KR20090001953A

KR20090001953A - System and method for managing deposit account by using providing real goods for pre-interst and program recording medium

Info

Publication number: KR20090001953A
Application number: KR1020070052400A
Authority: KR
Inventors: 이용종
Original assignee: 주식회사 신한은행
Priority date: 2007-05-29
Filing date: 2007-05-29
Publication date: 2009-01-09

Abstract

A system and a method for managing a savings account by providing pre-interest for a real commodity are provided to confirm an amount of pre-interest, an amount of real interest and a penalty for breach of contract at a point of an expiration date, produce an amount of already provided interest and adjust an amount of redemption money by subtracting the amount of already provided interest from a principal deposited in the saving account. A method for managing a savings account by providing pre-interest for a real commodity comprises of the following steps. An information receiving unit receives account properties information, real commodity selection information corresponding to an amount of interest which is provided to a customer on an expiration date of the savings account. The savings account including account properties is opened. Account information and commodity information corresponding to the real commodity selection information and the account properties information are stored.

Description

System and Method for Managing Deposit Account by Using Providing Real Goods for Pre-interst and Program Recording Medium}

1 is a view showing the configuration of a deposit (or savings) account opening and operation system for providing a physical product as a pre-owner according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a system for establishing a face-to-face deposit (or savings) account for deposit (or savings) subscription for providing a physical product as a predecessor according to one embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium for storing information corresponding to a deposit (or savings) account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

4 illustrates a database in which a storage medium storing storage information corresponding to a deposit (or savings) account opened in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

5 is a diagram illustrating an implementation method including a DBMS provided in a banking server, the storage medium storing the storage information corresponding to the deposit (or savings) account opened in a face-to-face manner according to another embodiment of the present invention. to be.

6A, 6B, and 6C are diagrams illustrating a process of opening a deposit (or savings) account for joining a deposit (or savings) that provides a real product as a predecessor in a face-to-face manner according to one embodiment of the present invention.

7A, 7B, and 7C are diagrams illustrating a process of opening a deposit (or savings) account for joining a deposit (or savings), which provides a real product as a predecessor in a face-to-face manner according to another exemplary embodiment of the present invention.

8A, 8B, and 8C are diagrams illustrating a process of opening a deposit (or savings) account for joining a deposit (or savings), which provides a physical product as a front-line buyer in a face-to-face manner according to another exemplary embodiment of the present invention. .

FIG. 9 is a diagram illustrating a non-face-to-face deposit (or savings) account opening system for deposit (or savings) subscription for providing a physical product as a predecessor according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium storing storage information corresponding to a deposit (or savings) account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

11 is a database associated with a ledger D / B equipped with a storage medium for storing information corresponding to a deposit (or savings) account opened in a non-face-to-face manner according to another embodiment of the present invention provided in a DBMS on a financial system. A diagram showing an implementation method including a.

FIG. 12 illustrates an embodiment of a method in which a storage medium for storing storage information corresponding to a deposit (or savings) account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another embodiment of the present invention. Drawing.

13A, 13B, and 13C are diagrams illustrating a process of opening a deposit (or savings) account for providing a real product as a prepaid entity in a non-face-to-face manner according to one embodiment of the present invention.

14A, 14B, 14C, and 14D are diagrams illustrating a process of opening a deposit (or savings) account for providing a physical product as a prepaid according to one embodiment of the present invention.

FIG. 15 is a diagram illustrating a deposit (or savings) account operating system for deposit (or savings) operation in which a physical product is provided as a prepayment according to an embodiment of the present invention.

16 is a diagram illustrating a principal repayment process when the maturity of the deposit (or savings) for the management of the deposit (or savings) provided by the real goods in accordance with the implementation method of the present invention.

FIG. 17 illustrates a process of repaying an overpaid interest amount from a principal upon revocation of a deposit (or savings) account for managing the deposit (or savings) provided by the real product according to an embodiment of the present invention. One drawing.

100: electronic document server 105, 900: deposit account opening server

110: deposit (account) account management server 115: ledger D / B

According to the present invention, when opening a predetermined deposit (or savings) account, predetermined customer information, predetermined interest information (or interest rate) information, payment amount information, and contract term information for the deposit (or savings) account are provided. Select a predetermined physical commodity corresponding to the interest amount to be paid to the customer on the maturity date of the deposit (or savings) account based on the account attribute information, the interest rate (or interest rate) information, the payment amount information, and the contract term information. Receiving information, opening a predetermined deposit (or savings) account including the account attributes in a predetermined account opening means, and an account corresponding to the deposit (or savings) account in a predetermined information storage means; Storing information in a predetermined storage medium in association with the account attribute information and predetermined payment product information corresponding to the physical product selection information, and storing the information in a predetermined storage medium. If the termination is requested before the expiration date of the deposit (or savings) account, the interest rate (or interest rate) information and payment amount information for the deposit (or savings) account in connection with the storage medium in a predetermined information checking means; Confirming the account attribute information including the contract term information and the paid product information, and confirming a prepaid interest amount corresponding to the paid product information in a predetermined cancellation amount calculating means, and canceling the based on the account attribute information Checking the actual interest amount and the penalty amount at the time, calculating the overpayment interest amount by subtracting the actual interest amount and the penalty amount from the prepaid interest amount, and depositing the deposit (or savings) account in a predetermined interest payment means; Preliminary commodity commodity comprising the step of subtracting the overpayment interest amount from the principal to settle a predetermined repayment amount Deposits by grade (or savings) related to account management method.

Due to the rapid development of the financial industry, financial institutions are now making periodic deposits, free savings deposits, housing deposits, first savings deposits, daily savings deposits, household checking deposits, first index deposits, first safety deposits (RP), and first periodic deposits (rotary). Various services are provided.

However, all of the above services have a problem of receiving a profit amount after a certain period of time in a subsequent interest method, and the interest payment method mainly provides cash, which hinders the smooth flow of financial institutions. have.

An object of the present invention for solving the above problems is, when opening a predetermined deposit (or savings) account, predetermined customer information, interest rate (or interest rate) information and payment amount information for the deposit (or savings) account and contract amount A predetermined amount corresponding to an interest amount to be paid to the customer at the maturity date of the deposit (or savings) account based on account attribute information including period information, the interest rate (or interest rate) information, the payment amount information, and the contract period information; Information receiving means for receiving real product selection information, account opening means for opening a predetermined deposit (or savings) account including the account attribute, account information corresponding to the deposit (or savings) account, and the account attribute Information storage means for linking the information with predetermined payment product information corresponding to the physical product selection information and storing the information on a predetermined storage medium; If termination is requested before the due date of the deposit (or deposit) account, the account attribute including interest rate (or interest rate) information, payment amount information and contract term information for the deposit (or deposit) account in connection with the storage medium; Information, means for confirming payment information and payment advance information corresponding to the payment product information is checked, and based on the account attribute information, the actual interest amount and the penalty at the time of termination is confirmed, and the advance payment is made. A termination amount calculation means for calculating an overpayment interest amount by subtracting the actual interest amount from the interest amount and a penalty amount, and a predetermined repayment amount by subtracting the overpayment interest amount from the principal deposited in the deposit (or savings) account; It is to provide a deposit (or savings) account management system through payment of interest on real commodities including advance interest and settlement means.

According to the present invention, a method of operating a deposit (or savings) account through prepayment of a physical commodity includes: predetermined customer information and a deposit (or savings) account at a predetermined information receiving means when a predetermined deposit (or savings) account is opened. Account property information, including interest rate (or interest rate) information, payment amount information, and contract term information for the account, the interest rate (or interest rate) information, payment amount information, and contract term information. Receiving predetermined physical commodity selection information corresponding to the interest amount to be paid to the customer at the expiration date, opening a predetermined deposit (or savings) account including the account attribute at a predetermined account opening means; A predetermined payment corresponding to the account information corresponding to the deposit (or savings) account, the account attribute information, and the physical product selection information in a predetermined information storing means; Storing the product information in a predetermined storage medium in association with the product information, and when a cancellation is requested before the expiration date of the deposit (or savings) account from the customer, the deposit information is linked with the storage medium in a predetermined information checking means. Or checking the account attribute information including interest rate (or interest rate) information, payment amount information, and contract term information for the account, payment product information, and corresponding payment product information in a predetermined cancellation amount calculation means. Confirming the prepaid interest amount, checking the actual interest amount and the penalty amount at the time of termination based on the account attribute information, and calculating the overpayment interest amount by subtracting the actual interest amount and the penalty amount from the prepaid interest amount; Deducting the overpaid interest amount from the principal deposited in the deposit (or savings) account by a predetermined advance interest settlement means; Including the step of clearing than the predetermined payments is characterized in that formed.

According to the present invention, the method of operating a deposit (or savings) account through the payment of the real goods advance interest, when the expiration of the deposit (or savings) account, the deposit (or savings) in the predetermined deposit (or savings) account operating means Repayment of the principal deposited in the account to the customer, characterized in that made.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the method of operating the deposit (or savings) account through the above-described real goods advance payment.

On the other hand, the deposit (or savings) account operating system through the prepayment of real goods in accordance with the present invention, when opening a predetermined deposit (or savings) account, predetermined customer information and the interest rate for the deposit (or savings) account ( Or on the expiration date of the deposit (or savings) account based on account attribute information including interest rate information, payment amount information and contract term information, and interest rate (or interest rate) information, payment amount information and contract term information. Information receiving means for receiving predetermined physical goods selection information corresponding to the amount of interest to be paid to the account, account opening means for opening a predetermined deposit (or savings) account including the account attribute, and the deposit (or savings) The information that stores the information on the storage medium in association with the account information corresponding to the account, the account attribute information and the predetermined payment product information corresponding to the real product selection information. If the cancellation means is requested before the expiration date of the deposit (or deposit) account from the customer, the interest rate (or interest rate) information and payment amount information for the deposit (or deposit) account in conjunction with the storage medium; Check the account attribute information including the contract term information, information confirmation means for confirming the payment product information, the prepaid interest amount corresponding to the payment product information, and the actual interest at the time of termination based on the account attribute information. A termination amount calculation means for checking an amount and a penalty amount and subtracting the actual interest amount and the penalty amount from the prepaid interest amount and calculating the overpayment interest amount; and the overpayment interest amount from the principal deposited in the deposit (or savings) account. It is characterized in that it comprises a line and a settlement means for calculating a predetermined repayment amount by deduction.

According to the present invention, the deposit (or savings) account management system through the pre-payment of real goods, upon arrival of the expiration of the deposit (or savings) account, repays the principal deposited in the deposit (or savings) account to the customer It is characterized by comprising a deposit (or savings) account operating means.

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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a view showing the configuration of a deposit (or savings) account opening and operation system for providing real goods as a preemptive buyer according to an embodiment of the present invention.

In more detail, Figure 1 shows a predetermined deposit (or savings) in order for a given customer to open and operate a deposit (or savings) account by prepaying the deposit (or savings) account interest as a predetermined physical commodity. At the time of opening a predetermined deposit (or savings) account in the account opening server 105, 900, the amount of interest in the opening account through the payment amount information, the contract period information, and the interest rate (or interest rate) information of the deposit (or savings) account. When the contract term of the deposit (or savings) that calculates the information, provides the real goods according to the interest amount information, and provides the real goods as the first interest, expires, the deposit (or savings) account management system to the customer Only repay the principal of the savings (or savings) account, or terminate the deposit (or savings) account, the deposit (or savings) account management system will apply to the deposits (or savings) account; Cancellation amount information and overpayment interest information are calculated based on the account attribute information and the payment physical commodity information, and the finalized settlement information to be finally settled to the customer by checking the monetization information and the recoverability information of the predetermined physical commodity information. It shows the system configuration to settle the principal through calculation.

Referring to FIG. 1, the deposit (or savings) account opening and operation system provides a deposit (or savings) account for opening a deposit (or savings) account that provides a predetermined real goods transmitted through a predetermined terminal device. Deposit (or savings) account opening server (105, 900) for opening a deposit (or savings) account for providing a predetermined physical goods to the buyer by checking the application information, and deposits (or savings for providing the physical goods as an earlier interest) The electronic document server 100 which stores the deposit (or savings) account electronic document for the predetermined real commodity interest corresponding to the opening of the account, and the deposit (or savings) account opening servers 105 and 900. When the maturity of the deposit (or savings) account providing the physical commodity is due, or when the deposit (or savings) account is terminated, the principal shall be transferred from the deposit (or savings) account providing the physical commodity as the first interest. And a deposit (or savings) account management server 110 to settle the ring or a principal, characterized in that obtained by having a banking system in which the deposit account is held (or savings).

The deposit (or savings) account opening server (105, 900) is at least one of the terminal terminal provided in the branch (or branch) of the financial institution, or a client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network, etc. The deposit (or savings) account for the real goods advance interest deposit (or savings) in connection with the terminal device comprising a.

Here, the deposit (or savings) account is characterized in that the interest amount corresponding to the payment amount information, contract period information, interest rate (or interest rate) information is provided in the form of real goods, thereby the deposit (or savings) account When the maturity of the arrival, characterized in that only repayment of the principal to the customer.

If the deposit (or savings) account is terminated, at least one of the payment amount information and the contract period information of the deposit (or savings) account is not satisfied in the interest amount corresponding to the prepaid physical goods. In addition to the penalty for deposit (or savings) account, the amount of interest prepaid to the prepaid physical commodity is subtracted from the amount of interest up to the point of termination, and then repaid to the customer. Characterized in that.

According to the method of the present invention, the deposit (or savings) account opening server (105, 900) opens the deposit (or savings) account in the process of opening a deposit (or savings) account that provides the real goods as a preemptive. An electronic document for depositor (or savings) account for the physical commodity interests, which includes at least one or more application information for opening a deposit (or savings) account for providing a predetermined customer information and a physical product as an advance buyer, through a predetermined communication means. Provided to the electronic document server 100, and correspondingly the electronic document server 100 preferably stores the deposit (or savings) account electronic document for providing the real goods as a preemptive.

Here, the deposit (or savings) account electronic document providing the physical goods as a prepayer may include performing a function of ensuring free and non-repudiation of deposits (or savings) accounts providing the real goods as a preemptive entity. Is done.

The deposit (or savings) account management server 110 includes at least one or more terminal devices provided in a branch (or branch) of a financial institution, or a client terminal including a wired terminal or a wireless terminal connected through a predetermined communication network. Repay the principal to the deposit (or savings) account when the deposit (or savings) account expires in connection with the terminal device, or when the account is terminated to the deposit (or savings) account, the principal is deposited into the deposit (or savings) account. It is characterized by operating to settle.

The financial system is characterized by comprising the ledger information corresponding to the deposit (or savings) account opened by the deposit (or savings) account opening server 105, 900, the deposit (or savings) account It is characterized in that in connection with the operation server 110 performs the functions such as computerized processing and ledger for the deposit (or savings) account.

According to an embodiment of the present invention, the financial system opens at least one deposit (or savings) account to at least one financial transaction customer and provides at least one financial transaction service based on the deposit (or savings) account. It is a computer system provided in financial institutions for the purpose of processing accounting services such as credit or reception occurring in at least one branch (or window), processing of headquarters operations, branch office information support and customer information management. Interconnection between the information system and the 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, telebanking, TV banking, etc.) And an external system that provides various financial transaction interfaces through access or at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform that provides inter-interfaces, and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component in the financial system. It is preferred to have a DBMS (Database Management System) comprising at least one database for storing and managing the.

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one or more deposit (or savings) account to at least one or more financial transaction customers, at least one based on the deposit (or savings) account And a ledger D / B 115 for storing at least one ledger for providing the above financial transaction service, wherein the ledger D / B 115 is provided by the financial institution to the financial transaction customer. At least one or more ledger information (eg, customer ledger, reception ledger, collateral ledger, etc.) for processing at least one financial transaction to be performed, and more specifically (or supplementing) the attributes / functions of each ledger information (eg, each ledger) At least one general ledger additional information is stored in a relational manner.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 115 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood that the detailed description thereof will be omitted for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the deposit (or savings) account opening server 105, 900 and the deposit (or savings) account server are illustrated as being configured as separate servers, but The server configuration of the invention is not limited to the deposit (or savings) account opening server 105, 900 and the deposit (or savings) account operating server 110, and the deposit (or savings) account opening server 105, 900 and the deposit (or savings) account management server 110 is implemented in the form of a single server, or in the form of a separate server (or device) to the program module provided in each server for each functional configuration provided in each server It is to be clearly understood that all of these are possible and thereby the invention is not limited.

2 is a diagram illustrating a system for opening a face-to-face deposit (or savings) account for deposit (or savings) subscription in which real goods are provided as preemptive according to one embodiment of the present invention.

More specifically, FIG. 2 shows a predetermined financial institution that a predetermined customer prepares a deposit (or savings) account application that includes at least one of predetermined customer information, account attribute information, real product senior interest payment information, and physical product selection information. When submitted to the window provided at the bank, the financial institution registers a deposit (or savings) subscription for providing the real product as a pre-payer based on the deposit (or savings) subscription application information corresponding to the deposit (or savings) account application. A storage medium 275 may be provided for opening a deposit (or savings) account for the storage and storing information including at least one of customer information, account information, account attribute information, and payment product information for managing the deposit (or savings) account. As a system configuration for storing in a), those of ordinary skill in the art to which the present invention pertains, refer to this figure 2 or change It would be possible to infer various implementation methods for the construction of a deposit (or savings) account opening system for deposit (or savings) subscription for providing a physical product as a predecessor, but the present invention includes all the implementation methods inferred above. However, the present invention is not limited to the implementation method shown in FIG. 2 only.

For example, a person of ordinary skill in the art to which the present invention pertains may make a deposit (or omit the implementation method of storing the deposit (or savings) account electronic document in the electronic document repository by referring to or modifying the drawing 2. It is possible to infer the configuration of the account opening system, and even when the deposit (or savings) account electronic document is stored in the electronic document repository, the electronic document repository is stored in addition to the implementation method shown in FIG. Or savings) can be inferred the implementation method provided in the DBMS located in the account opening system, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 2, in the method of generating the deposit (or savings) account electronic document, the deposit (or savings) account electronic document corresponding to the deposit (or savings) account application is stored in the deposit ( Or a deposit) a server side on the account opening system, but the present invention is not limited thereto, and the deposit (or deposit) account electronic document is stored in the deposit (or deposit) through a predetermined image acquisition device. Saving may be generated on the terminal side obtained the image content corresponding to the account application (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the deposit (or savings) account electronic document) The present invention is not limited thereto.

Hereinafter, the deposit (or savings) account application and deposit (or savings) subscription application information created by the customer through a predetermined deposit (or savings) account opening interface on the deposit (or savings) account opening system shown in FIG. Correspondingly, at least one means or functional configuration for causing the customer to open the deposit (or savings) account and generate a corresponding deposit (or savings) account electronic document and store it in a predetermined electronic document repository. The component to be referred to as "deposit (or savings) account opening server 105" for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a deposit (or savings) account opening system for deposit (or savings) subscription, which provides the real goods as an advance buyer, includes at least one financial institution branch (or branch). It characterized in that it comprises a terminal device 280 including a window terminal provided in the, the terminal device 280 is a deposit provided on the deposit (or savings) account opening system through a predetermined financial network ( Or savings) account opening server 105 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to join a deposit (or savings) that provides the real product as a predecessor, and a window provided at the financial institution branch branch (branch branch). A deposit (or savings) account application (e.g., deposit (or savings) for providing the physical goods in advance) for a subscription (or savings) for the deposit (or savings) that provides the physical goods as an advance A document with a form for filling in at least one item of information for signing up, wherein the customer stamps the customer's seal for legal basis on the deposit (or savings) account application. It is preferable.

