KR20230154665A - Finacial service system and finacial service method thereof - Google Patents

Abstract

A financial service system according to the present invention comprises: an authentication part that processes authentication process for a non-face-to-face opening of an account according to a request of a customer terminal used by a corporate customer; an application part that receives an application form filled-in with the information required for the non-face-to-face opening of the account from the customer terminal and processes the application; and an account opening part that processes opening of an account for the customer terminal. Therefore, the present invention enables a processing process to be implemented simply and accurately.

Description

{FINACIAL SERVICE SYSTEM AND FINACIAL SERVICE METHOD THEREOF}

The present invention relates to a financial service system and a financial service method thereof.

In the past, customers went beyond directly visiting financial institutions to process financial transactions. Recently, there have been a variety of ways to process financial transactions through networks without visiting financial institutions. A representative example is telebanking or internet banking. Recently, as smart devices have become widespread, the use of mobile banking, which uses mobile devices to handle financial transactions, has become common. Telebanking, internet banking, and mobile banking are non-face-to-face methods of handling financial transactions because they allow business to be carried out without face-to-face contact with executives and employees of financial institutions. This non-face-to-face financial processing method allows customers to request financial processing through their terminals such as landline phones, computers, and smartphones, and also check the results of financial processing through their terminals. As non-face-to-face financial processing becomes more common, there is a growing demand for financial institutions to use non-face-to-face marketing methods as well.

However, depending on the type of financial business and the type of financial service target, there are still many areas where it is difficult to conduct business non-face-to-face. In particular, it is difficult to open an account in the name of a corporation non-face-to-face in terms of authentication and document verification, so although there is a high demand for non-face-to-face work processing, realistically, the work cannot be performed non-face-to-face.

The technical task to be achieved by the present invention is to support a system that handles account opening in the name of a corporation in a non-face-to-face manner and to implement the processing process simply and accurately.

A financial service system according to an embodiment of the present invention includes an authentication unit that processes an authentication process for non-face-to-face account opening in response to a request from a customer terminal used by a corporate customer, and information required for non-face-to-face account opening from the customer terminal. It includes an application unit that receives and processes the application form filled in, and an account opening unit that processes account opening for the customer terminal.

The application unit may retrieve at least one of the necessary information from an external system, create an automatically filled-in application form, and provide it to the customer terminal.

The application unit may process the automatic entry when there is consent from the customer terminal.

The application unit may further receive documents for non-face-to-face account opening from the customer terminal.

The application unit may receive an issuance number for documents for non-face-to-face account opening from the customer terminal.

It may further include a verification unit that verifies the authenticity of the document based on the issuance number.

The confirmation unit may request a system of an organization related to the document to view the document based on the issuance number, and may receive and store a captured image of the document.

The confirmation unit may generate a screen for confirmation of the document based on the captured image and provide the screen to the employee terminal.

A financial service method according to another embodiment of the present invention is a financial service method in which a financial service system processes non-face-to-face account opening for a customer who is a corporation, comprising: receiving a non-face-to-face account opening request from a customer terminal; It includes processing authentication, transmitting an application to the customer terminal, receiving the application and necessary document information from the customer terminal, and processing account opening for the customer.

The step of processing the authentication may include corporate business joint certificate authentication or corporate representative mobile phone identity authentication.

Before transmitting the application, the method may further include loading at least some of the necessary customer information from an external system and automatically entering the customer information into the application.

Before the loading step, the step of receiving consent to the automatic entry from the customer terminal may be further included.

The document information may include the issuance number of the document.

A step of requesting an inquiry about the document from the system of the relevant organization based on the issuance number may be further included.

The method may further include storing a captured image of the document.

Creating a screen to confirm the authenticity of the document based on the captured image, and The step of transmitting the screen to an employee terminal may be further included.

According to an embodiment of the present invention, an account opening in the name of a corporation can be performed without having to visit a financial institution in person or face a financial institution employee directly, by simplifying the documents submitted during the processing process and ensuring the safety of the processing process. Customer convenience can be safely promoted.

1 is a block diagram of an operating environment of a financial service system according to an embodiment of the present invention.
Figure 2 is a block diagram of a financial service system according to an embodiment of the present invention.
Figure 3 is a flowchart explaining a financial service method according to an embodiment of the present invention.
Figure 4 is an example of a screen provided by a financial service system according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to “include” a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In addition, the terms “…unit” and “…module” used in the specification refer to a unit that processes at least one function or operation, which may be implemented as hardware, software, or a combination of hardware and software.

A financial service system and a financial service method thereof according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an operating environment of a financial service system according to an embodiment of the present invention.

Referring to FIG. 1, the financial service system 100 is a server operated by a financial institution, and processes financial tasks such as withdrawals, deposits, and transfers according to requests from the customer terminal 200. In particular, the financial service system 100 provides a service that handles the account opening process applied by a corporate customer using the customer terminal 200 in a non-face-to-face manner.

