel. When the mail banking server 1000 performs the mail banking associated with the online account using the received mail banking request information, a person having ordinary knowledge in the art to which the present invention pertains. The information processing for mail banking associated with the online account by referring to and / or modifying the drawings 11a and 11b. One various implementation method may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

11a and 11b, the customer terminal 1060 shown in FIG. 10 is referred to as a " terminal " for convenience, and the mail banking server 1000 shown in FIG. 10 is referred to as a " server "

11A and 11B, a terminal shown in FIG. 10 is a communication network (for example, 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 by requesting mail banking associated with the online account through an HSDPA-based wireless communication network or an IEEE 802.16x-based portable Internet, etc. (1100), the server correspondingly sends the mail associated with the online account. Generating (or extracting) a web page including a user interface for inputting (or selecting) mail banking information including at least one of remitter's mail account information, transaction amount information, transaction authentication information, and recipient mail account information for banking; The transmission is output through the communication channel to the terminal (1105).

According to the exemplary embodiment of the present invention, the web page is transmitted or outputted to the terminal at least once according to the user interface provision and mail banking request information transmission and reception procedure, and the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) mail banking information including at least one mail banking information including at least one of the remitter mail account information, the transaction amount information, the transaction authentication information, and the recipient mail account information through the user interface. (1110).

If the terminal receives (or selects) mail banking information including at least one of the remitter's mail account information, the transaction amount information, the transaction authentication information, and the recipient's mail account information (1115), the terminal receives information through the user interface. The mail banking information input (or selected) through the communication channel is transmitted to the server according to a communication protocol (eg, a mail protocol) corresponding to the communication channel (1120).

Preferably, the remitter's mail account information includes the mail account information of the customer registered through the online account registration system shown in FIG. 1, and the mall mail account information is in the form of the mail address (for example, "user account @"). Mail server address &quot;) or a separate user account and mail server address.

The transaction amount information is characterized in that it comprises the amount withdrawn from the online account for the mail banking associated with the online account, the transaction amount is preferably not to exceed the balance deposited in the online account. .

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of mail banking associated with the online account. It is preferable to include at least one or more passwords corresponding to the at least one, it is possible to include a password for the mail account according to the intention of those skilled in the art.

In addition, the mail authentication associated with the online account is made through a non-face-to-face channel, characterized in that the online account linked mail banking system shown in Figure u, the transaction authentication information is the customer in the process of opening the online account It is possible to further comprise at least one or more security code information provided in the security card provided to the customer, or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer, thereby The invention is not limited.

In addition, due to the characteristics of the online account linked mail banking system shown in the figure u, characterized in that the mail banking associated with the online account is made through a non-face-to-face channel, the transaction authentication information is the customer terminal 1060 (or The mail based on the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the customer terminal 1060, or at least one encryption key included in the authentication certificate. Encrypting the banking request information, or attaching the electronic signature of the customer to the mail banking request information can be made further, whereby the present invention is not limited.

Preferably, the payee mail account information includes mail account information of a customer receiving the transaction amount, and the mall mail information is formed in the form of the mail address (for example, "user account @ mail server address"), Alternatively, the user account and mail server address may be included separately.

Here, the payee mail account information does not necessarily need to be stored in the ledger on the financial system, and the online account registration system (or a separate information registration system shown in FIG. 1) in the mail banking process associated with the online account. It is possible to register in real time.

Thereafter, the server checks the validity of the remitter's mail account information by receiving mail banking request information including the mail banking information through the communication channel in association with a financial system (1125).

According to an embodiment of the present invention, the validity check may be performed by adding, to the ledger D / B on the financial system, mail account information corresponding to the remitter's mail account information included in the mail banking request information associated with at least one online ledger. It is preferable to include the validation of the mail account information remitter that checks whether the information is stored in the form of ledger.

If the validity of the sender's mail account information is not confirmed (1130), the server generates a mail banking processing history including mail banking error information corresponding to a validity error of the sender's mail account information (1135), The mail banking result information including the mail banking processing history is transmitted to the terminal (1140), and the terminal outputs a mail banking result including the mail banking processing history (1145).