Thereafter, when the customer submits the completed deposit (or deposit) account application to the teller, the teller scans the deposit (or deposit) account application through a predetermined image obtaining device to obtain predetermined image content. Image content obtained in response to the deposit (or savings) account application through the designated counter terminal, customer information written on the deposit (or savings) account application, account attribute information, real goods prepaid payment information and physical product selection Input (or select) deposit (or deposit) subscription application information including at least one information; and correspondingly, the counter terminal transmits the image content and deposit (or deposit) subscription application information through the financial network. It is preferable to transmit to the deposit (or savings) account opening server 105 provided on the (or savings) account opening system.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the deposit (or savings) account opening server 105 connected to the window terminal is the predetermined financial It is preferable to include a server (eg, ledger server, etc.) provided on the system, the financial network connecting the teller terminal and the deposit (or savings) account opening server 105 is the teller terminal and the deposit (or Savings) It is preferable to include a current network that connects the communication channel between the account opening server 105.

In the deposit (or savings) account opening system as described above, an image acquisition device for acquiring image content corresponding to the deposit (or savings) account application prepared by the customer, a teller terminal and the teller terminal used by the employee; The financial network connecting the deposit (or savings) account opening server 105 is a deposit for registering the deposit (or savings) subscription application information for the customer to register the deposits (or savings) for providing the real goods as a predecessor. It performs the function of the account opening interface.

The storage medium 275 provided on the deposit (or savings) account opening system according to the present invention is a deposit (or savings) opened through the deposit (or savings) subscription application information provided from the terminal device 280. And storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the account.

According to an embodiment of the present invention, the stored information includes customer information for opening the deposit (or savings) account through the deposit (or savings) subscription application information, account information corresponding to the deposit (or savings) account, and Payment product information corresponding to the product paid to the customer by matching the account attribute information with the interest amount calculated in correspondence with the payment amount information, the contract period information, and the interest rate (or interest rate) information for the deposit (or savings) account; It is preferable to include at least one.

The customer information is personal information of the customer who opens a predetermined deposit (or savings) account through the deposit (or savings) subscription application information (for example, the name, resident registration number, address, telephone number, mobile number, e-mail address, etc. of the customer). ) And a customer provided on the financial system associated with the deposit (or savings) account opening system in response to the customer by the member information of the customer (for example, when the customer subscribes as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

The account information is deposit (or savings) account information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information, wherein the account information corresponds to the deposit (or savings) account. It is preferable to include at least one or more account number, account holder name and the like.

Preferably, the account attribute information includes at least one of interest rate (or interest rate) information, payment amount information, and contract period information for the deposit (or savings) account opened through the deposit (or savings) subscription application information. Do.

Here, the interest rate (or interest rate) information included in the account attribute information preferably includes at least one of interest rate (or interest rate) information according to the payment amount information and interest rate (or interest rate) information according to the contract period.

The payment amount information included in the account attribute information may include at least one payment amount information of a savings account and payment amount information of a savings account.

The contract period information included in the account attribute information may include at least one account opening date information and contract expiration date information.

The payment product information is matched with the interest rate (or interest rate) information, the payment amount information and the contract period information of the deposit (or savings) account opened through the deposit (or savings) subscription application information matching After a predetermined real product is paid to the customer, it is preferable to include at least one of product information, product price information, payment date information, customer receipt confirmation information, etc. corresponding to the real product prepaid to the customer. .

Here, the product information included in the payment product information preferably comprises at least one or more product name, manufacturer, model name, etc. corresponding to the real product prepaid to the customer.

In addition, the commodity price information included in the payment product information includes a supply price (eg, a purchase price) corresponding to a real product prepaid to the customer, a predetermined price (eg, a price determined by matching an interest amount), and the like. It is preferable to comprise at least one or more.

The payment date information included in the payment product information may include at least one or more days (eg, year / month / day) when the real product is paid to the customer.

In addition, it is preferable that the customer receipt confirmation information included in the payment product information includes at least one or more customer approval numbers or real goods delivery invoice numbers corresponding to real goods prepaid to the customer.

According to one embodiment of the invention, the storage medium 275 is provided in a DBMS on a financial system provided on the deposit (or savings) account opening system (or associated with the deposit (or savings) account opening system). In this case, the storage medium 275 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 275 is an internet banking system, or a telebanking system, or a wireless banking system provided on (or associated with) the deposit (or savings) account opening system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The deposit (or savings) account opening server 105 provided on the deposit (or savings) account opening system according to the present invention is the deposit (or savings) connected to the terminal device 280 through a predetermined financial network. General term for the account opening system-side components, may be implemented including at least one or more servers (or devices), or may be implemented in at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

According to an embodiment of the present invention, when the terminal device 280 is a window terminal connected to a predetermined financial network, the deposit (or savings) account opening server 105 may be connected to the window terminal through a predetermined financial network. It may be a ledger server provided on the connected financial system, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the deposit (or savings) account opening server 105 is an interface unit (or interface means) for connecting and managing a predetermined communication channel with the terminal device 280 through the financial network ( And 200).

According to an embodiment of the present invention, when the terminal device 280 is a window terminal that is connected to a predetermined financial network, the interface unit 200 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the deposit (or savings) account opening server 105 has a predetermined terminal device 280 through the interface unit 200 and the deposit (or savings) account opening server 105. When the communication channel is connected, a deposit (or savings) account application prepared by the customer through a predetermined image acquisition device provided in the terminal device 280 for subscription of the deposit (or savings) for providing the real goods as a preemptive buyer. Acquire image contents corresponding to, and input (or select) deposit (or savings) subscription application information corresponding to the deposit (or savings) account application to transmit to the deposit (or savings) account opening server 105. An interface for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the terminal device 280 in association with the interface unit 200. Inputting (or selecting) the subscription (or savings) subscription application information corresponding to the deposit (or savings) account application through the user interface (205) and the terminal device 280 through the user interface. And an information receiving unit (or information receiving means) 210 for receiving the deposit (or savings) subscription request information transmitted from the terminal device 280 in association with the interface unit 200 and the terminal. When the device 280 acquires and transmits the image content corresponding to the deposit (or savings) account application prepared by the customer through a predetermined image acquisition device based on the user interface, the device 280 cooperates with the interface unit 200. And an image receiving unit (or image receiving means) 215 for receiving image contents corresponding to the deposit (or savings) account application. The.

The interface providing unit 205 connects the deposit (or savings) account opening server 105 with a predetermined communication channel through the interface unit 200, and then stores the deposit (or savings). When requesting a user interface for a deposit (or savings) subscription that provides the real goods as an advance buyer to an account opening server 105, the customer creates a predetermined image acquisition device provided in the terminal device 280. Acquire image contents corresponding to the deposit (or savings) account application, input (or select) deposit (or savings) subscription application information corresponding to the deposit (or savings) account application, and transmit the deposit ( Or at least one user interface to be sent to the account opening server 105 or extracted from a predetermined database (not shown), and the interface unit. In operation 200, the generated (or extracted) user interface may be provided to the terminal device 280 through the financial network.

According to another embodiment of the present invention, the terminal device 280 acquires image contents corresponding to the deposit (or savings) account application prepared by the customer through a predetermined image acquisition device, and stores the deposit (or savings) account application. Predetermined information having at least one user interface for inputting (or selecting) the deposit (or savings) subscription application information corresponding to the transfer to the deposit (or savings) account opening server 105 through the financial network. When the registration program is provided, the image content corresponding to the deposit (or savings) account application prepared by the customer is obtained through the predetermined image obtaining apparatus as described above, and the deposit corresponding to the deposit (or savings) account application ( Or saving)) a user who inputs (or selects) subscription application information and transmits it to the deposit (or savings) account opening server 105. Generating the interface (or extraction) to the user terminal and the interface providing unit 205 is mubang be omitted to provide a device 280, to which the present invention is not limited.

Thereafter, the terminal device 280 inputs (or deposits) subscription application information including at least one of the customer information, the account attribute information, the real product prepaid payment information, and the real product selection information through the user interface (or And transmits the input (or selected) subscription (or savings) subscription application information to the deposit (or savings) account opening server 105 through the financial network, and correspondingly, the information receiving unit 210. Is characterized in that for receiving the deposit (or savings) subscription request information transmitted from the terminal device 280 in conjunction with the interface unit 200.

According to one embodiment of the invention, the deposit (or savings) subscription information is preferably made of customer information, deposit (accounts) account attribute information, real goods prepayment payment information, real goods selection information and the like.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system associated with the deposit (or savings) account opening system in response to the customer, may be included. It is preferable to include one or more.

Preferably, the account attribute information includes at least one of interest rate (or interest rate) information, payment amount information, and contract period information in the opened deposit (or savings) account.

Here, the interest rate (or interest rate) information included in the account attribute information preferably includes at least one of interest rate (or interest rate) information according to the payment amount information and interest rate (or interest rate) information according to the contract period information. .

The real goods advance interest payment information provides the terms and conditions agreement information (e.g., the terms and conditions for deposits or deposits that provide the real goods as the predecessors in the deposit or deposit subscription application, and the customer applies to the actual goods advance interest payments in the deposit or deposit subscription application). By agreeing to the relevant terms and conditions, by providing information on whether or not to register for deposit or savings provided by a physical commodity prepaid, and customer physical goods request information (e.g., information about a physical commodity request for the deposit or savings prepaid to which the customer subscribes) It is preferable to include at least one or more) (such as information to confirm whether the deposit or savings subscription provided by the actual product buyers).

The physical product selection information is information for selecting a type / intangible product that the customer wants to purchase (or receive) through an interest amount prepaid in response to the deposit (or savings) account. TVs, PDPs, computers, cell phones, refrigerators, air conditioners, etc., valuables or accessories (e.g. rings, necklaces, watches, etc.), travel products (e.g., Hawaii, Jeju Island, Mt. (Condo, hotel, pension, etc.) and leisure sports membership (e.g. golf membership, ski membership, etc.) is preferably included at least one, and various modifications according to the intention (or customer's request) of those skilled in the art It is possible to use, and thereby the present invention is not limited.

According to the present invention, the real commodity price (eg, a predetermined price) included in the real commodity selection information is based on the interest rate (or interest rate) information, the payment amount information, and the contract period information. It is characterized by setting to match the interest amount to be paid to the customer on the expiration date of the account.

In addition, the terminal device 280 obtains the image content corresponding to the deposit (or savings) account application prepared by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is financed The depositor (or savings) account opening server 105 is transmitted to the server 105 through the network. In response thereto, the image receiver 215 is connected to the interface unit 200 to correspond to the deposit (or savings) account application. And receiving image content.

According to another exemplary embodiment of the present invention, the terminal device 280 acquires image content corresponding to the deposit (or savings) account application prepared by the customer through a predetermined image acquisition device, and transmits the image content to the terminal device 280. When the terminal device 280 is previously stored in a predetermined storage device (or associated), the terminal device 280 may store (or deposit) a deposit made by the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content corresponding to the account application is selected and transmitted to the deposit (or savings) account opening server 105 through the financial network. In response thereto, the image receiving unit 215 is connected with the interface unit 200. It is preferable to receive image contents corresponding to the deposit (or savings) account application.

According to another exemplary embodiment of the present invention, the terminal device 280 corresponds to the image contents corresponding to the deposit (or deposit) account application created by the customer through the user interface and the corresponding to the deposit (or deposit) account application. When the deposit (or savings) subscription application information is transmitted together, the information receiving unit 210 is associated with the interface unit 200 and the image content corresponding to the deposit (or savings) account application and deposit (or savings) subscription It is possible to receive the application information together (for example, the image receiving unit 215 is integrated into the information receiving unit 210 and operated), whereby the present invention is not limited.

Referring to FIG. 2, when the deposit (or savings) account opening server 105 receives the deposit (or savings) subscription request information transmitted from the terminal device 280 through the information receiving unit 210, And a validity checking unit (validation checking means) 220 for checking whether the received deposit (or savings) subscription application information satisfies the validity for the deposit (or savings) subscription providing the real product as a predecessor. It is done.

According to the method of the present invention, the validity of the deposit (or savings) subscription application information is confirmed in the deposit (or savings) to the ledger D / B 115 on the financial system associated with the deposit (or savings) account opening system. It is preferable to include whether the at least one ledger information matching the subscription application information is registered.

For example, the validity of the deposit (or deposit) subscription application information is the information contained in the deposit (or deposit) subscription application information, the customer information (customer personal information, member information, etc.) is the deposit (or deposit) It is preferably made to include matching with the customer ledger stored in the ledger D / B 115 on the financial system associated with the account opening system.

In addition, the validity of the deposit (or savings) subscription application information is calculated from the account attribute information (contract period information, payment amount information, interest rate (or interest rate) information, etc.) and calculates the interest amount of the corresponding deposit (or savings) product; And compares the interest amount with the price of the product selected by the customer, confirms the possibility of payment, and if the price of the product is greater than the interest amount, the server requests to change the product selected by the customer, or matches the product price information selected by the customer. It is preferable to include at least one requesting to extend the contract period of the deposit (or savings) product to be the interest amount, or to raise the contract amount without changing the contract period.

Referring to FIG. 2, the deposit (or savings) account opening server 105 receives the image content transmitted from the terminal device 280 through the image receiving unit 215, and the validity confirming unit 220. When the validity of the deposit (or deposit) subscription application information is authenticated through the electronic document generation unit (or electronic document generating means) for generating a predetermined deposit (or deposit) account electronic document including the received image content 225, and an electronic document transmission unit (or electronic document transmission means) 230 for transmitting the generated deposit (or savings) account electronic document to an electronic document repository associated with the deposit (or savings) account opening system. It is characterized by comprising.

The electronic document generating unit 225 generates a deposit (or savings) account electronic document including the image content received from the terminal device 280 through the image receiving unit 215.

According to an exemplary embodiment of the present invention, the electronic document generator 225 may predefine the real product by using an image file including the image content received from the terminal device 280 through the image receiver 215. It is preferable to process the deposit (or savings) account electronic document for the deposit (or savings) subscription provided.

Alternatively, the electronic document generating unit 225 receives deposit (or deposit) subscription information received through the information receiving unit 210 on the image content received from the terminal device 280 through the image receiving unit 215. Providing the real product as an advance file, an image file corresponding to the image contents including at least one of customer information, account attribute information, real product prepaid interest payment information, and physical product selection information included in the watermarking method It is desirable to create a deposit (or savings) account electronic document for the deposit (or savings) subscription.

According to another exemplary embodiment of the present invention, the electronic document generator 225 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 280 through the image receiver 215. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a deposit (or savings) account electronic document for signing up for deposits (or savings).

Alternatively, the electronic document generating unit 225 receives deposit (or deposit) subscription information received through the information receiving unit 210 on the image content received from the terminal device 280 through the image receiving unit 215. Generates image content including at least one or more of the customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the watermarking method, and includes the generated image content Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a deposit (or savings) account electronic document for the deposit (or savings) subscription to provide the physical commodity as a preceding interest. .

According to another exemplary embodiment of the present invention, the electronic document generator 225 receives the image content and the information receiver 210 received from the terminal device 280 through the image receiver 215. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT), it is preferable to generate a deposit (or savings) account electronic document for the deposit (or savings) subscription that provides the real goods as a preemptive.

Alternatively, the electronic document generating unit 225 receives deposit (or deposit) subscription information received through the information receiving unit 210 on the image content received from the terminal device 280 through the image receiving unit 215. Generating image content including at least one of customer information, account attribute information, real product prepaid payment information, and physical product selection information included in a watermarking method, and generating the generated image content and the deposit ( Or saving) a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the subscription application information, or MHT Depositing (or savings) account for subscription to deposits (or savings), which provides the real goods as a preemptive entity It is desirable to create an electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 225 is a technical feature of generating a deposit (or savings) account electronic document of the image file format or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file or document file corresponding to the deposit (or savings) account electronic document, and the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 230 transmits the deposit (or savings) account electronic document generated by the electronic document generating unit 225 to a predetermined electronic document repository associated with the deposit (or savings) account opening system. Characterized in that for storing.

As shown in FIG. 2, the electronic document repository is connected to a deposit (or savings) account opening server 105 on the deposit (or savings) account opening system 105 through a predetermined communication means. And the electronic document D / B 265, the electronic document transmission unit 230 is the deposit (or savings) account electronic document generated by the electronic document account attribute information 225 It is characterized in that for transmitting to the electronic document server 100 through the communication means.

Here, when the electronic document server 100 and the electronic document D / B 265 is provided outside the deposit (or savings) account opening system, the electronic document server 100 and the electronic document D / B (265) is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the deposit (or savings) account opening system, the electronic document transmitting unit 230 is connected to the electronic document generating unit 225. It is possible to store the deposit (or savings) account electronic document generated by the electronic document D / B 265 corresponding to the electronic document storage on the DBMS provided in the deposit (or savings) account opening system. The present invention is not limited.

According to the embodiment of the present invention, the electronic document transmission unit 230 is associated with the deposit (or savings) account electronic document for generating a predetermined deposit (or savings) account electronic document management information in the electronic document server 100 Customer information for which a deposit (or savings) account application corresponding to the image content is made, or financial institution information transmitting the deposit (or savings) account electronic document, or deposit (or savings) account electronic document file format Information, or the deposit (or savings) subscription application information, etc.) can be transmitted to the electronic document storage, thereby the present invention is not limited.

Referring to Figure 2, the deposit (or savings) account opening server 105 is the deposit (or savings) subscription application information received through the information receiving unit 210 through the validity confirmation unit 220 through the physical goods If the validity for the deposit (or savings) subscription provided as a predecessor is authenticated, the customer information, the account attribute information, the real product prepaid payment information, and the physical product included in the validity of the deposit (or savings) subscription application information An information generating unit (or information generating means) 235 for generating the deposit (or savings) account information based on the selection information, and the deposit (or savings) of the customer's name including the deposit (or savings) account information. It is characterized by comprising an account establishing unit (or account opening means) 240 for opening and processing the account.

When the validity of the deposit (or savings) subscription application information is confirmed by the validity confirming unit 220, the information generator 235 includes the customer information and the account attribute included in the deposit (or savings) subscription application information. And generating the deposit (or savings) account information based on the information, the real goods pre-payment information and the real goods selection information.

Here, the deposit (or savings) account information includes an account number corresponding to the deposit (or savings) account opened based on the deposit (or savings) subscription application information, account holder information and interest rate (or interest rate) information Preferably, the deposit (or savings) account further includes a predetermined subscription period, payment date and time, and payment amount information.

The account establishment unit 240 generates a customer ledger including customer information included in the application for opening a deposit (or savings) account in connection with the financial system (or matches a customer ledger provided with the customer information. Confirming), generating predetermined account ledger information including the deposit (or savings) account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the deposit (or savings). In response to the subscription application information, a predetermined deposit (or savings) account for the deposit (or savings) subscription for providing the real product as a predecessor is opened.

According to an embodiment of the present invention, when the deposit (or savings) account opening server 105 and the financial system exist in the same system, the account opening unit 240 is linked with the financial system ledger D / B It is preferable to create a predetermined ledger in 115 that includes deposit (or savings) account information.

According to another exemplary embodiment of the present invention, when the deposit (or savings) account opening server 105 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 240 is predetermined. It is preferable to request the ledger D / B 115 on the other financial system to generate a predetermined account ledger including the deposit (or savings) account information through an external system on the financial system through a communication means of.

Referring to Figure 2, the deposit (or savings) account opening server 105 is the deposit (or savings) subscription application information received through the information receiving unit 210 through the validity confirmation unit 220 through the physical goods If the validity for the deposit (or savings) subscription provided by the beneficiary is verified, the customer information and the account information corresponding to the deposit (or savings) account opened through the validated deposit (or savings) subscription application information; And an information storage unit (or information storage means) 245 for storing the storage information including at least one or more account attribute information and payment product information in a predetermined storage medium 275.