The customer terminal 200 is a device through which customers of a financial institution access and communicate with the financial service system 100 through a network. At this time, the customer may be a corporation, and the customer terminal 200 may include, for example, various computers, personal digital assistants (PDAs), mobile communication terminals including smartphones, televisions, etc. A variety of communication devices may be used.

The external information provision system 310 is a server operated by a company that provides information about the customer terminal 200 of the financial service system 100. The financial service system 100 can retrieve information about the customer terminal 200 from the external information provision system 310 and support the user to easily fill out an application for non-face-to-face account opening of the customer terminal 200.

The related institution system 320 is a server operated by the related institution that issued the documents necessary for the customer terminal 200 to open a non-face-to-face account, and the financial service system 100 searches the documents through the related institution system 320. can do. For example, relevant organizations may be the National Tax Service and the registry office.

The employee terminal 400 is a device through which employees belonging to a financial institution access and communicate with the financial service system 100 through a network. The employee terminal 400 may be, for example, various communication devices such as various computers, personal digital assistants (PDAs), mobile communication terminals including smartphones, and televisions (TVs).

Now, with reference to FIG. 2, the financial service system 100 according to an embodiment of the present invention will be described in detail.

Figure 2 is a block diagram of a financial service system according to an embodiment of the present invention.

Referring to FIG. 2, the financial service system 100 includes an authentication unit 110, an application unit 120, a confirmation unit 130, and an account opening unit 140.

The authentication unit 110 requests authentication processing from the customer terminal 200 in response to a non-face-to-face account opening service request from the customer terminal 200, receives the corresponding information, and processes the authentication process. At this time, the information requested by the authentication unit 110 may include, for example, corporate business joint certificate authentication, corporate representative mobile phone identity authentication, etc., and at this time, a necessary checklist can be checked in advance.

The application unit 120 receives applications required for non-face-to-face account opening services from the authenticated customer terminal 200 and processes the applications. At this time, application matters include selecting a financial product related to the account, checking product descriptions, and processing consent and terms and conditions. Financial products may include, for example, corporate free deposits and foreign currency multi-currency deposits. In addition, the application unit 120 may request customer information from the customer terminal 200 and receive the information, and may request and receive the completion of an application form according to a designated form. At this time, customer information may include corporate business information, representative information, financial transaction purpose, actual owner of the corporation, Foreign Account Tax Compliance Act (FATCA) information, etc. In addition, the application form may include account password, information required for corporate electronic finance, mobile OTP issuance processing, and selection of branch for major business processing.

At this time, at least some of the contents required for the application can be automatically filled by loading external data through the external information provision system 310. For example, information such as business registration number, business name, business address, business phone number, business email address, website corporation establishment date, number of employees, etc. can be retrieved using corporate information data and entered automatically. The application unit 120 can request the customer terminal 200 only for the remaining information that has not been automatically entered. This automatic entry may be provided only to the customer terminal 200 that has consented thereto.

Meanwhile, the application unit 120 may request and receive related confirmation documents from the customer terminal 200. In this case, in some cases, rather than requesting the entire form of the document, only the issuing number related to the document may be requested. For example, when the application unit 120 requests the Standard Financial Statement Certification Agency, instead of requesting that the entire document be photographed and transmitted, only the document issuance number of the Standard Financial Statement Certification Agency may be entered.

The verification unit 130 verifies the authenticity of the information and documents received by the application unit 120 from the customer terminal 200. That is, when the application unit 120 receives only the document issuance number input from the customer terminal 200, the confirmation unit 130 searches the relevant agency system 320 for the document based on the issuance number and enters the document. Receive and save the captured image. At this time, the related agency system 320 may be a home tax system operated by the National Tax Service or a system operated by a registry office. The related agency system 320 can check the closed business inquiry, business registration certificate, value-added tax base certificate, and standard financial statement certificate from the Hometex system, and can check all registered information certificates from the registry office system.

The confirmation unit 130 may generate a screen for confirmation of documents received from the related organization system 320 and provide the screen to the employee terminal 400.

When the confirmation process of the confirmation unit 130 is completed, the account opening unit 140 opens an account for the customer terminal 200. At this time, the account is set according to the type selected by the customer terminal 200.

Now, with reference to FIG. 3, a financial service method according to an embodiment of the present invention will be described in detail.

Figure 3 is a flowchart showing a financial service method according to an embodiment of the present invention.

Referring to FIG. 3, the customer terminal 200 applies to the financial service system 100 for a non-face-to-face account opening service (S310).

Then, the financial service system 100 requests the customer terminal 200 to perform authentication for non-face-to-face account opening (S320). The customer terminal 200 transmits information required for authentication to the financial service system 100 (S321). The financial service system 100 receives authentication information from the customer terminal 200 and processes authentication (S322). At this time, authentication includes joint business certificate authentication and representative mobile phone identity authentication.