On the other hand, if the validity of the remitter mail account information is confirmed (1130), the server checks the remitter online account information associated with the remitter mail account information in connection with the financial system (1150).

If the sender online account information associated with the sender's mail account information is not confirmed (1155), the server generates a mail banking processing history including mail banking error information corresponding to a validity error with respect to the sender's online account; In operation 1135, the mail banking result information including the mail banking processing history is transmitted to the terminal (1140). In response thereto, the terminal outputs a mail banking result including the mail banking processing history (1145).

If the remitter online account information associated with the remitter mail account information is confirmed (1155), the server is linked to the financial system to the transaction authentication information included in the mail banking request information based on the online account information. Validity is checked (1160).

According to an embodiment of the present invention, the validity confirmation corresponds to the transaction authentication information by comparing various passwords corresponding to transaction authentication information included in the mail banking request information with passwords provided in the ledger D / B on the financial system. Check whether the various passwords match, or if the mail banking request information includes other security information (eg, security card number, OTP code, etc.) in addition to the password, validity of the security information in connection with the financial system. It is preferable to include a transaction authentication information validation to confirm that.

If the validity of the transaction authentication information is not verified (1165), the server generates a mail banking processing history including mail banking error information corresponding to the validity error of the transaction authentication information (1135), and the mail banking. The mail banking result information including the processing history is transmitted to the terminal (1140), and correspondingly, the terminal outputs the mail banking result including the mail banking processing history (1145).

If the validity of the transaction authentication information is confirmed (1165), the server checks the validity of the payee mail account information in connection with the financial system (1170).

According to an embodiment of the present invention, the validity check may be performed by adding, to the ledger D / B on the financial system, mail account information corresponding to the payee mail account information included in the mail banking request information associated with at least one online ledger. It is preferable to include checking the validity of the recipient mail account information to confirm that the information is stored in the form of an ledger.

If the validity of the payee mail account information is not confirmed (1175), the server sends a mail banking account registration request mail requesting registration of the online account and mail banking account information to the payee mail account (1180), Generate a mail banking processing history including mail banking pending information corresponding to a validity error of the payee mail account information (1185), and send mail banking result information including the mail banking processing history to the terminal (1140). In response, the terminal outputs a mail banking result including the mail banking processing history (1145).

If the validity of the payee mail account information is confirmed (1175), the server checks the payee online account information associated with the payee mail account information in association with the financial system (1190).

If the payee online account information is not confirmed (1192), the server sends a mail banking account registration request mail requesting registration of the online account and mail banking account information to the payee mail account (1180), and the payee Generating a mail banking processing history including mail banking pending information corresponding to a validity error with respect to the online account information (1185), and sending mail banking result information including the mail banking processing history to the terminal (1140); In response, the terminal outputs a mail banking result including the mail banking processing history (1145).

On the other hand, when the payee online account information is confirmed (1192), the server sends a payee consent request mail requesting the payee consent for the mail banking to the payee mail account, and confirms whether the payee consent request for the payee consent request mail. Check (1194).

If the recipient consent to the recipient consent request mail is confirmed (1196), the server checks the remitter online account information and the recipient online account information for processing the mail banking associated with the online account in connection with the financial system. (1198).

12 is a diagram illustrating a mail banking process associated with an online account according to an embodiment of the present invention.

More specifically, FIG. 12 shows the sender online account information and the payee online account information for processing the mail banking associated with the online account through the information processing process shown in FIG. As a method for processing the mail banking according to whether the real name of the sender online account and the payee online account in the mail banking server 1000 on the online bank linked mail banking system, the general knowledge in the technical field to which the present invention belongs Persons having the present invention may infer various implementation methods for the mail banking process associated with the online account by referring to and / or modifying the drawing 12, but the present invention includes all the execution methods inferred above, It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the customer terminal 1060 illustrated in FIG. 10 is referred to as a “terminal” for convenience, and the mail banking server 1000 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 12, when the remitter online account information and the payee online account information for processing the mail banking associated with the online account are confirmed through the information processing process shown in FIG. Alternatively, in connection with the online account management server 1055 shown in FIG. 1, it is checked whether the real name of the remitter online account is confirmed (1200).