When the validity of the deposit (or savings) subscription application information is confirmed by the validity confirming unit 220, the information storage unit 245 is a deposit (or savings) opened through the deposit (or savings) subscription application information. Store information including at least one of customer information, account information, account attribute information, and payment product information corresponding to an account in the storage medium 275.

According to an embodiment of the present invention, the storage medium 275 is provided in the deposit (or savings) account opening server 105 or on the network associated with the deposit (or savings) account opening server 105. If the information is stored, the information storage unit 245 at least stores the customer information, account information, account attribute information and payment product information corresponding to the deposit (or savings) account opened through the received deposit (or savings) subscription information; It is preferable to store the storage information including one or more in the storage medium (275).

According to another exemplary embodiment of the present invention, when the storage medium 275 is provided in a DBMS provided on a financial system, the information storage unit 245 opens through the received deposit (or savings) subscription application information. The storage information including at least one of customer information, account information, account attribute information and payment product information corresponding to the deposit (or savings) account being provided to the information system through the external system on the financial system is provided on the financial system. It is desirable to store in a DBMS.

Referring to FIG. 2, a predetermined deposit (or savings) account electronic document is received from the deposit (or savings) account opening server 105 provided on the deposit (or savings) account opening system, and a predetermined electronic document D is provided. The electronic document server 100 stored and managed in the / B 265 receives a predetermined deposit (or savings) account electronic document from the deposit (or savings) account opening server 105 through a predetermined communication means. A deposit (or deposit) account electronic document receiving unit (or electronic document receiving means) 250 and a predetermined deposit (or deposit) account electronic document stored in the electronic document D / B (265) for management An information generation unit (or information generating means) 255 for generating deposit (or savings) account electronic document management information, and the deposit (or savings) account electronic document management information and the deposit (or savings) account electronic document; To the predetermined electronic document D / B 265. An electronic document storage unit (or electronic document storage means) 260 is provided.

The deposit (or savings) account electronic document receiving unit 250 receives the deposit (or savings) account electronic document in the form of an image file or a document file from the deposit (or savings) account opening server 105 through the communication means. It is characterized by.

According to the exemplary embodiment of the present invention, the deposit (or savings) account electronic document received by the deposit (or savings) account electronic document receiving unit 250 through the communication means is the deposit (or savings) account opening server 105 ) Preferably includes an image file including the image content received from the terminal device 280 as it is.

Alternatively, the deposit (or savings) account electronic document that the deposit (or savings) account electronic document receiving unit 250 receives through the communication means, the deposit (or savings) account opening server 105 is the terminal device 280 At least one or more of customer information included in the deposit (or deposit) subscription application information, account attribute information, real product advance interest payment information, and real product selection information in the image content received from It is preferable to include an image file corresponding to the image content to include.

According to another embodiment of the present invention, the deposit (or savings) account electronic document that the deposit (or savings) account electronic document receiving unit 250 receives through the communication means is the deposit (or savings) account opening server ( At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the terminal device 280 by 105. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the deposit (or savings) account electronic document that the deposit (or savings) account electronic document receiving unit 250 receives through the communication means, the deposit (or savings) account opening server 105 is the terminal device 280 (B) watermarking method including at least one of customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the deposit (or savings) subscription application information in the image content received from A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT. Web document files).

According to another embodiment of the present invention, the deposit (or savings) account electronic document that the deposit (or savings) account electronic document receiving unit 250 receives through the communication means is the deposit (or savings) account opening server A predetermined document file (for example, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing the image content received from the terminal device 280 and the deposit (or savings) subscription request information by the 105 device. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the deposit (or savings) account electronic document that the deposit (or savings) account electronic document receiving unit 250 receives through the communication means is the deposit (or savings) account opening server 105 is the terminal device ( At least one of customer information included in the deposit (or savings) subscription application information, account attribute information, real product advance interest payment information, and real product selection information in the image content received from 280 is watermarked. At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content and the deposit (or savings) subscription information included therein. Preferably includes a word processor file or a web document file including an MHT.

The information generating unit 255 is a predetermined deposit (or savings) account electronic document unique number (or to be assigned to the deposit (or savings) account electronic document received through the deposit (or savings) account electronic document receiving unit 250 (or Unique information) and the date and time when the deposit (or deposit) account electronic document was received through the deposit (or deposit) account electronic document receiving unit 250 (or the date when the deposit (or deposit) account electronic document was stored. And depositing (or savings) account electronic document management information including the deposit (or savings) account electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the information generating unit 255 transmits the deposit (or savings) account electronic document received through the deposit (or savings) account electronic document receiving unit 250 (or savings). Check the financial institution that sent the deposit (or savings) account electronic document with reference to the account opening server 105, and the deposit (or savings) account electronic document management information further including the confirmed financial institution information. It is desirable to produce.

According to another exemplary embodiment of the present invention, the deposit (or savings) account electronic document-related information from the deposit (or savings) account opening server 105 through the deposit (or savings) account electronic document receiving unit 250. If more is received, the information generation unit 255 is the information related to the received deposit (or savings) account electronic document (for example, customer information for creating a deposit (or savings) account application corresponding to the image content, or the Financial institution information for sending deposit (or savings) account electronic documents, or deposit (or savings) account electronic document file format information, or the deposit (or savings) subscription application information, etc.) It is desirable to generate electronic document management information.

The electronic document storage unit 260 is a deposit (or savings) account electronic document received through the deposit (or savings) account electronic document receiving unit 250 and the deposit (or savings) generated through the information generation unit 255 The electronic document management information is stored in a predetermined electronic document D / B 265.

According to the exemplary embodiment of the present invention, the deposit (or savings) account stored in the electronic document storage unit 260 in the electronic document D / B 265, the deposit (or savings) account opening server 105 ) Preferably includes an image file including the image content received from the terminal device 280 as it is.

Alternatively, the deposit (or deposit) account opening server 105 stored in the electronic document D / B 265 by the electronic document storage unit 260 is stored in the electronic document D / B 265. At least one or more of customer information included in the deposit (or deposit) subscription application information, account attribute information, real product advance interest payment information, and real product selection information in the image content received from It is preferable to include an image file corresponding to the image content to include.

According to another exemplary embodiment of the present invention, the deposit (or savings) account stored in the electronic document storage unit 260 in the electronic document D / B 265, the deposit (or savings) account opening server ( At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the terminal device 280 by 105. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the deposit (or deposit) account opening server 105 stored in the electronic document D / B 265 by the electronic document storage unit 260 is stored in the electronic document D / B 265. (B) watermarking method including at least one of customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the deposit (or savings) subscription application information in the image content received from A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT. Web document files).

According to another exemplary embodiment of the present invention, the deposit (or savings) account stored in the electronic document storage unit 260 in the electronic document D / B 265, the deposit (or savings) account opening server A predetermined document file (for example, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing the image content received from the terminal device 280 and the deposit (or savings) subscription request information by the 105 device. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the deposit (or deposit) account opening server 105 stored in the electronic document D / B 265 by the electronic document storage unit 260 is stored in the electronic document D / B 265. The watermarking method of at least one of customer information, account attribute information, real product advance interest payment information, and real product selection information included in the deposit (or deposit) subscription application information in the image content received from At least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content and the deposit (or savings) subscription information included therein. Preferably includes a word processor file or a web document file including an MHT.

According to the embodiment of the present invention, the deposit (or deposit) account electronic document stored in the electronic document D / B (265) by the electronic document storage unit 260 is processed in conjunction with the deposit (or deposit) account electronic document The management information includes a predetermined deposit (or savings) account electronic document unique number (or unique information) assigned to the deposit (or savings) account electronic document and the deposit (or savings) account electronic document storage date and time information. It is preferable.

According to an embodiment of the present invention, the deposit (or savings) account electronics stored in the electronic document D / B (265) by the electronic document storage unit 260 in conjunction with the deposit (or savings) account electronic document The document management information includes financial institution information that transmits the deposit (or savings) account electronic document confirmed with reference to the deposit (or savings) account opening server 105 that transmitted the deposit (or savings) account electronic document. It is preferable to further comprise.

According to another exemplary embodiment of the present invention, when a predetermined deposit (or savings) account electronic document related information is further received from the deposit (or savings) account opening server 105, the electronic document storage unit 260 The deposit (or savings) account electronic document management information stored in the electronic document D / B 265 in association with the deposit (or savings) account electronic document is stored in the received deposit (or savings) account electronic document related information. (E.g., customer information for which a deposit (or savings) account application corresponding to the image content is prepared, or financial institution information for transmitting the deposit (or savings) account electronic document, or deposit (or savings) account electronic document file format information Or the deposit (or savings) subscription application information).

In more detail, FIG. 3 illustrates the case where the storage medium 275 shown in FIG. 2 is the ledger D / B 115 provided in the DBMS on the financial system, or the ledger D / B 115 is provided. As an information structure for an implementation method of storing information including at least one of the customer information, account information, account attribute information, and payment product information is stored in the ledger information provided in the ledger D / B 115, Those skilled in the art to which the present invention belongs, at least one of the customer information, account information, account attribute information and payment product information in the ledger D / B 115 by referring to or modifying the drawing 3 It will be possible to infer various information construction methods for storing the stored information to be included, but the present invention includes all the implementation methods inferred, 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 115 provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger, It is shown that the account ledger corresponding to the deposit (or savings) account opened through the illustrated deposit (or savings) account opening system and at least one or more information associated with the account ledger. If the person having ordinary knowledge in the general ledger D / B 115 provided in the DBMS on the financial system, at least one ledger (for example, the reception ledger, loan ledger, It will be clearly understood that it further includes at least one additional information for maintaining and managing the ledger, etc.) Since you will be familiar with the technical matters, a detailed description thereof will be omitted.

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

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

In addition, the account ledger is relationally associated with the customer ledger, and as a ledger corresponding to the deposit (or savings) account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. At least one of a plurality of pieces of periodic reception information including at least one of a period, a number of days, a period extension, an expiration date, and a target amount, or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information including one or more, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 3, the storage medium 275 is the ledger D / B 115, or includes an implementation method provided in the ledger D / B 115 according to an embodiment of the present invention. Customer information, account information, account attribute information and payment product information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information provided through the deposit (or savings) account opening system shown in FIG. Store information including at least one of the stored in the form of additional information added to the account ledger.

According to an embodiment of the present invention, the stored information includes customer information for opening the deposit (or savings) account through the deposit (or savings) subscription application information, account information corresponding to the deposit (or savings) account, and Payment product information corresponding to the product paid to the customer by matching the account attribute information with the interest amount calculated in correspondence with the payment amount information, the contract period information, and the interest rate (or interest rate) information for the deposit (or savings) account; It is preferable to include at least one, and in this figure 3, the customer information is included in the customer ledger, and the account information will be omitted in the account because it will be included in the account ledger.

According to another embodiment of the present invention, the deposit (or savings) subscription application information is stored in the form of information included in the account ledger (not shown), or other ledgers other than the account ledger (eg, customer ledger). In addition to the form of additional information added to, or in the form of a separate independent ledger in addition to the account ledger, it is possible to both, and the present invention is not limited thereby.

4 shows a database in which a storage medium storing storage information corresponding to a deposit (or savings) account opened in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

In more detail, FIG. 4 is an information structure for an embodiment in which the storage medium 275 shown in FIG. 2 includes a predetermined database linked to the ledger D / B 115 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 4, and store the customer information, customer information, account information, account attribute information, and payment products in a predetermined database. Although it is possible to infer various information configuration methods for storing the information stored in the ledger D / B 115 by at least one stored information including at least one information, the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG.

In particular, Figure 4 stores at least one of the customer information, customer information and account information, account attribute information and payment product information in the ledger information of the ledger D / B 115 on the DBMS provided on the financial system If it is not easy to store information (e.g., it is not easy to change the ledger D / B 115 of the DBMS due to the policy of the financial institution, or the system expansion is not easy due to the characteristics of the financial system) Store information including at least one of the customer information, the customer information, the account information, the account attribute information, and the payment product information in a predetermined database instead of the D / B 115; 115 illustrates an implementation method of linking and storing the data.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 4, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 4, the storage medium 275 includes a database associated with the ledger D / B 115 provided in a DBMS on a financial system. Or storing information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the subscription application information. Preferably, the storage information further includes a CIF number corresponding to the ledger information in order to be linked to the D / B 115.

5 is a diagram illustrating an implementation method including a DBMS provided with a banking server in which a storage medium for storing storage information corresponding to a deposit (or savings) account opened in a face-to-face manner according to another embodiment of the present invention; to be.

In more detail, FIG. 5 shows a DBMS in which the storage medium 275 shown in FIG. 2 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, customer information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5 And it can be inferred the information configuration method for the storage information including at least one or more account information, account attribute information and payment product information, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implemented method.

According to another exemplary embodiment of the present invention, referring to FIG. 5 in which the storage medium 275 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server may be stored in the deposit (or deposit). And storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the subscription application information.

6A, 6B, and 6C are diagrams illustrating a process of opening a deposit (or savings) account for deposit (or savings) subscription in which real goods are provided as preemptive in a face-to-face manner according to one embodiment of the present invention.

6a, 6b, and 6c show the terminal terminal 280 on the deposit (or savings) account opening system shown in FIG. 2 at a financial institution branch (or branch). (Or savings) When the account opening server 105 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network, a predetermined customer provides a real product as an early beneficiary. To open a deposit (or savings) account for signing up for a deposit (or savings), complete a deposit (or savings) account application that includes at least one of customer information, account attribute information, physical commodity interest payment information, and physical commodity selection information. And a filing system for opening a deposit (or savings) account in a face-to-face manner based on the deposit (or savings) account application. Specifically, when the customer prepares the deposit (or savings) account application and submits it to the counter, the window terminal receives the predetermined image content corresponding to the deposit (or savings) account application through a predetermined image acquisition device. After obtaining and transferring to the deposit (or savings) account opening server 105, input (or select) the deposit (or savings) subscription application information corresponding to the deposit (or savings) account application, the deposit (or savings) When the transfer to the account opening server 105, the deposit (or savings) account opening server 105 includes at least one of the customer information, account attribute information, real product pre-interest payment information and real product selection information (Or savings) It shows the implementation method of opening and processing the deposit (or savings) account based on the application information.

Those skilled in the art to which the present invention pertains may refer to or modify the figures 6a, 6b, and 6c to the deposit (or deposit) account opening server 105 at the teller terminal. It is possible to infer various implementation methods for registering subscription application information, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 6A, 6B, and 6C.

For example, the implementation method illustrated in FIGS. 6A, 6B, and 6C includes generating a predetermined deposit (or savings) account electronic document corresponding to the deposit (or savings) account application and storing it in an electronic document repository. Although illustrated, the process may be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 6A, 6B, and 6C including the electronic document generation and storage process, the counter terminal corresponds to the deposit (or deposit) account application through a predetermined image acquisition device. From the deposit (or deposit) account opening server 105 to obtain an image content of the deposit (or deposit) account and to input (or select) the deposit (or deposit) subscription application information corresponding to the deposit (or deposit) account application. Although illustrated as being provided, when the information terminal is provided with a predetermined information registration program, the user interface may not be provided from the deposit (or savings) account opening server 105, whereby the present invention It is not limited.

In the following Figures 6a, 6b and 6c, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the deposit (or savings) account opening server 105 shown in Figure 2 is referred to as "server" for convenience. "

6A, 6B, and 6C, customer information, account attribute information, real product prepaid interest payment information, and physical product selection information are used to register a deposit (or deposit) in which a predetermined customer provides a real product as a predecessor. When a deposit (or savings) account application including at least one is prepared and submitted, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel to the deposit ( Or a deposit) requesting a user interface for joining a deposit (or deposit) for providing a real product corresponding to an account application (600), in response, the server requests the client through a predetermined image acquisition device in the terminal. User interface for acquiring predetermined image content corresponding to the created deposit (or savings) account application and transmitting it to the server Generate (or extract), and 604, and outputs through the financial network transmitting user interface the generated (or extracted) to the mobile station 608. The

Thereafter, the terminal acquires image content corresponding to the deposit (or savings) account application through a predetermined image obtaining apparatus based on the user interface (612).

If image content corresponding to the deposit (or savings) account application is obtained through the image acquisition device (616), the terminal transmits the obtained image content to the server through the financial network (620).

Subsequently, the server subscribes to a deposit (or savings) including at least one of customer information, account attribute information, real product advance interest payment information, and real product selection information corresponding to the deposit (or savings) account application matching the image content. Input (or select) application information to generate (or extract) a user interface for transmission to the server (624), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs it. (628).

Thereafter, the terminal inputs (or selects) the deposit (or savings) subscription request information including at least one of the customer information, the account attribute information, the real product prepayment payment information, and the real product selection information through the user interface ( 632).

If deposit (or savings) subscription application information including at least one of the customer information, account attribute information, real goods prepaid payment information, and real goods selection information is input (or selected) through the user interface (636), The terminal transmits the input (or selected) deposit (or savings) subscription application information to the server through the financial network (640).

Thereafter, the server receives and reads the deposit (or savings) subscription request information including at least one of the customer information, the account attribute information, the real product advance interest payment information, and the real product selection information through the financial network. Or savings) check the validity of the subscription application information (644).

According to an embodiment of the present invention, the validity of the deposit (or savings) subscription application information is determined by the deposit (or savings) in the ledger D / B 115 on the financial system linked to the deposit (or savings) account opening system. It is preferable to include whether the at least one ledger information matching the subscription application information is registered.

If the validity of the deposit (or savings) subscription application information is not authenticated (648), the server generates a predetermined deposit (or savings) account error information and transmits it to the terminal (652), and the deposit (or We do not carry out the process of opening a deposit (or savings) account corresponding to the application information.

On the other hand, if the validity of the deposit (or deposit) subscription application information is authenticated (648), the server generates a predetermined deposit (or deposit) account electronic document containing the image content (656).

According to an embodiment of the present invention, the server deposits (or provides the real goods as a prepaid item) an image file including the image content received from the terminal device 280 through the image receiving unit 215. Savings) It is preferable to process the deposit (or savings) account electronic documents for subscription.

Alternatively, the server may include customer information included in the deposit (or deposit) subscription request information received through the information receiver 210 in the image content received from the terminal device 280 through the image receiver 215, Deposit (or savings) for providing the physical goods as an image file corresponding to the image contents including at least one of account attribute information, real goods prepaid interest information, and physical goods selection information by watermarking It is desirable to create a deposit (or savings) account electronic document for subscription.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 280 through the image receiving unit 215. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing (or providing) the physical commodity as a prepayer (or Savings) It is desirable to create a deposit (or savings) account electronic document for subscription.

Alternatively, the server may include customer information included in the deposit (or deposit) subscription request information received through the information receiver 210 in the image content received from the terminal device 280 through the image receiver 215, A predetermined document file (eg, generating image content including watermarking method) including at least one or more of account attribute information, real product prepaid interest payment information, and physical product selection information, and including the generated image content The physical product by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a deposit (or deposit) account electronic document for the deposit (or deposit) subscription provided by the predecessor.

According to another exemplary embodiment of the present invention, the server stores the image content received from the terminal device 280 through the image receiver 215 and the deposit (or deposit) received through the information receiver 210. A predetermined document file including subscription information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or an MHT. By generating a web document file, etc.), it is preferable to generate a deposit (or savings) account electronic document for joining a deposit (or savings) that provides the physical product as a preemptive.