The financial service system 100 requests information about the customer terminal 200 from the external information provision system 310 based on the information about the customer terminal 200 obtained through the authentication process and receives the information, thereby performing an information retrieval process. Process (S330). At this time, the external information provision system 300 is a server operated by a company that holds corporate information, and may be, for example, NICE Co., Ltd.

The financial service system 100 generates an application form including the retrieved company information by automatically filling it (S340) and transmits it to the customer terminal 200 to request application information (S341).

Then, the customer terminal 200 fills in information in the received application form and transmits the application form to the financial service system 100 (S342). At this time, the customer terminal 200 may attach the necessary documents to the application and transmit an image file of a scanned document, or may transmit only the issuance number of the document.

When the financial service system 100 receives the issuance number for a required document, it requests the external system 320 to query the document based on the issuance number (S350). At this time, the external system 320 may be a server operated by the National Tax Service or a registry office. The external system 320 transmits an image file for the document as a result of the search to the financial service system 100 (S351).

The financial service system 100 stores the received document image file and creates a screen for confirmation processing (S352). This screen can be created as shown in FIG. 4.

Subsequently, the financial service system 100 can transmit this screen to the employee terminal 400 so that the employee can manually perform a verification process for non-face-to-face account opening.

When the verification process is completed at the employee terminal 400, the financial service system 100 processes an account opening for the corresponding customer terminal 200 (S360). Thereafter, the financial service system 100 notifies the customer terminal 200 that account opening has been completed (S370).

According to one embodiment of the present invention, an account opening in the name of a corporation can be performed without directly visiting a financial institution or having to face a financial institution employee. In addition, necessary information is automatically filled out during the non-face-to-face account opening process, promoting customer convenience.

Meanwhile, due to the nature of a corporation, the documents that must be submitted to open an account are more diverse and complex than those for general account opening, so there was inconvenience in submitting documents when processed non-face-to-face. According to one embodiment of the present invention, rather than directly transmitting all of these documents, all subsequent processing is handled by the financial institution by simply entering the issuance number of the relevant document, thereby promoting convenience for customers and conveniently verifying the authenticity of the documents. By doing so accurately, the stability of financial institutions can be secured.

The embodiments of the present invention described above are not only implemented through devices and methods, but can also be implemented through programs that implement functions corresponding to the configurations of the embodiments of the present invention or recording media on which the programs are recorded.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concept of the present invention defined in the following claims are also possible. It falls within the scope of rights.

Claims (16)

An authentication department that processes the authentication process for non-face-to-face account opening upon request from a customer terminal used by a corporate customer;
An application department that receives an application form containing the information required for non-face-to-face account opening from the customer terminal and processes the application, and
Account opening unit that processes account opening for the customer terminal
Financial service system including. In paragraph 1:
The application section is,
At least one of the necessary information is retrieved from an external system, an automatically filled-in application form is created, and the information is provided to the customer terminal.
Financial services system. In paragraph 2,
The application section is,
Processing the automatic entry when there is consent from the customer terminal
Financial services system. In paragraph 1:
The application section is,
Additional documents for non-face-to-face account opening are received from the customer terminal.
Financial services system. In paragraph 1:
The application section is,
Receiving the issuance number for the documents for non-face-to-face account opening from the customer terminal
Financial services system. In paragraph 5,
Verification department that verifies the authenticity of the above documents based on the above issuance number
A financial service system further comprising: In paragraph 6:
The confirmation section,
Requesting the system of the relevant institution for the document to view the document based on the issuance number, and receiving and storing the captured image of the document
Financial services system. In paragraph 7:
The confirmation section,
Based on the captured image, a screen for confirmation of the document is created and provided to the employee terminal.
Financial services system. A financial service method in which a financial service system processes non-face-to-face account opening for a corporate customer, comprising:
Receiving a non-face-to-face account opening request from the customer terminal,
Processing authentication for the customer terminal,
A step of transmitting an application to the customer terminal,
Receiving the application form and necessary document information from the customer terminal, and
Processing account opening for the customer
Financial service methods including. In paragraph 9:
The steps for processing the authentication are:
A financial service method that includes corporate business joint certificate authentication or corporate representative mobile phone identity authentication. In paragraph 9:
Before sending the above application,
Retrieving at least some of the necessary customer information from an external system, and
Automatically entering the customer information into the application form,
A financial service method further comprising: In paragraph 11:
Before the loading step,
Receiving consent to the automatic entry from the customer terminal
A financial service method further comprising: In paragraph 9:
The above document information includes the issuance number of the document.
Financial services methods. In paragraph 13:
Requesting the relevant agency's system to inquire about the document based on the issuance number
A financial service method further comprising: In paragraph 14:
Saving the captured image for the document
A financial service method further comprising: In paragraph 15:
Creating a screen to confirm the authenticity of the document based on the captured image, and
Step of transmitting the above screen to an employee terminal
A financial service method further comprising:

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