If it is confirmed that the real name of the remitter online account is confirmed (1205), the server withdraws the transaction amount from the remitter online account according to the real account transfer method in connection with the financial system (1210).

On the other hand, if it is confirmed that the real name of the remitter online account is not confirmed (1205), the server withdraws the transaction amount from the remitter online account according to the method of using the remittance in cooperation with the financial system (1215).

Thereafter, the server checks whether the real name of the payee online account is confirmed in connection with the financial system (or the online account management server 1055 shown in FIG. 1).

If it is confirmed that the real name of the payee online account is confirmed (1225), the server deposits the transaction amount withdrawn from the sender online account to the payee online account in accordance with a real account transfer method in connection with the financial system. (1230).

On the other hand, if it is confirmed that the real name of the payee online account is unidentified (1225), the server deposits the transaction amount withdrawn from the sender online account to the payee online account according to the charging method in connection with the financial system ( 1235).

Thereafter, the server generates a mail banking processing history corresponding to the mail banking process associated with the online account in connection with the financial system (1240), and sends mail banking result information including the mail banking processing history to the terminal. In operation 1245, the terminal outputs a mail banking result including the mail banking processing history (1250).

According to the present invention, in contrast to the conventional real account type mail banking service, the user of the mail banking service according to the present invention can access a non-face-to-face channel (or online) without visiting a window of a financial institution (or a service provider and a contracted financial institution). Through the advantage of opening an online account for using the mail banking service.

According to the present invention, there is an advantage of providing a mail banking service in which real-time processing of funds transfer between online accounts and transfer of funds from an online account to a real account is performed in real time, as compared to a conventional virtual bank mail service.

Claims (4)

Online account registration means for registering mail banking account information linking the online account information and the customer mail account information as an additional information ledger in a ledger corresponding to an online account; Information receiving means for receiving remitter's mail account information, transaction amount information, and recipient's mail account information for transfer of funds through a mail account from a customer terminal; Online account checking means for checking online account information included in the mail banking account information registered in the ledger; Mail sending means for sending a payee consent request mail for the transfer of funds to the payee mail account when the payee online account is confirmed; Real name verification means for confirming whether or not to confirm the real name of the remitter online account and the payee online account when confirming the recipient's consent to the transfer of funds; And When the real name of the remitter online account is not confirmed, the transaction amount is withdrawn from the remitter online account using a remittance method, or when the real name of the remitter online account is confirmed, the transaction is transferred by the real account transfer method from the remitter online account. Process the money to be withdrawn, If the real name of the payee online account is not confirmed, the withdrawal transaction amount is processed to be deposited into the payee online account by charging method, or when the real name of the payee online account is confirmed, the withdrawal transaction amount is transferred to the real account. And a mail banking processing means for processing the deposit to the payee online account. The mail sending means according to claim 1, And, when the payee online account is not confirmed, an e-mail banking system linked to the online account, wherein an e-mail for requesting to open the online account and register the mail banking account is sent to the payee mail account. Registering mail banking account information in association with the online account information and the customer mail account information in the ledger corresponding to the online account in the online account registration means as an additional information ledger; Receiving, by the information receiving means, the remitter's mail account information, the transaction amount information, and the recipient's mail account information for transferring money through the mail account from the customer terminal; Confirming the online account information included in the mail banking account information registered in the ledger by the online account checking means; Sending a payee consent request for the transfer of funds to the payee mail account upon checking the payee online account in a mail sending means; And And upon confirmation of the recipient's consent for the transfer of money, processing the withdrawal of the transaction amount from the remitter's online account and depositing the withdrawn transaction amount into the payee's online account in a mail banking processing means. Fund transfer method through mail banking linked to an online account. A recording medium comprising a program for executing the method of claim 3.

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