Alternatively, the server may include customer information included in the deposit (or deposit) subscription request information received through the information receiver 210 in the image content received from the terminal device 280 through the image receiver 215, Generate image content including at least one or more of account attribute information, real product advance interest payment information, and physical product selection information by a watermarking method, and the generated image content and the deposit (or deposit) subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) to generate a deposit (or deposit) account electronic document for subscription to the deposit (or deposit) that provides the physical commodity as a beneficiary. It is preferable to.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic document of the deposit (or savings) account in the image file format or a predetermined document file format, and the deposit (or savings) account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated deposit (or savings) account electronic document in a predetermined electronic document storage (660).

As shown in FIG. 2, the electronic document repository is connected to a server on the deposit (or savings) account opening system with a predetermined electronic document server 100 and an electronic document D / B 265 through predetermined communication means. When included in the outside, the server transmits the generated deposit (or savings) account electronic document to the electronic document server 100 through the communication means to the electronic document D / B (265) It is desirable to store.

Alternatively, when the electronic document storage is provided on a DBMS provided in the deposit (or savings) account opening system, the server opens the deposit (or savings) account electronic document in the deposit (or savings) account. It is possible to store in the electronic document D / B 265 corresponding to the electronic document storage on the DBMS provided in the system, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the deposit (or savings) account electronic document in the electronic document storage includes managing the generated deposit (or savings) account electronic document and a predetermined deposit (or savings) account electronic document. It is preferable that the information is stored in the electronic document D / B 265 shown in FIG.

Here, the deposit (or savings) account electronic document management information, a predetermined deposit (or savings) account electronic document unique number (or unique information) assigned to the deposit (or savings) account electronic document and the deposit (or savings) It is preferable to include the date and time of the electronic document storage.

In addition, the deposit (or savings) account electronic document management information preferably further comprises the financial institution information that sent the deposit (or savings) account electronic documents.

The deposit (or savings) account electronic document management information may include predetermined deposit (or savings) account electronic document-related information (for example, customer information for creating a deposit (or savings) account application corresponding to the image content, or the deposit. (Or savings) the financial institution information for transmitting the electronic document, or deposit (or savings) account electronic document file format information, or the deposit (or savings) subscription application information, etc.).

If the deposit (or savings) account electronic document is stored in the electronic document storage (664), the server includes the customer information, account attribute information and real goods advance interest payment information included in the deposit (or savings) subscription application information; The deposit (or savings) account information is generated based on real product selection information (668).

Thereafter, the server is connected to the financial system based on the customer information, account attribute information, real product prepayment payment information, and real product selection information included in the deposit (or savings) subscription application information. A deposit (or savings) account in the customer's name including account information is opened (672).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the application for opening a deposit (or savings) account in connection with the financial system (or is matched with the customer information and is provided with Confirming the customer ledger), generating predetermined account ledger information including the deposit (or savings) account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, Or deposit) a predetermined deposit (or savings) account for deposit (or savings) subscription that provides the real product as a predecessor in response to the subscription application information.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes the deposit (or savings) account information in the ledger D / B 115 in association with the financial system. It is desirable to create a predetermined ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is desirable to request the ledger D / B 115 on the financial system to create a predetermined ledger containing the deposit (or savings) account information.

Subsequently, the server may include at least one of the customer information, the account attribute information, the real product advance interest payment information, and the real product selection information included in the deposit (or savings) subscription application information and the real product advance interest payment information. In operation 676, the physical product selection information is generated and stored in a predetermined storage medium 275.

According to an embodiment of the present invention, when the storage medium 275 is provided in the server or on a network associated with the server, the server is included in the received deposit (or savings) subscription information. Preferably, the storage medium 275 stores account attribute information, real product advance interest payment information, real product advance interest payment information, and physical product selection information including at least one of the customer information, account attribute information, real product advance interest payment information, and physical product selection information. Do.

According to another exemplary embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system, the server includes the customer information and account included in the received deposit (or deposit) subscription application information. Account attribute information including at least one property information, real goods prepaid interest payment information, real goods selection information, real goods prepaid interest payment information, and real goods selection information are provided to the information system through the external system of the financial system. It is preferable to store in the provided DBMS.

Thereafter, the server records a predetermined deposit (or savings) account opening history information (for example, the deposit (or savings) account opening history, or a history of storing the deposit (or savings) account electronic document in the electronic document repository, Alternatively, the storage medium 275 generates (or extracts) the details of storing the deposit (or savings) subscription application information and transmits the generated (or extracted) data to the terminal (680).

Thereafter, a predetermined sender (shipper) sends the real goods selected by the customer, and sends the customer receipt confirmation information from the sender (shipper) terminal to the server to confirm whether the actual goods are received. (683)

Thereafter, the server receives customer receipt confirmation information from the terminal.

According to an embodiment of the present invention, a method for confirming customer receipt confirmation information from the customer through the communication means in the server is a method using a predetermined wired / wireless terminal (phone, e-mail, mobile phone, SMS service, etc.). And a variety of methods can be inferred, such as a direct visit (courier service, quick service, etc.), and the present invention includes all the inferred implementation methods.

Thereafter, the server confirms customer receipt confirmation information received from the communication means.

If the server confirms receipt of the customer (692), the server generates predetermined payment date and time information based on the customer receipt confirmation information.

Thereafter, the server stores the customer receipt confirmation information and the payment date and time information in the storage information of the storage medium 275.

7A, 7B, and 7C are diagrams illustrating a process of opening a deposit (or savings) account for deposit (or savings) subscription, which provides a real product as a predecessor in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 7a and 7a are window terminals provided with a terminal device 280 on the deposit (or savings) account opening system shown in Figure 2 at a financial institution branch (or branch), and the deposits (or savings) In the case where the account opening server 105 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network, a deposit (or a predetermined customer provides an actual product as a prepaid interest) Saving and depositing a deposit (or savings) account application that includes at least one of customer information, account attribute information, pre-payment information and physical product selection information, in order to open a deposit (or savings) account for membership. The present invention relates to a system configuration for opening a deposit (or savings) account in a face-to-face manner based on the deposit (or savings) account application at the financial institution. When the customer fills out the deposit (or savings) account application and submits it to the counter, input (or select) the deposit (or savings) subscription application information corresponding to the deposit (or savings) account application at the teller terminal. After transmitting to the deposit (or savings) account opening server 105, and acquires a predetermined image content corresponding to the deposit (or savings) account application through a predetermined image acquisition device to obtain the deposit (or savings) account When the transfer to the establishment server 105, the deposit (or savings) account opening server 105 includes at least one or more of the customer information, account attribute information, real goods prepayment payment information and real goods selection information (or Savings) shows an implementation method of opening and processing the deposit (or savings) account based on the application information.

Those skilled in the art to which the present invention pertains may refer to or modify the drawings 7a, 7b, and 7c to the deposit (or deposit) account opening server 105 at the teller terminal. It is possible to infer various implementation methods for registering the subscription application information, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 7A, 7B, and 7C.

For example, the method shown in FIGS. 7A, 7B, and 7C includes generating a predetermined deposit (or savings) account electronic document corresponding to the deposit (or savings) account application and storing the electronic document in an electronic document repository. Although illustrated, the process may be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

In addition, in the method shown in FIGS. 7A, 7B, and 7C including the electronic document generation and storage process, the counter terminal corresponds to the deposit (or deposit) account application through a predetermined image acquisition device. From the deposit (or deposit) account opening server 105 to obtain an image content of the deposit (or deposit) account and to input (or select) the deposit (or deposit) subscription application information corresponding to the deposit (or deposit) account application. Although illustrated as being provided, when the information terminal is provided with a predetermined information registration program, the user interface may not be provided from the deposit (or savings) account opening server 105, thereby the present invention This is not limited.

7A, 7B, and 7C, the window terminal shown in FIG. 2 is referred to as " terminal " for convenience, and the deposit (or savings) account opening server 105 shown in FIG. 2 is referred to as " server " ", And the customer information, the account attribute information and the actual product pre-interest payment information and the actual product selection information transmitted from the teller terminal to the deposit (or savings) account opening server 105 for convenience" subscription (or savings) subscription " Application Information ".

Referring to FIGS. 7A, 7B and 7C, at least customer information, account attribute information, real goods prepayment payment information, and real goods selection information may be used for a predetermined customer to subscribe to a deposit (or deposit) that provides a real product as a predecessor. When a deposit (or deposit) account application including one or more is prepared and submitted, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects the predetermined communication channel to the deposit (or When requesting a user interface for joining a deposit (or savings) that provides a real product corresponding to the deposit application (700), the server responds to the deposit (or savings) account application prepared by the customer. Deposits (or deposits) that include at least one customer information, account attribute information, real goods prepaid interest payment information, and physical goods selection information Input (or select) application information to generate (or extract) a user interface for transmission to the server (704), and transmit and output the generated (or extracted) user interface through the financial network to the terminal. (708).

Thereafter, the terminal inputs (or selects) the deposit (or savings) subscription request information including at least one of the customer information, the account attribute information, the real product prepayment payment information, and the real product selection information through the user interface ( 712).

If deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real goods prepaid payment information and real goods selection information is input (or selected) through the user interface (716), the The terminal transmits the input (or selected) deposit (or savings) subscription application information to the server through the financial network (720).

Thereafter, the server receives and reads the deposit (or savings) subscription request information including at least one of the customer information, the account attribute information, the real product advance interest payment information, and the real product selection information through the financial network. Or deposit) check the validity of the application information (724).

If the validity of the deposit (or savings) subscription application information is not authenticated (728), the server generates a predetermined deposit (or savings) account error information and transmits it to the terminal (732), and the deposit (or We do not carry out the process of opening a deposit (or savings) account corresponding to the application information.

On the other hand, if the validity of the deposit (or deposit) subscription application information is authenticated (728), the server is a predetermined image corresponding to the deposit (or deposit) account application prepared by the customer through a predetermined image acquisition device in the terminal A user interface for acquiring and transmitting content to the server is generated (or extracted) (736), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (740).

Thereafter, the terminal acquires image content corresponding to the deposit (or savings) account application through a predetermined image obtaining apparatus based on the user interface (744).

If image content corresponding to the deposit (or savings) account application is obtained through the image acquisition device (748), the terminal transmits the obtained image content to the server through the financial network (752).

The server receiving the deposit (or deposit) subscription request information and the image content from the terminal generates a predetermined deposit (or deposit) account electronic document including the image content (756).

Alternatively, the server may include customer information included in the deposit (or deposit) subscription request information received through the information receiver 210 in the image content received from the terminal device 280 through the image receiver 215, Deposit (or savings) for providing the real goods as an image file corresponding to the image contents including at least one or more of account attribute information, real goods prepaid payment information, and real goods selection information by watermarking It is desirable to create a deposit (or deposit) account electronic document for subscription.

Alternatively, the server may include customer information included in the deposit (or deposit) subscription request information received through the information receiver 210 in the image content received from the terminal device 280 through the image receiver 215, A predetermined document file (eg, generating image content including watermarking method) including at least one or more of account attribute information, real product prepaid interest payment information, and physical product selection information, and including the generated image content The physical product by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a deposit (or savings) account electronic document for the deposit (or savings) subscription provided by the senior.

Thereafter, the server stores the generated deposit (or savings) account electronic document in a predetermined electronic document storage (760).

If the deposit (or savings) account electronic document is stored in the electronic document repository (764), the server includes the customer information, account attribute information and real goods advance interest payment information included in the deposit (or savings) subscription application information. And the deposit (or savings) account information is generated based on the actual product selection information (768).

Thereafter, the server is connected to the financial system based on the customer information, account attribute information, real product prepayment payment information, and real product selection information included in the deposit (or savings) subscription application information. A deposit (or savings) account in the customer's name including account information is opened (772).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the application for opening a deposit (or savings) account in connection with the financial system (or is matched with the customer information and is provided with Confirming the customer ledger), generating predetermined account ledger information including the deposit (or savings) account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, Or depositing a deposit (or savings) account for joining the deposit (or savings) that provides the real product as a predecessor in response to the deposit requesting application information.

Thereafter, the server generates stored information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information. The storage medium 275 and store it in a predetermined storage medium 275 (776).

According to an exemplary embodiment of the present invention, when the storage medium 275 is provided in the server or on a network associated with the server, the server opens through the received deposit (or savings) subscription application information. Preferably, the storage medium 275 stores storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to a deposit (or savings) account.

According to another embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system, the server deposits (or deposits) opened through the received deposit (or deposit) subscription application information. The storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to an account is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. desirable.

Thereafter, the server sets a predetermined deposit (or savings) account opening history information (for example, the deposit (or savings) account opening history, or a history of storing the deposit (or savings) account electronic document in the electronic document repository, or The storage medium 275 generates (or extracts) the details of storing the deposit (or savings) subscription application information and transmits the generated (or extracted) data to the terminal (780).

Thereafter, a predetermined sender (shipper) sends the real goods selected by the customer, and sends the customer receipt confirmation information from the sender (shipper) terminal to the server to confirm whether the actual goods are received. (783)

Thereafter, the server receives customer receipt confirmation information from a predetermined communication means.

If the server confirms the customer receipt (792), the server generates predetermined payment date and time information based on the customer receipt confirmation information.

Thereafter, the server stores the customer receipt confirmation information and the payment date information in the storage information of the storage medium 275.

8A, 8B, and 8C are diagrams illustrating a process of opening a deposit (or savings) account for deposit (or savings) subscription in which a physical product is provided as a senior in a face-to-face manner according to another exemplary embodiment of the present invention. .

In more detail, FIGS. 8A, 8B, and 8C are window terminals in which a terminal device 280 on the deposit (or savings) account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch). (Or savings) When the account opening server 105 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network, a predetermined customer provides a real product as an early beneficiary. To open a deposit (or savings) account for signing up for a deposit (or savings), complete a deposit (or savings) account application that includes at least one of customer information, account attribute information, physical commodity interest payment information, and physical commodity selection information. And a filing system for opening a deposit (or savings) account in a face-to-face manner based on the deposit (or savings) account application. Specifically, when the customer prepares the deposit (or savings) account application and submits it to the counter, the window terminal receives the predetermined image content corresponding to the deposit (or savings) account application through a predetermined image acquisition device. After acquiring (or selecting) the deposit (or savings) subscription application information corresponding to the deposit (or savings) account application, the image content and the deposit (or savings) subscription application information are stored (or savings). When the transfer to the account opening server 105, the deposit (or savings) account opening server 105 includes at least one of the customer information, account attribute information, real product pre-interest payment information and real product selection information (Or savings) It shows the implementation method of opening and processing the deposit (or savings) account based on the application information.

Those skilled in the art to which the present invention pertains may refer to or modify the drawings 8a, 8b, and 8c to the deposit (or deposit) account opening server 105 at the teller terminal. It is possible to infer various implementation methods for registering subscription application information, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 8A, 8B, and 8C. .

For example, the method shown in FIGS. 8A, 8B, and 8C includes generating a predetermined deposit (or savings) account electronic document corresponding to the deposit (or savings) account application and storing it in an electronic document repository. Although illustrated, the process may be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

In addition, in the method shown in FIGS. 8A, 8B, and 8C including the electronic document generation and storage process, the counter terminal corresponds to the deposit (or deposit) account application through a predetermined image acquisition device. From the deposit (or deposit) account opening server 105 to obtain an image content of the deposit (or deposit) account and to input (or select) the deposit (or deposit) subscription application information corresponding to the deposit (or deposit) account application. Although illustrated as being provided, when the information terminal is provided with a predetermined information registration program, the user interface may not be provided from the deposit (or savings) account opening server 105, whereby the present invention It is not limited.

In the following FIGS. 8A, 8B, and 8C, the window terminal shown in FIG. 2 is referred to as a " terminal " for convenience, and the deposit (or savings) account opening server 105 shown in FIG. Server ", and the customer information, account attribute information, real goods prepaid interest payment information, and real goods selection information transmitted from the teller terminal to the deposit (or savings) account opening server 105 are referred to as" deposit (or savings) ". Membership Application Information ".

Referring to FIGS. 8A, 8B and 8C, at least customer information, account attribute information, real goods prepayment payment information, and real goods selection information may be used to register a deposit (or deposit) in which a given customer provides a real product as a predecessor. When a deposit (or deposit) account application including one or more is prepared and submitted, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects the predetermined communication channel to the deposit (or If a user interface requesting for a deposit (or savings) subscription providing an actual product corresponding to an application for deposit is requested (800), the server correspondingly stores the deposit (or savings) account created by the customer in the terminal. Enter (or select) deposit (or deposit) subscription application information corresponding to the application, and deposit the deposit (or deposit) account through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to a blue book to the server (805), and transmit the generated (or extracted) user interface to the terminal through the financial network. Output 810.

Thereafter, the terminal inputs (or selects) deposit (or savings) subscription application information including at least one of the customer information, account attribute information, real product prepaid payment information, and real product selection information through the user interface. (815).

If deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real goods prepaid payment information, and real goods selection information is input (or selected) through the user interface (820), the The terminal acquires image content corresponding to the deposit (or savings) account application through a predetermined image acquisition device based on the user interface (825).

If image content corresponding to the deposit (or savings) account application is obtained through the image acquisition device (830), the terminal transmits the deposit (or savings) subscription application information and image content through the financial network to the server. 835.

Thereafter, the server receives and reads the deposit (or savings) subscription request information including at least one of the customer information, the account attribute information, the real product advance interest payment information, and the real product selection information through the financial network. Or saving)) check the validity of the subscription application information (840).

If the validity of the deposit (or savings) subscription application information is not authenticated (845), the server generates a predetermined deposit (or savings) account error information and transmits it to the terminal (850). Or savings) The deposit (or savings) account corresponding to the application information is not performed.

On the other hand, if the validity of the deposit (or deposit) subscription application information is authenticated (845), the server generates a predetermined deposit (or deposit) account electronic document containing the image content (855).

Thereafter, the server stores the generated deposit (or savings) account electronic document in a predetermined electronic document storage (860).

The deposit (or savings) account electronic document management information may include predetermined deposit (or savings) account electronic document-related information (for example, customer information for creating a deposit (or savings) account application corresponding to the image content, or the deposit. Financial institution information for transmitting the (or savings) account electronic document, or deposit (or savings) account electronic document file format information, or the deposit (or savings) subscription application information).

If the deposit (or savings) account electronic document is stored in the electronic document storage (865), the server includes the customer information, account attribute information and real goods prepaid payment information and the information contained in the deposit (or savings) subscription application information; The deposit (or savings) account information is generated based on real product selection information (870).

Thereafter, the server is connected to the financial system based on the customer information, account attribute information, real product prepayment payment information, and real product selection information included in the deposit (or savings) subscription application information. A deposit (or savings) account in the customer's name including account information is opened (875).

According to the implementation method of the present invention, the server generates a customer ledger including customer information included in the application information for deposit (or savings) account opening in connection with the financial system (or is matched with the customer information and is provided with the device). Confirming the customer ledger), generating predetermined account ledger information including the deposit (or savings) account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, (Or savings) in accordance with the subscription application information, characterized in that the opening of a predetermined deposit (or savings) account for the deposit (or savings) subscription for providing the real goods as a preemptive.

Thereafter, the server stores the storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information. It is generated and stored in a predetermined storage medium (275) (880)

According to an embodiment of the present invention, when the storage medium 275 is provided in the server or on a network associated with the server, the server opens through the received deposit (or savings) subscription application information. Preferably, the storage medium 275 stores storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to a deposit (or savings) account.

Thereafter, the server sets a predetermined deposit (or savings) account opening history information (for example, the deposit (or savings) account opening history, or a history of storing the deposit (or savings) account electronic document in the electronic document repository, or The storage medium 275 generates (or extracts) the details of storing the deposit (or savings) subscription application information and transmits the generated (or extracted) data to the terminal (885).

Thereafter, a predetermined sender (shipper) sends the real goods selected by the customer, and sends the customer receipt confirmation information from the sender (shipper) terminal to the server to confirm whether the actual goods are received. (887)

If the server confirms receipt of the customer (893), the server generates predetermined payment date and time information based on the customer receipt confirmation information.

FIG. 9 is a diagram illustrating a non-face-to-face deposit (or savings) account opening system for deposit (or savings) subscription that provides a physical product as a predecessor according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a deposit in which a predetermined customer includes at least one of predetermined customer information, account attribute information, real product prepaid interest payment information, and physical product selection information through a predetermined deposit (or savings) account opening interface. Or savings) subscription application information to the financial institution, the financial institution opens a deposit (or savings) account that provides the real product as a pre-payer based on the deposit (or savings) subscription information; The present invention relates to a system configuration for storing a predetermined storage medium 970 storing information including at least one of customer information, account information, account attribute information, and payment product information for managing an account. Those skilled in the art may refer to or modify this drawing to provide deposits for providing physical goods as advance interest. Savings) would be able to infer a variety of exemplary methods for the account opening system arrangement, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

For example, a person of ordinary skill in the art to which the present invention pertains may make a deposit (or omit an implementation method of storing the deposit (or savings) account electronic document in the electronic document repository by referring to or modifying the drawing 9. It is possible to infer the configuration of the account opening system, and also in the case of storing the deposit (or savings) account electronic document in the electronic document storage, the electronic document storage in addition to the implementation method shown in FIG. Or savings) can be inferred the implementation method provided in the DBMS located in the account opening system, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Further, according to the implementation method shown in FIG. 9, the deposit (or savings) account electronic document is described as being generated on the server side on the deposit (or savings) account opening system, but the present invention is limited thereto. The deposit (or savings) account electronic document may be generated at the terminal that inputs (or selects) and transmits the deposit (or savings) subscription request information (for example, the electronic document provided at the server side). Generation function is provided on the terminal side to generate the deposit (or savings) account electronic document), thereby the present invention is not limited.

Hereinafter, the deposit (or savings) subscription application information is provided from the customer through a predetermined deposit (or savings) account opening interface on the deposit (or savings) account opening system shown in FIG. 9. Or a component corresponding to at least one or more means or functional configuration for generating a predetermined deposit (or savings) account electronic document and storing it in a predetermined electronic document repository. Or savings) account opening server 900 ".

Referring to this figure 9 according to the embodiment of the present invention, a deposit (or savings) account opening system for providing the physical goods as a prepayment, the client terminal, including at least one wired terminal or a wireless terminal used by the customer It characterized in that it comprises a terminal device 975 including at least one, the terminal device 975 is a deposit (or savings) provided on the deposit (or savings) account opening system through a predetermined network means The account opening server 900 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer may open the deposit (or deposit) account opening server 900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Access the deposit (or savings) subscription information for deposit (or savings) subscription for providing the real goods as a pre-payer through at least one user interface provided by the deposit (or savings) account opening server 900. Upon input (or selection), the client terminal preferably transmits the deposit (or savings) account opening server 900 provided on the deposit (or savings) account opening system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 975 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network or At least one notebook or a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 975 connected to a mobile communication network based on code division multiple access (CDMA) (or high-speed downlink packet access (HSDPA)), or an IEEE 802.16x-based portable terminal. A generic term for all terminal devices 975 connected to the Internet, or all terminal devices 975 connected to an IEEE 802.11x-based wireless LAN, the personal communication system being connected to the CDMA based (or HSDPA based) mobile communication network; PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN. It comprises a terminal such as seonraen at least one are preferred.

In addition, the deposit (or savings) account opening server 900 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a telebanking server, or a TV banking server according to the characteristics of the client terminal and network means. Or it is preferably made to include a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the deposit (or savings) account opening server 900 is a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal Either of the portable Internet or the IEEE 802.11x-based wireless LAN, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one user interface provided by the deposit (or savings) account opening server 900, and input or select at least one or more information through the user interface to the deposits (or savings) A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the deposit (or savings) account opening server 900, etc.) for transmitting to the account opening server 900 is provided. It is preferable.

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

In the deposit (or savings) account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, the client terminal and the deposit (or savings) account opening server 900 The at least one wired or wireless network to be connected is a deposit (or savings) account opening interface for registering the application for deposit (or savings) subscription for the deposit (or savings) subscription for which the customer provides the real goods as an advance. Performs the function of.

According to another exemplary embodiment of the present invention, the terminal device 975 is, in addition to the client terminal, an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( A financial dispensing device (not shown) including a cash dispenser (CD) is further included, or a wired telephone network connected to a predetermined public switched telephone network (PSTN) or voice over IP (VoIP) network. It further comprises a call terminal (not shown) of, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or at least affiliated with the financial institution Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the deposit (or savings) account opening system as described above, when the terminal device 975 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) are provided. The financial network connecting the deposit (or savings) account opening server 900 for registering the deposit (or savings) subscription application information for the customer to join the deposits (or savings) for providing the real goods as a predecessor. Functions as a deposit (or savings) account opening interface, or when the terminal device 975 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the deposit The wired telephone network or the wireless telephone network connecting the account opening server 900 to the deposit (or savings) subscription application information for the customer to provide a deposit (or savings) subscription for providing the physical goods as a preemptive buyer. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 975, or performing a function of a deposit (or savings) account opening interface for locking. Or a network connecting a server (not shown) and the terminal (or a server) (not shown) and the deposit (or savings) account opening server 900 to provide a deposit (or It is a function of opening a deposit (or savings) account interface for registering deposit (or savings) subscription information for subscription.

The storage medium 970 provided on the deposit (or savings) account opening system according to the present invention is a deposit (or savings) opened through the deposit (or savings) subscription application information provided from the terminal device 975. And storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the account.

According to one embodiment of the invention, the storage medium 970 is provided in a DBMS on a financial system provided on the deposit (or savings) account opening system (or associated with the deposit (or savings) account opening system). In this case, the storage medium 970 may be a ledger D / B 115 provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B 115, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 970 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system provided on the deposit (or savings) account opening system, or It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The deposit (or savings) account opening server 900 provided on the deposit (or savings) account opening system according to the present invention is the deposit (or savings) connected to the terminal device 975 through a predetermined network means. General term for the account opening system-side components, may be implemented including at least one or more servers (or devices), or may be implemented in at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

According to an embodiment of the present invention, when the terminal device 975 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the deposit (or savings) account opening server. 900 is a predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server accessible to the outside world of the financial system through the Internet banking system ( Or device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the Internet banking server (or the server (or device)). It may be a program provided in the external system on the financial system, thereby limiting the present invention It does.

According to another embodiment of the present invention, when the terminal device 975 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the deposit (or savings) account opening server 900 Is a predetermined wireless banking server provided on the wireless banking system, a program provided in the wireless banking server, or a predetermined server (or apparatus) accessible to the external system of the financial system through the wireless banking system. Or a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (or the server (or device)), or It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the terminal device 975 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the deposit (or deposit) account opening server 900 Is a predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the telebanking system, a program included in the telebanking server, or a banking system of the financial system through the telebanking system. Any server (or device) accessible to the outside world, a program included in the server (or device), or an external system on the financial system accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided, or a program provided in the external world on the financial system, whereby the present invention is not limited. The.

According to another embodiment of the present invention, when the terminal device 975 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the deposit (or savings) account opening server ( 900 is a predetermined TV banking server provided on the TV banking system, a program included in the TV banking server, or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the deposit (or savings) account opening server 900 is an interface unit (or interface means) for connecting and managing a predetermined communication channel with the terminal device 975 through the network means ( 905) characterized by comprising.

According to an exemplary embodiment of the present invention, when the terminal device 975 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 905 may include a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol, Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the deposit (or savings) account opening server 900, the interface unit 905 is based on the TCP / IP protocol. It connects a communication channel with the client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a financial automation device connected to a predetermined financial network, the interface unit 905 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 905 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 905 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the deposit (or savings) account opening server 900, the interface unit 905 is based on the CDMA protocol. It connects the communication channel with the client terminal, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 905 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device 975 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 905 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, the deposit (or savings) account opening server 900 may include a predetermined terminal device 975 and the deposit (or savings) account opening server 900 via the interface unit 905. When the communication channel is connected, the terminal device 975 inputs (or selects) predetermined deposit (or savings) subscription application information in order to subscribe to the deposit (or savings) for providing the real product as a prepaid person. Or at least one user interface for transmitting to the account opening server 900 and generating (or extracting) at least one user interface, and generating the generated (or extracting) user interface in association with the interface unit 905. The interface providing unit (or interface providing means) 910 and the terminal device 975 by inputting (or selecting) the deposit (or savings) subscription application information through the user interface. In this case, an information receiving unit (or information receiving means) 915 for receiving the deposit (or savings) subscription request information transmitted from the terminal device 975 in association with the interface unit 905 is provided. do.

The interface providing unit 910 connects the deposit (or savings) account opening server 900 with a predetermined communication channel through the interface unit 905, and then deposits the deposit (or savings). When requesting a user interface for joining a deposit (or savings) that provides the real product as an advance buyer to the account opening server 900, the terminal device 975 inputs a predetermined deposit (or savings) subscription request information ( Or at least one user interface for transmitting to the deposit (or savings) account opening server 900 through the network means or extracting from a predetermined database (not shown), and the interface unit 905. And the user interface generated (or extracted) to the terminal device 975 through the network means.

According to an embodiment of the present invention, when the terminal device 975 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 910 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a financial automation device connected to a predetermined financial network, the interface providing unit 910 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 910 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 910 is connected to the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and provides the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 905. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal device 975 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 910 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 905.

According to another embodiment of the present invention, the terminal apparatus 975 inputs (or selects) predetermined deposit (or deposit) subscription application information to the deposit (or deposit) account opening server 900 through the network means. When a predetermined information registration program having at least one user interface for transmitting is provided, the deposit (or savings) account opening server is inputted (or selected) by applying the predetermined deposit (or savings) subscription application information as described above. The interface providing unit 910 for generating (or extracting) a user interface for transmitting to the 900 and providing it to the terminal device 975 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 975 inputs deposit (or savings) subscription application information including at least one of the customer information, account attribute information, real product prepaid payment information, and real product selection information through the user interface ( Or) transmits the input (or selected) deposit (or savings) subscription application information to the deposit (or savings) account opening server 900 through the network means, correspondingly to the information receiving unit 915. ) Receives the deposit (or deposit) subscription request information transmitted from the terminal device 975 in association with the interface unit 905.

According to an exemplary embodiment of the present invention, the terminal device 975 stores the deposit information in the deposit (or savings) subscription application information including at least one of the customer information, account attribute information, real product interest payment information, and real product selection information. OTP code generated through a predetermined password or security card information or a predetermined one time password (OTP) generator for verifying the validity of the deposit (or savings) subscription information in the account opening server (900) It is preferable to further include at least one or the like and to transmit to the deposit (or savings) account opening server 900 via the network means.

According to the exemplary embodiment of the present invention, the terminal device 975 includes at least one deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real product interest payment information, and real product selection information. Encrypt using the above encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method, etc.) or specify in the deposit (or saving) subscription application information. It is preferable to transmit the electronic signature to the deposit (or savings) account opening server 900 through the network means, for this purpose, the terminal device 975 is at least one encryption key corresponding to the encryption method. Or a predetermined certificate including at least one encryption key, or When the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

If one of ordinary skill in the art of the present invention belongs to the technical features of the various encryption schemes for encrypting the deposit (or deposit) subscription application information, and the electronic signature prescribed in the deposit (or deposit) subscription application information Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Referring to FIG. 9, when the deposit (or savings) account opening server 900 receives the deposit (or savings) subscription request information transmitted from the terminal device 975 through the information receiving unit 915, And a validity checking unit (or validity checking means) 920 for checking whether the received deposit (or savings) subscription application information satisfies the validity for the deposit (or savings) subscription providing the real product as a predecessor. It features.

According to an embodiment of the present invention, the deposit (or deposit) subscription information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key exchange based) When encrypted with an encryption method), the validity checker 920 at least one decryption method (for example, a symmetric key-based decryption method, or the like) corresponding to the encryption method for the encrypted deposit (or deposit) subscription information; or It is preferable to authenticate the validity of the received deposit (or savings) subscription application information by decrypting using a public key based decryption method, an electronic envelope based decryption method, or a key exchange based decryption method.

Alternatively, when a predetermined electronic signature is attached to the deposit (or savings) subscription information, the validity verification unit 920 confirms the electronic signature attached to the deposit (or savings) subscription application information, thereby receiving the received electronic signature. It is desirable to verify the validity of the deposit (or deposit) subscription information.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted deposit (or deposit) subscription application information and the deposit (or deposit) subscription information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the deposit (or deposit) subscription application information is further included in the deposit (or deposit) subscription application information received through the information receiving unit 915. In this case, the validity checker 920 compares and authenticates the password included in the deposit (or deposit) subscription request information with the password provided corresponding to the customer on the DBMS, thereby verifying the received deposit (or deposit). It is desirable to verify the validity of the application information.

Alternatively, when the deposit (or savings) subscription application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the deposit (or savings) subscription application information. The validity checker 920 compares and authenticates the security card information included in the deposit (or savings) subscription application information with the security card information provided corresponding to the customer on the DBMS, thereby verifying the received deposit (or It is desirable to verify the validity of the application information.

Alternatively, when the deposit (or savings) subscription application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the deposit (or savings) subscription application information, the validity The verification unit 920 compares and authenticates the OTP code included in the deposit (or savings) subscription application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. In addition, it is preferable to authenticate the validity of the received deposit (or savings) subscription information.

Referring to FIG. 9, when the deposit (or savings) account opening server 900 is validated for the deposit (or savings) subscription request information through the validity verification unit 920, the received deposit (or savings) The electronic document generating unit (or electronic document generating means) 925 for generating a predetermined deposit (or savings) account electronic document including the subscription application information; and the generated deposit (or savings) account electronic document. And an electronic document transmission unit 930 for transmitting to an electronic document repository associated with a deposit (or savings) account opening system.

The electronic document generating unit 925 generates a deposit (or savings) account electronic document including the deposit (or savings) subscription application information received from the terminal device 975 through the information receiving unit 915. It is characterized by.

According to an exemplary embodiment of the present invention, the electronic document generation unit 925 may be provided with customer information, account attribute information, and real goods advance interest included in the deposit (or savings) subscription application information received through the information receiving unit 915. Generate document content including at least one information and physical product selection information, and include a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the document content. Or a word processor file including at least one or the like, or a web document file including the MHT, etc.) as a deposit (or savings) account electronic document that provides the real goods as a prepayment.

Alternatively, the electronic document generating unit 925 may include customer information, deposit account (or savings account) attribute information, and real product prepaid payment information included in the deposit (or savings) subscription request information received through the information receiving unit 915. And generating document content including at least one item of physical goods selection information, customer information included in the deposit (or savings account) subscription application information, deposit account (or savings account) attribute information, and real goods advance interest payment. After including at least one of the information and the physical product selection information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic) Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). To process the product as a deposit (or savings) account provided in the electronic document seonyija preferred.

Alternatively, the electronic document generating unit 925 may include customer information, deposit account (or savings account) attribute information, and real product prepaid payment information included in the deposit (or savings) subscription request information received through the information receiving unit 915. And an image file including document content including at least one physical product selection information and image content (eg, image content generated by capturing the document content on a memory). It is preferable to process the physical commodity as a deposit (or savings) account electronic document that provides the interest.

Alternatively, the electronic document generating unit 925 may include customer information, deposit account (or savings account) attribute information, and real product prepaid payment information included in the deposit (or savings) subscription request information received through the information receiving unit 915. And generating document content including at least one item of physical product selection and storing the document content in the image content (eg, the image content generated by capturing the document content on a memory). After the watermarking method includes at least one of customer information, deposit account (or savings account) attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information, the watermarking method is performed. An image file containing the included image content as a deposit (or savings) account electronic document providing the real product as a preemptive entity. Lee it is preferable to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 925 may include customer information and deposit account (or savings account) included in the deposit (or savings) subscription application information received through the information receiving unit 915. Image content that includes at least one or more attribute information, real product pre-payment information, and physical product selection information, and captures the document content (for example, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. By generating a document file, etc.), it is preferable to process the real product into a deposit (or savings) account electronic document that provides the prepayment.

Alternatively, the electronic document generating unit 925 may include customer information, deposit account (or savings account) attribute information, and real product prepaid payment information included in the deposit (or savings) subscription request information received through the information receiving unit 915. And generating document content including at least one item of physical product selection and storing the document content in the image content (eg, the image content generated by capturing the document content on a memory). Generate image content including watermarking method of at least one of customer information, deposit account (or savings account) attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information; , A document file (eg, a Portable Document Format (PDF) file, or an EDI (Electro) file containing the image content including the watermarking) nic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is preferable to process the document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 925 may include customer information and deposit account (or savings account) included in the deposit (or savings) subscription application information received through the information receiving unit 915. Generating document content including at least one of attribute information, real goods pre-payment information, and physical goods selection information, and capturing the image content (e.g., capturing the document content on a memory) At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the image content) and the deposit (or savings) subscription information. Depositing (or savings) an account for providing the physical commodity as a pre-payer by generating a word processor file or a web document file including MHT). It is desirable to process each other.

Alternatively, the electronic document generating unit 925 may include customer information, deposit account (or savings account) attribute information, and real product prepaid payment information included in the deposit (or savings) subscription request information received through the information receiving unit 915. And generating document content including at least one item of physical product selection and storing the document content in the image content (eg, the image content generated by capturing the document content on a memory). Create an image content including watermarking method of at least one of customer information, deposit account (or savings account) attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information. , A document file (eg, PDF (Po) containing image content including the watermarking and the deposit (or savings) subscription request information. a rtable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to process the deposit (or deposit) account electronic documents provided.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 925 is a technical feature of generating a deposit (or savings) account electronic document of the image file format or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file or document file corresponding to the deposit (or savings) account electronic document, and the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 930 transmits the deposit (or savings) account electronic document generated by the electronic document generating unit 925 to a predetermined electronic document repository associated with the deposit (or savings) account opening system. Characterized in that for storing.

As shown in FIG. 9, the electronic document repository is connected to a deposit (or savings) account opening server 900 on the deposit (or savings) account opening system 900 through a predetermined communication means. ) And the electronic document D / B 965, the electronic document transmission unit 930 stores the deposit (or savings) account electronic document generated by the electronic document generation unit 925. Characterized in that the transmission to the electronic document server 100 through the communication means.

Here, when the electronic document server 100 and the electronic document D / B 965 is provided outside the deposit (or savings) account opening system, the electronic document server 100 and the electronic document D / B (965) is preferably managed by an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the deposit (or savings) account opening system, the electronic document transmission unit 930 is connected to the electronic document generation unit 925. It is possible to store the deposit (or savings) account electronic document generated by the electronic document D / B 965 corresponding to the electronic document repository on the DBMS provided in the deposit (or savings) account opening system. The present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 930 requests the electronic document related information (for example, the deposit (or savings) subscription) to generate predetermined electronic document management information in the electronic document server 100. Customer information transmitted by inputting (selecting) the information, financial institution information transmitting the deposit (or savings) account electronic document, electronic document file format information, or the deposit (or savings) subscription application information, etc.); It is possible to transmit to the electronic document storage, including, thereby the present invention is not limited.

Referring to FIG. 9, the deposit (or savings) account opening server 900 stores the deposit (or savings) subscription application information received through the information receiving unit 915 through the validity confirming unit 920. If the validity for the deposit (or savings) subscription provided by the predecessor is authenticated, the customer information, the account attribute information, the actual product prepaid interest payment information, the physical product included in the validity of the deposit (or savings) subscription application information An information generating unit (or information generating means) 935 for generating the deposit (or savings) account information based on the selection information, and the deposit (or savings) for the customer's name including the deposit (or savings) account information. It is characterized by comprising an account establishing unit (or account opening means) 940 for opening and processing the account.

When the validity of the deposit (or savings) subscription application information is confirmed by the validity confirmation unit 920, the information generation unit 935 includes the customer information and the account attribute included in the deposit (or savings) subscription application information. Characterized in that for generating the deposit (or savings) account information based on the information, real goods pre-interest payment information, real goods selection information.

Here, the deposit (or savings) account information preferably comprises account number and interest rate (or interest rate) information corresponding to the deposit (or savings) account opened based on the deposit (or savings) subscription information. If the deposit (or savings) account includes the savings attribute, it is preferable that the deposit (or savings) account further includes a predetermined subscription period, payment date and payment information.

The account opening unit 940 generates a customer ledger including customer information included in the application for opening a deposit (or savings) account in connection with the financial system (or matches the customer information with the customer ledger. Confirming), generating predetermined account ledger information including the deposit (or savings) account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby saving the deposit (or savings). In response to the subscription application information, a predetermined deposit (or savings) account for the deposit (or savings) subscription for providing the real product as a predecessor is opened.

According to an embodiment of the present invention, when the deposit (or savings) account opening server 900 and the financial system exist in the same system, the account opening unit 940 may be linked with the ledger system D / B. It is preferable to generate a predetermined ledger in 115 that includes the deposit (or savings) account information.

According to another exemplary embodiment of the present invention, when the deposit (or savings) account opening server 900 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 940 is predetermined. It is preferable to request the ledger D / B 115 on the other financial system to generate a predetermined account ledger including the deposit (or savings) account information through an external system on the financial system through a communication means of.

Referring to FIG. 9, the deposit (or savings) account opening server 900 stores the deposit (or savings) subscription application information received through the information receiving unit 915 through the validity confirming unit 920. If the validity for the deposit (or savings) subscription provided by the beneficiary is verified, the customer information and the account information corresponding to the deposit (or savings) account opened through the validated deposit (or savings) subscription application information; And an information storage unit (or information storage means) 945 for storing the storage information including at least one or more account attribute information and payment product information in a predetermined storage medium 970.

When the validity of the deposit (or savings) subscription application information is confirmed by the validity confirming unit 920, the information storage unit 945 stores the deposit (or savings) opened through the deposit (or savings) subscription application information. Store information including at least one of customer information, account information, account attribute information, and payment product information corresponding to an account in the storage medium 970.

According to an embodiment of the present invention, the storage medium 970 is provided in the deposit (or savings) account opening server 900 or on the network associated with the deposit (or savings) account opening server 900. If the information is stored, the information storage unit 945 stores at least the customer information, the account information, the account attribute information and the payment product information corresponding to the deposit (or savings) account opened through the received deposit (or savings) subscription application information. Preferably, the storage medium 970 stores one or more pieces of storage information.

According to another exemplary embodiment of the present invention, when the storage medium 970 is provided in a DBMS provided on a financial system, the information storage unit 945 opens through the received deposit (or savings) subscription information. The storage information including at least one of customer information, account information, account attribute information and payment product information corresponding to the deposit (or savings) account being provided to the information system through the external system on the financial system is provided on the financial system. It is desirable to store in a DBMS.

Referring to FIG. 9, a predetermined deposit (or savings) account electronic document is received from the deposit (or savings) account opening server 900 provided on the deposit (or savings) account opening system. The electronic document server 100 stored and managed in the / B (965) receives a predetermined deposit (or savings) account electronic document from the deposit (or savings) account opening server 900 through a predetermined communication means. Generates electronic document management information (or electronic document receiving means) 950 and predetermined electronic document management information for storing and managing the received deposit (or savings) account electronic document in the electronic document D / B 965. Electronic document storage for storing the information generating unit (or information generating means) 955 and the electronic document management information and the deposit (or savings) account electronic document in a predetermined electronic document D / B 965. Obtain a section (or electronic document storage means) 960 And it characterized in that formed.

The electronic document receiving unit 950 may receive the deposit (or savings) account electronic document in the form of an image file or a document file from the deposit (or savings) account opening server 900 through the communication means.

According to an embodiment of the present invention, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means, the deposit (or savings) account opening server 900 is the terminal device ( Document file (e.g., PDF) containing document content including at least one of customer information, account attribute information, real product interest payment information, and physical product selection information included in the deposit (or savings) subscription application information received from 975). (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means is a deposit (or savings) account opening server 900 received from the terminal device 975 ( Or deposit) customer information included in the deposit (or savings) subscription application information in document content including at least one of customer information, account attribute information, real product interest payment information, and physical product selection information included in the subscription application information; After including at least one or more information of the account attribute information, real goods prepaid interest payment information, physical goods selection information in a watermarking method, a document file (eg, PDF (Portable Document) containing document content including the watermarking; Format file, or an EDI file, a word processor file including at least one or more, such as HWP / DOC, or including an MHT It comprises a text file, etc.) is preferred.

Alternatively, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means is a deposit (or savings) account opening server 900 received from the terminal device 975 ( Or image data capturing document contents including at least one of customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information (eg, the document content). It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means is a deposit (or savings) account opening server 900 received from the terminal device 975 ( Or image data capturing document contents including at least one of customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information (e.g., storing the document contents in a memory). Image information captured on the webpage) and at least one of customer information included in the deposit (or savings) subscription application information, deposit account (or savings account) attribute information, real product advance interest payment information, and physical product selection information. After including by watermarking (Watermarking) method, including the image file containing the image content including the watermarking It is preferable.

According to another exemplary embodiment of the present invention, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means, the deposit (or savings) account opening server 900 is the terminal device An image capturing document contents including at least one of customer information, account attribute information, real product interest payment information, and physical product selection information included in the deposit (or savings) subscription application information received from 975. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) And at least one word processor file or at least one web document file including the MHT.

Alternatively, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means is a deposit (or savings) account opening server 900 received from the terminal device 975 ( Or image data capturing document contents including at least one of customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information (e.g., storing the document contents in a memory). Watermarking method of at least one or more of the customer information, account attribute information, real product advance interest payment information, real product selection information included in the deposit (or savings) subscription application information to the image content captured on the A document file containing the image content including the watermarking and generating image content including nt Format) file, EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means is the deposit (or savings) account opening server 900 is the terminal Image capturing document contents including at least one of customer information, account attribute information, real product advance interest payment information, and real product selection information included in the deposit (or savings) subscription application information received from the device 975. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data) containing content (e.g., image content generated by capturing the document content on a memory) and the deposit (or deposit) subscription information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). desirable.

Alternatively, the deposit (or savings) account electronic document received by the electronic document receiving unit 950 through the communication means is a deposit (or savings) account opening server 900 received from the terminal device 975 ( Or image data capturing document contents including at least one of customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the subscription application information (e.g., storing the document contents in a memory). Watermarking method of at least one or more of the customer information, account attribute information, real product advance interest payment information, real product selection information included in the deposit (or savings) subscription application information to the image content captured on the Create image content including a, and includes the image content and the deposit (or deposit) subscription application information including the watermarking A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

The information generating unit 955 is a predetermined electronic document unique number (or unique information) to be assigned to the deposit (or savings) account electronic document received through the electronic document receiving unit 950, and the electronic document receiving unit 950 Electronic document management information including electronic document storage date and time information including the date and time (or date and time the deposit (or deposit) account electronic document was stored) received the deposit (or deposit) account electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 955 opens the deposit (or savings) account opening server 900 that transmits the deposit (or savings) account electronic document received through the electronic document receiving unit 950. It is preferable to check the financial institution that sent the deposit (or savings) account electronic document, and to generate the electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 950 further receives a predetermined electronic document related information from the deposit (or savings) account opening server 900, the information generating unit 955 ) Is the customer information transmitted by inputting (selecting) the received electronic document related information (for example, the deposit (or savings) subscription request information), or the financial institution information transmitting the deposit (or savings) account electronic document, or It is preferable to generate electronic document management information further including electronic document file format information or the deposit (or savings) subscription application information.

The electronic document storage unit 960 associates the deposit (or savings) account electronic document received through the electronic document receiving unit 950 with the electronic document management information generated through the information generating unit 955, thereby providing a predetermined process. Characterized in the electronic document D / B (965).

According to the exemplary embodiment of the present invention, the deposit (or savings) account stored in the electronic document storage unit 960 in the electronic document D / B 965 is the deposit (or savings) account opening server 900 ) Includes document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the deposit (or savings) subscription application information received from the terminal device 975. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, in the electronic document storage unit 960, the deposit (or savings) account electronic document stored in the electronic document D / B 965 is stored in the deposit (or savings) account opening server 900 by the terminal device 975. Application information on the deposit (or savings) subscription to document content including at least one of customer information, account attribute information, real product interest payment information, and physical product selection information received from the deposit (or savings) subscription application information received from A document file including document contents including the watermarking after including at least one or more information of customer information, account attribute information, real product prepaid payment information, and physical product selection information included in the watermarking method. For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT. Web document files).

Alternatively, in the electronic document storage unit 960, the deposit (or savings) account electronic document stored in the electronic document D / B 965 is stored in the deposit (or savings) account opening server 900 by the terminal device 975. Image content (e.g., capture) of document content including at least one of customer information, account attribute information, real product interest payment information, and physical product selection information included in the deposit (or deposit) subscription application information received from And an image file including image content generated by capturing the document content on a memory.

Alternatively, in the electronic document storage unit 960, the deposit (or savings) account electronic document stored in the electronic document D / B 965 is stored in the deposit (or savings) account opening server 900 by the terminal device 975. Image content (e.g., capture) of document content including at least one of customer information, account attribute information, real product interest payment information, and physical product selection information included in the deposit (or deposit) subscription application information received from Image information generated by capturing the document content on a memory; and at least one of customer information included in the deposit (or savings) subscription application information, account attribute information, real product prepaid interest payment information, and real product selection information. After the watermarking method is included, the watermarking may include an image file including the image content.

According to another exemplary embodiment of the present invention, the deposit (or savings) account electronic document stored in the electronic document storage unit 960 in the electronic document D / B (965) is the deposit (or savings) account opening server ( 900 captures document content including at least one of customer information, account attribute information, real goods prepaid interest payment information, and real goods selection information included in the deposit (or savings) subscription application information received from the terminal device 975. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or And a word processor file including at least one HWP / DOC or the like, or a web document file including an MHT.

Alternatively, in the electronic document storage unit 960, the deposit (or savings) account electronic document stored in the electronic document D / B 965 is stored in the deposit (or savings) account opening server 900 by the terminal device 975. Capture document content including at least one of customer information, deposit account (or savings account) attribute information, real product pre-interest payment information, and real product selection information included in the deposit (or deposit) subscription application information received from Customer information included in the deposit (or savings) subscription application information, image property information, real product prepaid interest payment information, real product selection information, and the like (e.g., image content generated by capturing the document content on a memory) A document wave including image content including at least one of the at least one piece of information by a watermarking method and the image content including the watermarking; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to another exemplary embodiment of the present invention, the deposit (or savings) account electronic document stored in the electronic document storage unit 960 in the electronic document D / B (965) is the deposit (or savings) account opening server Document content that the deposit (or deposit) received from the terminal device 975 includes at least one of customer information, account attribute information, real goods prepaid interest payment information, and real goods selection information included in the application information. A predetermined document file (e.g., Portable Document Format (PDF)) containing captured image content (e.g., image content generated by capturing the document content on a memory) and the deposit (or savings) subscription request information. File, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferred.

Alternatively, in the electronic document storage unit 960, the deposit (or savings) account electronic document stored in the electronic document D / B 965 is stored in the deposit (or savings) account opening server 900 by the terminal device 975. Capture document content including at least one of customer information, deposit account (or savings account) attribute information, real product pre-interest payment information, and real product selection information included in the deposit (or deposit) subscription application information received from Customer information included in the deposit (or savings) subscription application information, image property information, real product prepaid interest payment information, real product selection information, and the like (e.g., image content generated by capturing the document content on a memory) Generate image content including at least one of the information in a watermarking manner, and the image content and the deposit (or red) including the watermarking; A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT, including the subscription application information; Web document files).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 965 by the electronic document storage unit 960 in association with the deposit (or savings) account electronic document is stored in the deposit. (Or savings) It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the account electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 965 by the electronic document storage unit 960 in association with the deposit (or savings) account electronic document is stored in the electronic document storage unit 960. It is preferable to further include information on the financial institution that has transmitted the deposit (or savings) account electronic document confirmed with reference to the deposit (or savings) account opening server 900 that sent the deposit (or savings) account electronic document. Do.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the deposit (or savings) account opening server 900, the electronic document storage unit 960 stores the deposit (or savings). The electronic document management information stored in the electronic document D / B 965 in association with an account electronic document is inputted (selected) by inputting the received electronic document related information (eg, the deposit (or savings) subscription application information). It is preferable to further include customer information transmitted, financial institution information for transmitting the deposit (or savings) account electronic document, electronic document file format information, or the deposit (or savings) subscription application information).

FIG. 10 illustrates an implementation method in which a storage medium for storing information corresponding to a deposit (or savings) account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 970 illustrated in FIG. 9 is the ledger D / B 115 provided in the DBMS on the financial system, or the ledger D / B 115 is provided, As an information structure for an implementation method of storing information including at least one of the customer information, account information, account attribute information, and payment product information is stored in the ledger information provided in the ledger D / B 115, Those skilled in the art to which the present invention pertains may refer to or modify the drawing 10 to at least one of the customer information, account information, account attribute information and payment product information in the ledger D / B 115. Various information configuration methods for storing stored information 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 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 115 provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and It is shown that the account ledger corresponding to the deposit (or savings) account opened through the illustrated deposit (or savings) account opening system and at least one or more information associated with the account ledger. If the person with ordinary knowledge in the general ledger D / B 115 provided in the DBMS on the financial system, at least one ledger (for example, the ledger, loan ledger, It will be clearly understood that it further includes at least one additional information for maintaining and managing the ledger, etc.) Since it will be familiar with the technical matters, a detailed description thereof will be omitted for convenience.

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

In addition, the account ledger is relationally associated with the customer ledger, and as a ledger corresponding to the deposit (or savings) account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. At least one of a plurality of pieces of periodic reception information including at least one of a period, a number of days, a period extension, an expiration date, and a target amount, or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information that includes more than one, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, It includes transaction history information including at least one bank account line, a summary, and a CIF.

According to an exemplary embodiment of the present invention, the storage medium 970 is the ledger D / B 115, or the present invention includes an implementation method provided in the ledger D / B 115. Customer information, account information, account attribute information and payment product information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information provided through the deposit (or savings) account opening system shown in FIG. Store information including at least one of the stored in the form of additional information added to the account ledger.

According to an embodiment of the present invention, the stored information includes customer information for opening the deposit (or savings) account through the deposit (or savings) subscription application information, account information corresponding to the deposit (or savings) account, and Payment product information corresponding to the product paid to the customer by matching the account attribute information with the interest amount calculated in correspondence with the payment amount information, the contract period information, and the interest rate (or interest rate) information for the deposit (or savings) account; It is preferable to include at least one, and in this figure 10, the customer information is included in the customer ledger, the account information will be included in the account ledger and will be omitted for convenience.

The payment product information is matched with the interest rate (or interest rate) information, the payment amount information and the contract period information of the deposit (or savings) account opened through the deposit (or savings) subscription application information matching After a predetermined real product is paid to the customer, it is preferable to include at least one or more product information, product price information, payment date information, customer receipt confirmation information, etc. corresponding to the real product prepaid to the customer. Do.

11 is a database in which a storage medium storing storage information corresponding to a deposit (or savings) account opened in a non-face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a.

In more detail, FIG. 11 shows an information structure of an embodiment in which the storage medium 970 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 115 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 11 and include at least one of the customer information, account information, account attribute information, and payment product information in a predetermined database. It is possible to infer various information configuration methods for storing and storing the stored information in association with the ledger D / B 115, but the present invention includes all the implementation methods inferred, the embodiment shown in Figure 11 It is not limited to the method alone.

In particular, FIG. 11 stores stored information including at least one of the customer information, account information, account attribute information, and payment product information in the ledger information of the ledger D / B 115 on the DBMS provided on the financial system. If it is not easy (e.g., it is not easy to change the ledger D / B 115 of the DBMS due to the policy of the financial institution, or the system expansion is not easy due to the characteristics of the financial system), the ledger D / B Instead of storing the stored information including at least one of the customer information, account information, account attribute information and payment product information in a predetermined database, the database and the ledger D / B 115 is linked to The implementation method of storing is shown.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 11, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 11, the storage medium 970 includes a database associated with the ledger D / B 115 provided in a DBMS on a financial system. Or storing information including at least one of customer information, account information, account attribute information, and payment product information corresponding to a deposit (or savings) account opened through the subscription application information. The information preferably further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 115.

12 illustrates an implementation method including a DBMS provided with a banking server in which a storage medium storing storage information corresponding to a deposit (or savings) account opened in a non-face-to-face manner according to another embodiment of the present invention. Drawing.

More specifically, FIG. 12 shows a DBMS in which a storage medium 970 shown in FIG. 9 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. The present invention relates to an embodiment provided by the present invention. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 12 and store customer information stored in a predetermined DBMS provided in at least one or more banking servers. And it can be inferred the information configuration method for the stored information including at least one or more account information, account attribute information and payment product information, the present invention includes all the implementation methods inferred, shown in Figure 12 It is not limited only to the implementation method.

According to another exemplary embodiment of the present invention, referring to FIG. 12 in which the storage medium 970 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is stored in the deposit (or deposit). And storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the subscription application information.

The account information is deposit (or savings) account information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information, wherein the account information corresponds to the deposit (or savings) account. It is preferable to include at least one account number, account holder name and the like.

The payment product information is matched with the interest rate (or interest rate) information, the payment amount information and the contract period information of the deposit (or savings) account opened through the deposit (or savings) subscription application information matching After a predetermined real product is paid to the customer, it is preferable to include at least one of product information, product price information, payment date information, customer receipt confirmation information, and the like corresponding to the real product prepaid to the customer. .

13A, 13B, and 13C are diagrams illustrating a process of opening a deposit (or savings) account for providing a real product as a prepaid entity in a non-face to face manner according to one embodiment of the present invention.

13A, 13B, and 13C, the terminal device 975 on the deposit (or savings) account opening system shown in FIG. 9 is a client terminal, and the deposit (or savings) account opening server 900 is shown in FIG. In the case where the client terminal has a web server function accessible to the client terminal through a predetermined network means, the customer information is set up through the client terminal to open a deposit (or savings) account in which a predetermined customer provides the real goods as a predecessor. When the deposit (or savings) account application information is provided, the deposit (or savings) account opening system includes at least one deposit account (or savings account) attribute information, at least one item of interest payment information and information on selection of goods. At least one of customer information, deposit account (or savings account) attribute information, real product pre-interest payment information, and physical product selection information The present invention relates to an implementation method of opening and processing the deposit (or savings) account for deposit (or savings) subscription for providing the real product as a predecessor based on deposit (or savings) subscription application information. Those skilled in the art can refer to or modify the drawings 13a, 13b, and 13c to apply for the deposit (or savings) subscription information from the client terminal to the deposit (or savings) account opening server 900. It will be able to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in Figures 13a, 13b and 13c.

For example, in the method shown in FIGS. 13A, 13B, and 13C, the method includes generating a predetermined electronic document corresponding to the deposit (or deposit) subscription application information and storing the electronic document in an electronic document storage. The procedure may be omitted according to the intention of the skilled person, and the present invention is not limited thereto.

13A, 13B, and 13C, the method of opening the deposit (or deposit) account opening server may include a user interface for the client terminal to input (or select) the deposit (or deposit) subscription application information. Although illustrated as being provided through a predetermined web page provided by 900, if the predetermined information registration program is provided in the client terminal, the user interface from the deposit (or savings) account opening server 900 It does not have to be provided, and thereby the present invention is not limited.

In the following FIGS. 13A, 13B and 13C, the client terminal shown in FIG. 9 is referred to as "terminal" for convenience, and the deposit (or savings) account opening server 900 shown in FIG. 9 is referred to as "server" for convenience. "

Referring to FIGS. 13A, 13B, and 13C, when the client terminal illustrated in FIG. 9 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, the client terminal is a wireless terminal). Is connected to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, to connect a predetermined communication channel, and select the physical product. When requesting a web page including a user interface for joining a deposit (or deposit) provided by the server (1300), the server correspondingly the customer information, deposit account (or deposit account) attribute information and real goods advance interest payment information And input (or select) deposit (or deposit) subscription application information including at least one item of physical product selection and transmit the information to the server. Generate a web page including a user interface (or extract), and 1305, and outputs to send the web page containing the created user interface (or extraction) via the network means to the mobile station (1310).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the deposit (or savings) subscription application information registration procedure. It is not limited.

Thereafter, the terminal inputs (or selects) deposit (or savings) subscription application information including at least one or more customer information, account attribute information, real product prepaid payment information, and real product selection information through a user interface included in the web page. (1315).

If the terminal inputs (or selects) the deposit (or savings) subscription request information including the customer information, the deposit account (or savings account) attribute information, the real product advance interest payment information, and the real product selection information through the user interface. In operation 1320, the terminal transmits the input (or selected) customer information, the deposit account (or savings account) attribute information, the real product pre-interest payment information, and the real product selection information to the server through the communication channel ( 1325).

According to an embodiment of the present invention, the terminal includes the at least one deposit (or savings) subscription request information including the customer information, account attribute information, real goods prepaid interest information, and real goods selection information at the server. Or at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the subscription application information. It is desirable to send to the server.

According to an embodiment of the present invention, the terminal may include at least one encryption method for deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real product prepaid interest information, and real product selection information. For example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.) or an electronic signature prescribed in the deposit (or savings) subscription information. It is preferable to transmit to the server through the network means attached to this, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate containing at least one encryption key. Equipped with a predetermined IC chip (or IC card) or When provided, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method for deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real product prepaid interest information, and real product selection information. For example, it is preferable to encrypt a symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method, and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate is provided on a predetermined IC chip (or IC card). If yes, to confirm the certificate of authentication provided in the IC chip (or IC card) Laundry is preferably provided with a further.

Thereafter, the server receives and reads the customer information, the account attribute information, the real product advance interest payment information, and the real product selection information through the communication channel to confirm the validity of the deposit (or savings) subscription application information (1330). ).

According to an embodiment of the present invention, the deposit (or deposit) subscription information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, or electronic envelope based encryption, or key exchange based) When encrypted with an encryption method), the server converts the encrypted deposit (or deposit) subscription request information into at least one decryption method (eg, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received deposit (or deposit) subscription application information.

Alternatively, when a predetermined electronic signature is attached to the deposit (or deposit) subscription application information, the server checks the electronic signature attached to the deposit (or deposit) subscription application information, thereby receiving the received deposit (or deposit). It is desirable to verify the validity of the application information.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the deposit (or deposit) subscription application information is further included in the deposit (or deposit) subscription application information received through the information receiving unit 915. In this case, the server compares and authenticates the password included in the deposit (or savings) subscription request information with the password provided corresponding to the customer on the DBMS, thereby verifying the received deposit (or savings) subscription request information. It is desirable to authenticate validity.

Alternatively, when the deposit (or savings) subscription application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the deposit (or savings) subscription application information. The server compares and authenticates the received security card information included in the deposit (or savings) subscription request information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received deposit (or savings) subscription request information. It is desirable to authenticate the validity of the.

Or, if the deposit (or savings) subscription application information received through the information receiving unit 915 further includes a predetermined OTP code for checking the validity of the deposit (or savings) subscription application information, the server The received deposit by comparing and authenticating the received OTP code included in the deposit (or savings) subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. (Or savings) It is desirable to verify the validity of the application information.

If the validity of the deposit (or savings) subscription application information is not authenticated (1335), the server generates a web page including the predetermined deposit (or savings) account error information and transmits it to the terminal (1340). However, the procedure for opening the deposit (or savings) account is not performed.

On the other hand, if the validity of the deposit (or savings) subscription application information is authenticated (1335), the server at least one or more customer information, including the deposit (or savings) subscription application information, deposit account (or savings account) attribute information And generate predetermined document content including real product prepaid interest information and real product selection information (1345), and generate a predetermined deposit (or savings) account electronic document including the document content (1350).

According to an exemplary embodiment of the present invention, the server may include at least one document including customer information, account attribute information, real product advance interest payment information, and physical product selection information included in the received deposit (or deposit) subscription application information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or an MHT. Web document file, etc.) is preferably treated as a deposit (or savings) account electronic document that provides the actual product as a prepayment.

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. After the watermarking method includes at least one or more of the customer information, the account attribute information, the actual product interest payment information, and the physical product selection information included in the deposit (or savings) subscription application information in the watermarking method, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) is preferably treated as a deposit (or savings) account electronic document that provides the physical product as a beneficiary. .

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. Processing an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) into a deposit (or savings) account electronic document providing the real product as a predecessor; It is preferable.

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. Customer information included in the deposit (or savings) subscription request information, image property information, real product prepaid interest payment information in the captured image contents (e.g., image contents generated by capturing the document contents on a memory). A deposit (or savings) account for including at least one of physical goods selection information in a watermarking manner, and then providing the real goods as a preemptive image file including the image contents including the watermarking; It is preferable to process the document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, account attribute information, real product prepaid interest payment information, and real product selection information included in the received deposit (or savings) subscription application information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby depositing (or providing) the physical commodity as a prepayer (or It is preferable to process the bank account electronically.

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. Customer information included in the deposit (or savings) subscription request information, image property information, real product prepaid interest payment information in the captured image contents (e.g., image contents generated by capturing the document contents on a memory). Generating an image content including at least one piece of information of physical product selection information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or a word processor file including at least one of an electronic data interchange (EDI) file or an HWP / DOC. , Or a web document file including MHT), it is preferable to process the real product into a deposit (or savings) account electronic document that provides a prepayment.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, account attribute information, real product prepaid interest payment information, and real product selection information included in the received deposit (or deposit) subscription information. And a predetermined document including image content (eg, image content generated by capturing the document content on a memory) and the deposit (or savings) subscription request information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the physical commodity as a deposit (or savings) account electronic document that provides the interest.

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. Customer information included in the deposit (or savings) subscription request information, image property information, real product prepaid interest payment information in the captured image contents (e.g., image contents generated by capturing the document contents on a memory). A document file including image content including the watermarking and the deposit (or savings) subscription application information; For example, at least a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file may be used. By generating one or more word processor files, or web document files containing MHT, etc., it is preferable to process the real goods into deposit (or savings) account electronic documents that provide the predecessor.

Thereafter, the server stores the generated deposit (or savings) account electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, a predetermined electronic document server 100 and an electronic document D / B 965 in which the electronic document storage is linked with a server on the deposit (or savings) account opening system through predetermined communication means. When provided externally, the server transmits the generated deposit (or savings) account electronic document to the electronic document server 100 through the communication means to the electronic document D / B (965) It is desirable to store.

Alternatively, when the electronic document storage is provided on a DBMS provided in the deposit (or savings) account opening system, the server opens the deposit (or savings) account electronic document in the deposit (or savings) account. It is possible to store in the electronic document D / B 965 corresponding to the electronic document storage on the DBMS provided in the system, whereby the present invention is not limited.

According to the method of the present invention, storing the deposit (or savings) account electronic document in the electronic document storage, by linking the generated deposit (or savings) account electronic document and predetermined electronic document management information; It is preferable to include storing in the electronic document D / B 965 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the deposit (or savings) account electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the deposit (or savings) account electronic document.

Also, the electronic document management information transmits customer information transmitted by inputting (selecting) the predetermined electronic document related information (for example, the deposit (or deposit) subscription application information or the deposit (or deposit) account electronic document. Financial institution information, electronic document file format information, or the deposit (or savings) subscription application information).

If the deposit (or savings) account electronic document is stored in the electronic document repository (1360), the server includes the customer information, account attribute information, real goods prepayment payment information, included in the deposit (or savings) subscription application information, The deposit (or savings) account information is generated based on real product selection information (1365).

Thereafter, the server is linked to the financial system based on the customer information, account attribute information, real goods prepayment payment information, and real product selection information included in the deposit (or savings) subscription application information. In operation 1370, a deposit (or savings) account of the customer name including account information is opened.

Thereafter, the server generates stored information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information. And store in a predetermined storage medium 970 (1375).

According to an embodiment of the present invention, when the storage medium 970 is provided in the server or on a network associated with the server, the server opens through the received deposit (or savings) subscription application information. Preferably, the storage medium 970 stores storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to a deposit (or savings) account.

According to another embodiment of the present invention, when the storage medium 970 is provided in a DBMS provided on a financial system, the server deposits (or deposits) opened through the received deposit (or deposit) subscription application information. The storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to an account is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. desirable.

Thereafter, the server sets a predetermined deposit (or savings) account opening history information (for example, the deposit (or savings) account opening history, or a history of storing the deposit (or savings) account electronic document in the electronic document repository, or The storage medium 970 generates (or extracts) the details of storing the deposit (or savings) subscription application information and transmits the generated (or extracted) information to the terminal (1380).

Thereafter, a predetermined sender (shipper) sends the real goods selected by the customer, and sends the customer receipt confirmation information from the sender (shipper) terminal to the server to confirm whether the actual goods are received. (1383)

Thereafter, the server receives customer receipt confirmation information from a predetermined communication means. (1386)

Thereafter, the server checks the customer receipt confirmation information received from the communication means. (1389)

If the server confirms the customer receipt (1392), the server generates predetermined payment date and time information based on the customer receipt confirmation information. (1395)

Thereafter, the server stores the customer receipt confirmation information and the payment date and time information in the storage information of the storage medium 970. (1398)

14A, 14B, 14C, and 14D are diagrams illustrating a process of opening a deposit (or savings) account for providing an actual product as a prepaid according to an exemplary embodiment of the present invention.

In more detail, FIGS. 14A, 14B, 14C, and 14D are provided when the deposit (or savings) account opening system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (ie, the drawing). In the case where the deposit (or deposit) account opening server 900 on the deposit (or deposit) account opening system shown in FIG. 9 is an Internet banking server, the client terminal is a TCP / IP-based network (for example, the Internet). After accessing the internet banking server and performing a predetermined customer authentication procedure, the client terminal applies for a predetermined deposit (or savings) subscription in order to open a deposit (or savings) account for providing the real product as a predecessor. When the information is transmitted to the internet banking server, the customer information, account attribute information, real product prepaid interest payment information, and physical product selection information are transmitted from the internet banking server. The present invention relates to a method for opening and processing the deposit (or savings) account for joining the deposit (or savings) that provides the real product as a prefecture based on the application information for deposit (or savings) subscription containing at least one report. Those skilled in the art to which the present invention pertains may refer to or modify the drawings 14a, 14b, 14c, and 14d to apply for the deposit (or savings) subscription information through another type of non-face-to-face financial transaction channel. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 14A, 14B, 14C, and 14D.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape Navigator Netscape Navigator, etc.) included in the client terminal in FIGS. 14A, 14B, 14C, and 14D Although an implementation method of connecting an internet banking-based financial transaction channel for registering a deposit (or savings) subscription application information between the client terminal and an internet banking server based on the browser program is illustrated, it is common in the art to which the present invention pertains. Those skilled in the art can refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14A, 14B, 14C, and 14D, and the predetermined Internet banking program mounted on the client terminal. Based on the client Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a deposit (or deposit) subscription application information between a terminal and an internet banking server, the present invention provides an internet provided based on the internet banking program. Banking-based financial transactions are included, whereby the present invention is not limited.

Also, those skilled in the art to which the present invention pertains may refer to or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 14A, 14B, 14C, and 14D, in addition to the Internet banking system. In other banking systems such as a telebanking system or a wireless banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering a deposit (or savings) subscription information may be inferred. Includes all kinds of non-facing channel based financial transactions including the telebanking system, the wireless banking system or the TV banking system, or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention is illustrated in FIGS. 14A and 14B. It is by no means limited to the case of Internet banking shown in FIGS. 14C and 14D.

In addition, although the embodiment shown in FIGS. 14A, 14B, 14C, and 14D includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In the following figures 14a, 14b, 14c and 14d, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the deposit (or savings) account opening server 900 is referred to as "server" for convenience. do.

Referring to FIGS. 14A, 14B, 14C, and 14D, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1400a), the server may access the server through the browser. The communication channel between the terminal and the server is connected (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. It means that a predetermined communication session is allocated so that a browser program provided in the terminal can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page. .

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (1415a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1425a), or if the terminal does not need to load or update the Internet banking security module (1415a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (1430a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the deposit (or deposit) subscription information in the terminal A predetermined digital signature, or by encrypting and transmitting at least one encryption method (or encryption algorithm), the server verifies the electronic signature or predetermined decryption corresponding to the encryption method (or encryption algorithm). The communication channel means to decode the information (or data) by a method (or a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and to the information (or data) to be provided to the server to register the deposit (or savings) subscription information in the terminal; Attach a predetermined digital signature or at least one password If the encryption is transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

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

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

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1440a). In operation 1445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined deposit (or deposit) subscription application information for deposit (or deposit) subscription for providing real goods to the server from the terminal to the server.

Thereafter, when the terminal requests a webpage including a user interface for subscribing to a deposit (or savings) for providing the real product to the server through an internet banking-based financial transaction channel (1400b), correspondingly, The server inputs (or selects) deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real goods prepaid payment information, and physical goods selection information, and transmits the user interface to the server. A web page including the web page is generated (or extracted) (1405b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1410b).

According to an embodiment of the present invention, the web page inputs (or selects) deposit (or savings) subscription application information including at least one of customer information, account attribute information, real product interest payment information, and real product selection information in the terminal. It is preferable to include a user interface, or a predetermined password or security card information (e.g., Internet banking application to verify the validity of the Internet banking customer requesting to register the deposit (or savings) subscription information) The security card information printed on the security card issued to the customer during the process, or the OTP (One Time Password) (for example, the internet banking application process (or after the internet banking application). The program further includes a user interface for entering a one-time password generated through) It is preferable.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the deposit (or savings) subscription application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal stores the deposit (or savings) including at least one of the customer information, the deposit account (or savings account) attribute information, the actual product pre-interest payment information, and the actual product selection information through the deposit (or savings) account opening interface. Enter (or select) subscription application information (1415b).

If the terminal inputs (or selects) the deposit (or savings) subscription request information including the customer information, the account attribute information, the real product advance interest payment information, and the real product selection information through the user interface (1420b), The terminal transmits the deposit (or deposit) subscription application information input (or selected) to the server through the financial transaction channel (1425b).

According to an embodiment of the present invention, the terminal receives the deposit (or savings) subscription application information including at least one of the customer information, deposit account (or savings account) attribute information, real goods pre-payment payment information, and physical goods selection information. Encrypt with at least one encryption method (eg, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method), or the deposit (or deposit) subscription information It is preferable to transmit a predetermined electronic signature to the server through the network means, and to this end, the terminal includes at least one encryption key or at least one encryption key corresponding to the encryption scheme. Have a predetermined official certificate, or the official certificate In the case where the IC chip (or IC card) is provided, it is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method for deposit (or savings) subscription request information including at least one of the customer information, account attribute information, real product prepaid interest information, and real product selection information. For example, it is preferable to encrypt a symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method, and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) If yes, to confirm the certificate of authentication provided in the IC chip (or IC card) It is preferable that a card reader is provided.

Thereafter, the server receives and reads the deposit (or savings) subscription application information through the financial transaction channel to confirm the validity of the deposit (or savings) subscription application information (1430b).

Alternatively, when a predetermined electronic signature is attached to the deposit (or deposit) subscription application information, the server checks the electronic signature attached to the deposit (or deposit) subscription application information, thereby receiving the received deposit (or deposit). It is desirable to verify the validity of the subscription application information.

If the validity of the deposit (or savings) subscription application information is not authenticated (1435b), the server generates a web page including predetermined deposit (or savings) account error information and transmits it to the terminal (1440b). However, the procedure for opening the deposit (or savings) account is not performed.

On the other hand, if the validity of the deposit (or deposit) subscription application information is authenticated (1435b), the server includes at least one or more customer information, account attribute information, real goods advance payment information including the deposit (or deposit) subscription information In operation 1450c, predetermined document content including physical product selection information is generated (1445b), and a predetermined deposit (or savings) account electronic document including the document content is generated (1450c).

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. The watermarking method includes at least one of customer information, deposit account (or savings account) attribute information, real product advance interest payment information, and physical product selection information included in the deposit (or savings) subscription application information in the content. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file containing an MHT), such as a deposit (or savings) account electronic document that provides the physical commodity as a beneficiary. It is preferable to.

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. Customer information included in the deposit (or savings) subscription request information, image property information, real product prepaid interest payment information in the captured image contents (e.g., image contents generated by capturing the document contents on a memory). And generating an image content including at least one or more pieces of physical product selection information by a watermarking method, and a document file (for example, a PDF (Portable Document Format) file) including the image content including the watermarking. , Or a word processor wave including at least one EDI (Electronic Data Interchange) file, or at least one HWP / DOC. , Or by creating a file such as a Web document) comprising a MHT, it is preferred to process the actual product to deposit (or savings) account provided in the electronic document seonyija.

Alternatively, the server generates document content including at least one of customer information, account attribute information, real product prepayment payment information, and real product selection information included in the received deposit (or savings) subscription application information. Customer information included in the deposit (or savings) subscription application information, image property information, and actual product prepaid payment to the image contents (e.g., image contents generated by capturing the document contents on the memory) which captured the contents. A document file including image information including at least one of information and physical product selection information by a watermarking method, the image file including the watermarking and the deposit (or savings) subscription information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). By generating one or more word processor files, or web document files containing MHT, etc., it is preferable to process the real goods into deposit (or savings) account electronic documents that provide the predecessor.

Thereafter, the server stores the generated deposit (or savings) account electronic document in a predetermined electronic document storage (1455c).

In addition, the electronic document management information for transmitting a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the deposit (or savings) subscription application information, or the deposit (or savings) account electronic document). Financial institution information, electronic document file format information, or the deposit (or savings) subscription application information).

If the deposit (or deposit) account electronic document is stored in the electronic document repository (1460c), the server includes the customer information, account attribute information, real goods prepaid interest payment information, included in the deposit (or deposit) subscription application information, The deposit (or savings) account information is generated based on the actual product selection information (1465c).

Thereafter, the server is linked to the financial system based on the customer information, account attribute information, real goods prepayment payment information, and real product selection information included in the deposit (or savings) subscription application information. A deposit (or savings) account in the customer's name including account information is opened (1470c).

Thereafter, the server generates stored information including at least one of customer information, account information, account attribute information, and payment product information corresponding to the deposit (or savings) account opened through the deposit (or savings) subscription application information. And store in a predetermined storage medium 970 (1475c).

According to another embodiment of the present invention, when the storage medium 970 is provided in a DBMS provided on a financial system, the server deposits (or deposits) opened through the received deposit (or deposit) subscription application information. (C) providing storage information including at least one of customer information, account information, account attribute information, and payment product information corresponding to an account to an information system through an external system on the financial system and storing the information in a DBMS provided on the financial system. It is preferable.

Thereafter, the server sets a predetermined deposit (or savings) account opening history information (for example, the deposit (or savings) account opening history, or a history of storing the deposit (or savings) account electronic document in the electronic document repository, or The storage medium 970 generates (or extracts) the details of storing the deposit (or savings) subscription application information and transmits the generated (or extracted) information to the terminal (1480c).

Thereafter, a predetermined sender (shipper) sends the real goods selected by the customer, and transmits the customer receipt confirmation information from the sender (shipper) terminal to the server to confirm whether the actual goods are received (1400d).

Thereafter, the server receives customer receipt confirmation information from a predetermined communication means. (1410d)

Thereafter, the server checks the customer receipt confirmation information received from the communication means (1420d).

If the server confirms the customer receipt (1430d), the server generates predetermined payment date and time information based on the customer receipt confirmation information (1440d).

Thereafter, the server stores the customer receipt confirmation information and the payment date and time information in the storage information of the storage medium 970 (1450d).

According to another embodiment of the present invention, the storage medium 970 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system provided on the deposit (or savings) account opening system; Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

15 is a view showing a deposit (or savings) account operating system for the deposit (or savings) operation provided by the physical product preemptive in accordance with the method of the present invention.

More specifically, FIG. 15 shows the deposit (or savings) account opened through the deposit (or savings) account opening system shown in FIG. 2 or FIG. 9 based on the stored information stored in the storage medium 1535. When the deposit (or savings) account expires in the account management system, the principal of the deposit (or savings) account is repaid, and the deposit (or savings) is terminated during the termination of the deposit (or savings) account. A system configuration for repaying by subtracting the overpaid interest amount among the pre-payers corresponding to the real goods previously paid to the customer from the principal of the account, if the person having ordinary knowledge in the technical field to which the present invention belongs Various implementation methods for the deposit (or savings) account management system for the deposit (or savings) operation provided by the real goods with reference to or modifying this drawing 15 Although it can be inferred, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the deposit (or savings) account operating system is a deposit (or savings) account opened through the deposit (or savings) account opening system shown in FIG. A financial system having a ledger corresponding to the storage system; a storage medium 1535 for storing storage information including at least one of the customer information, account information, account attribute information, and payment product information; A deposit (or savings) account which operates a deposit (or savings) account but periodically checks the storage information stored in the storage medium 1535 to achieve the deposit (or savings) operation provided by the real product as a prepayment. It is characterized by comprising the operation server 110.

Here, the storage medium 1535 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the deposit (or savings) account management server 110 is a ledger server provided in the financial system, or a deposit (or savings) account on the deposit (or savings) account opening system shown in FIG. Various banking servers (e.g., an Internet banking server, a wireless banking server, a telebanking server, a home banking server) operating the deposit (or savings) account in connection with an opening server or the financial system shown in FIG. , A TV banking server, etc.), or a separate server provided to achieve the deposit (or savings) operation provided by the real product as a prepayment, and the present invention is not limited thereto.

In addition, in FIG. 15, the deposit (or savings) account management server 110 functions to operate the deposit (or savings) account in connection with the financial system, and the storage information stored in the storage medium 1535. While periodically checking the shown to include all of the functional configuration to achieve the deposit (or savings) operation provided by the real product provided as a prepayment, the present invention is not limited by this, the deposit (or savings) account management server It is apparent that 110 may be made through a separate server (or device) for each functional configuration.

The financial system is a general term of a computer system in which a ledger corresponding to the deposit (or savings) account opened through the deposit (or savings) account opening system shown in FIG. 2 or 9 is provided. At least one window terminal provided at a branch (or branch) of the institution and a predetermined financial network (for example, a branch network), and face to face at least one financial transaction customer through the window terminal. Financial transaction services.

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

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

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

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

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

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

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

Referring to FIG. 15, the financial system opens at least one deposit (or savings) account to at least one financial transaction customer and provides at least one financial transaction service based on the deposit (or savings) account. It is a computer system provided in financial institutions, which is responsible for handling accounting services such as credits, receiving or trusts or foreign exchanges occurring at at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking) provided in the information system to be processed and interconnected between the financial system and at least one other financial system (or payment system), or at least one external communication network. , IC chip based wireless banking, tele banking, TV banking, etc.) Or an external system providing various financial transaction interfaces through at least one common network (e.g., CD common network, financial common network). An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (eg, ledger information, customer information, or management information) required for each function in a component in the financial system. Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one or more deposit (or savings) account to at least one or more financial transaction customers, at least one based on the deposit (or savings) account And a ledger D / B for storing at least one ledger for providing the financial transaction service, wherein the ledger D / B includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. Add at least one ledger information for processing (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

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

The storage medium 1535 includes at least one of the customer information, account information, account attribute information, and payment product information through the deposit (or savings) account opening system shown in FIG. 2 or 9. As a generic term for storage means for storing the storage medium, the storage medium 1535 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B, according to the intention of a person skilled in the art. It is all possible to be provided on at least one banking system.

According to an embodiment of the present invention, the stored information is customer information for opening the deposit (or savings) account through the deposit (or savings) account opening system shown in FIG. 2 or FIG. 9, the deposit (or savings). Responding to the goods paid to the customer by matching the account information corresponding to the account, the account attribute information, the payment amount information for the deposit (or savings) account, the interest amount calculated in correspondence with the contract period information, and the interest rate information It is preferable to include at least one or more payment product information.

The customer information may include personal information (eg, name, resident registration number, address, telephone, etc.) of a customer who opens a predetermined deposit (or savings) account through the deposit (or savings) account opening system shown in FIG. 2 or 9. Number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the customer is affiliated with the deposit (or savings) account opening system corresponding to the customer by subscribing as a financial transaction customer of the financial institution. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system.

The account information includes deposit (or savings) account information corresponding to the deposit (or savings) account opened through the deposit (or savings) account opening system shown in FIG. 2 or FIG. 9, wherein the account information is the deposits. It is preferable to include at least one or more of the account number, the name of the account holder and the like corresponding to the (or savings) account.

The account attribute information includes interest rate (or interest rate) information, payment amount information, and contract term information for the deposit (or savings) account opened through the deposit (or savings) account opening system shown in FIG. It is preferable to comprise at least one or more.

Here, the interest rate (or interest rate) information included in the account attribute information may include at least one of interest rate information according to payment amount information and interest rate information according to contract period information.

The payment product information is based on the interest rate (or interest rate) information, the payment amount information and the contract period information of the deposit (or savings) account opened through the deposit (or savings) account opening system shown in FIG. It is preferable to include at least one or more commodity information, commodity price information, payment date information, customer receipt confirmation information, etc. corresponding to the real goods prepaid to the customer by matching the calculated interest amount.

In addition, the customer receipt confirmation information included in the payment product information preferably comprises at least one or more customer approval information corresponding to the physical goods prepaid to the customer, or a physical goods delivery invoice number.

Referring to Figure 15, the deposit (or savings) account management server 110, at least one to operate the deposit (or savings) account opened through the deposit (or savings) account opening system shown in Figure 2 The interface unit (or interface means) 1500 connecting the customer terminal 1540 and the communication channel for operating the deposit (or savings) account, and from the customer terminal 1540 in association with the interface unit 1500. An information receiver (or information receiving means) 1505 for receiving predetermined deposit (or savings) account usage information for operating the deposit (or savings) account, and based on the received deposit (or savings) account usage information; And a predetermined deposit (or savings) account operating unit (or deposit (or savings) account operating means) 1510 for operating the deposit (or savings) account in association with the financial system. , The deposit in accordance with the intention of those skilled in the art (or savings) account management unit 1510, and more details can be made of at least two or more functional component (or means), to which the present invention is not limited.

According to an embodiment of the present invention, when the customer terminal 1540 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1500 may be configured based on the protocol stack defined in the communication network. At least one information (or data) for connecting the employee terminal and a predetermined communication channel and operating the employee terminal and the deposit (or savings) account using a communication protocol defined in the financial transaction program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving.

According to another exemplary embodiment of the present invention, when the customer terminal 1540 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1500 is based on the protocol stack defined in the wired communication network. At least one connection between the terminal 1540 and a predetermined communication channel, and the wired terminal and the deposit (or savings) account by using a communication protocol defined in a financial transaction program included in the customer terminal 1540. It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1540, the interface unit 1500 may be connected to the client terminal 1540 based on the TCP / IP protocol. Connect a communication channel and use a HTPP protocol defined in the browser program to designate a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information (or HTML) for operating the deposit (or deposit) account. Communication interface for transmitting and receiving data).

Alternatively, when the customer terminal 1540 is provided with a predetermined financial transaction program directly interworking with the deposit (or savings) account management server 110, the interface unit 1500 is based on the TCP / IP protocol. A communication interface connects a communication channel with the customer terminal 1540 and transmits and receives information (or data) for operating the deposit (or savings) account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1540 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1500 may be configured based on the protocol stack defined in the wireless communication network. At least one or more information (or at least one piece of information) for operating the deposit (or savings) account using a communication protocol defined in a financial transaction program included in the customer terminal 1540 and connecting a predetermined communication channel with the customer terminal 1540. It is desirable to provide a communication interface for transmitting and receiving data).

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal 1540, the interface unit 1500 may be configured based on the CDMA / WCDMA protocol. A predetermined web page (eg, a Wireless Markup Language (WML) compatible web page) for connecting the communication channel with the communication channel and operating the deposit (or savings) account using the WAP / ME protocol defined in the browser program. Or an HTML compatible web page) or an interface for transmitting and receiving information (or data).

Alternatively, when the customer terminal 1540 is provided with a predetermined financial transaction program directly interworking with the deposit (or savings) account management server 110, the interface unit 1500 is based on the CDMA / WCDMA protocol. A communication interface connects a communication channel with the customer terminal 1540 and transmits and receives information (or data) for operating the deposit (or savings) account using a communication protocol defined in the financial transaction program.

The information receiving unit 1505 receives predetermined deposit (or savings) account usage information for operating the deposit (or savings) account from the customer terminal 1540 in connection with the interface unit 1500. The received deposit (or savings) account usage information is provided to the deposit (or savings) account manager 1510.

The deposit (or savings) account manager 1510 performs various financial transaction procedures for the deposit (or savings) account in connection with the financial system based on the received deposit (or savings) account usage information. It features.

In accordance with an embodiment of the present invention, deposit transaction request information (eg, a predetermined deposit transaction amount and withdrawal account information from which the amount is withdrawn) is added to the deposit (or deposit) account usage information. If included, the deposit (or deposit) account management unit 1510 performs a deposit transaction procedure for the deposit (or deposit) account in connection with the financial system based on the deposit (or deposit) account usage information. Preferably, the deposit transaction details are preferably recorded in the ledger corresponding to the deposit (or savings) account.

According to another embodiment of the present invention, withdrawal transaction request information (for example, a withdrawal transaction amount and withdrawal from the deposit (or savings) account) for the deposit (or savings) account in the deposit (or savings) account usage information. If the amount of the deposit includes the deposit account information), the deposit (or savings) account management unit 1510 is linked to the financial system based on the deposit (or savings) account usage information based on the deposit (or savings) It is preferable to carry out a withdrawal transaction (or transfer transaction) procedure for the account, and it is preferable to record the withdrawal transaction details in the ledger corresponding to the deposit (or deposit) account.

In addition, the deposit (or savings) account management unit 1510 periodically checks the amount deposited in the deposit (or savings) account, according to the interest rate (or yield) corresponding to the deposit (or savings) account Calculate interest (or proceeds) on the deposit amount, deposit the calculated interest (or proceeds) into the deposit (or deposit) account, and deposit the interest (or proceeds) deposit details on the deposit (or deposit) account; It is desirable to record in the ledger corresponding to

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

Referring to Figure 15, the deposit (or savings) account management server 110, the deposit (or savings) provided by a predetermined real goods for the management of deposits (or savings), the deposit due (in conjunction with the financial system) (or A deposit (or savings) account confirmation unit (or deposit (or savings) account checking means) 1515 for verifying account information corresponding to an account; and the deposit (or savings) due to which the maturity is reached in connection with the financial system. It is characterized in that it comprises a deposit (or savings) account operating unit 1510 for repaying the principal of the account to the customer.

The deposit (or savings) account checking unit 1515 confirms at least one or more deposits (or savings) accounts that arrive at the expiration date from the ledger in conjunction with the financial system, and the deposit (or savings) for which the maturity is confirmed. Characterizing the account information corresponding to the account is characterized in that.

When the account information confirming the maturity date is confirmed by the deposit (or savings) account confirmation unit 1515, the deposit (or savings) account management unit 1510 is based on the confirmed account information In connection with the system, the principal of the deposit (or savings) account that has reached maturity is treated as a repayment and repaid to the customer.

According to the exemplary embodiment of the present invention, when the account information stored in the storage medium 1535 includes predetermined customer account information for repayment of the principal, the deposit (or savings) account manager 1510 may include a financial system. It is preferable to transfer the deposit (or savings) account principal to the customer account in repayment.

Referring to FIG. 15, the deposit (or savings) account operation server 110 is connected to the interface unit 1500 for the deposit (or savings) operation in which a predetermined real product is provided as a prepayment, and the customer terminal ( An information receiving unit 1505 for receiving the cancelation request information including predetermined account information of the deposit (or savings) account from 1540, and upon receiving the cancelation request information, in connection with the storage medium 1535 An information checking unit (or information checking means) 1525 for checking account attribute information and payment product information information associated with the account information corresponding to the canceled deposit (or savings) account; and based on the payment product information information Confirm the prepaid interest amount corresponding to the physical product prepaid to the customer, and based on the payment amount and interest rate information (or interest rate) included in the account attribute information, the deposit (or Termination amount calculation unit that checks the actual interest amount and penalty amount for the account, and calculates the overpayment interest amount for the deposit (or savings) account by subtracting the actual interest amount and penalty amount from the prepaid interest amount ( Or a prepayment settlement unit (or prepayment settlement means) 1520 that calculates a predetermined repayment amount by subtracting the overpayment interest amount from the principal of the deposit (or savings) account; And a deposit (or savings) account operating unit 1510 for repaying the settled repayment amount to the customer.

When the customer requests cancellation of the deposit (or savings) account to the deposit (or savings) account management server 110 through a predetermined customer terminal 1540, the information receiving unit 1505 is the interface unit In connection with 1500, characterized in that for receiving the cancellation request information including predetermined account information for the deposit (or savings) account from the customer terminal (1540).

According to another exemplary embodiment of the present invention, the deposit (or savings) account management server 110 may confirm a predetermined deposit (or savings) account requested for termination in connection with the financial system, in which case the It may be omitted that the information receiving unit 1505 receives the cancel request information from the customer terminal 1540.

When the cancellation request information is received through the information receiving unit 1505, the information checking unit 1525 is connected to the storage medium 1535 and the account information corresponding to the deposit cancellation target (or savings) account; Characterized in that the account attribute information and payment product information information stored and linked.

The cancellation amount calculation unit 1530 checks a prepaid interest amount corresponding to the real goods prepaid to the customer based on the confirmed payment product information information, and the payment amount included in the account attribute information. Confirming the actual interest amount for the deposit (or savings) account based on interest rate information (or interest rate), and subtracting the actual interest amount from the prepaid interest amount for the deposit (or savings) account; It is characterized by calculating the overpayment interest amount.

The preliminary interest settlement unit 1520 may calculate a predetermined repayment amount to be repaid to the customer by subtracting the calculated overpayment interest amount from the principal of the deposit (or savings) account.

The deposit (or savings) account manager 1510 repays the repayment amount to the customer by subtracting the overpayment interest amount from the principal of the deposit (or savings) account requested for termination in connection with the financial system. Characterized in that.

According to the exemplary embodiment of the present invention, when the account information stored in the storage medium 1535 includes predetermined customer account information for repayment of the principal, the deposit (or savings) account manager 1510 may include a financial system. In connection with the deposit (or savings) account it is preferable to transfer the calculated repayment amount to the customer account to repay.

16 is a diagram illustrating a principal repayment process when the maturity of the deposit (or savings) for the management of the deposit (or savings) provided by the real goods in accordance with the method of the present invention.

In more detail, FIG. 16 illustrates that the deposit (or savings) account management server 110 shown in FIG. 15 expires in connection with the financial system for the deposit (or savings) operation in which a predetermined real product is provided as a prepayment. It shows a method of confirming account information corresponding to the deposit (or savings) account that has arrived and repaying the principal of the deposit (or savings) account that has expired.

Those skilled in the art to which the present invention pertains can refer to various embodiments of the present invention by referring to or modifying the drawing 16 to infer various implementation methods for checking the maturity of the account in the deposit (or savings) account management server 110. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, in the implementation method illustrated in FIG. 16, the storage (1535) provided in the deposit (or savings) account operating server 110 and the financial system to confirm the expiration date of the physical commodity interest and deposit (or savings) account. However, according to the intention of the person skilled in the art, the process omits the association with the financial system or uses only one storage medium 1535 of the account management server 110 without using both the storage medium 1535 and the DBMS of the financial system. The present invention is not limited thereto.

In addition, in the implementation method shown in FIG. 16, there are various implementation methods such as a wired terminal and a wireless terminal as a method of informing the customer after repayment of principal according to the expiration date of the physical commodity interest and deposit (or savings) account. The present invention is not limited.

Hereinafter, in FIG. 16, the deposit (or savings) account operating server 110 shown in FIG. 15 is referred to as the server for convenience, and the real commodity pre-interest deposit (or savings) is the deposit (or savings). The wired (or wireless) terminal is referred to as ?? terminal.

Referring to FIG. 16, the server checks at least one deposit (or savings) account coming from the ledger at the expiration date in association with the financial system.

If at least one deposit (or savings) account with the expiration date is confirmed from the ledger in association with the financial system at the server (1605), the maturity is linked with the storage medium (1535) at the server. Extract account information corresponding to the confirmed deposit (or deposit) account (1610).

Thereafter, the server processes the principal of the deposit (or savings) account that has reached maturity as a repayment in connection with the financial system and repays it to the customer.

Thereafter, the server transmits the principal repayment details of the deposit (or savings) account that has reached the expiration date (1620).

According to another embodiment of the present invention, the storage medium 1535 is provided in a DBMS on a financial system provided on the deposit (or savings) account management system (or associated with the deposit (or savings) account management system). In this case, the storage medium 1535 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby limiting the present invention. Not.

According to one embodiment of the invention, the storage medium 1535 is provided with (or linked to) an internet banking system, or a telebanking system, or a wireless banking system, or a TV provided on the deposit (or savings) account management system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

Figure 17 shows the process of repaying the overpaid interest amount from the principal in case of the termination of the deposit (or savings) account for the operation of the deposit (or savings) provided by the real goods in accordance with the method of the present invention One drawing.

In more detail, in FIG. 17, when the deposit (or deposit) account management server 110 is requested to cancel a deposit (or deposit) from the wired (or wireless) terminal shown in FIG. In the deposit (or savings) account management server 110 in conjunction with the financial system, to confirm the cancellation of the deposits (or savings), the customer information, account information, account attribute information, stored in the storage medium 1535, The actual interest amount of the deposit (or savings) account is confirmed based on the payment physical goods information, the actual interest amount is subtracted from the prepaid interest amount, and the overpayment interest amount for the deposit (or savings) account is calculated. And a method of repaying the settled repayment amount to the customer by calculating a predetermined repayment amount by subtracting the overpayment interest amount from the principal of the deposit (or savings) account. It is.

Those skilled in the art to which the present invention pertains can refer to various methods for receiving a deposit (or deposit) cancellation request from a terminal by referring to or modifying the drawing 17, but the present invention is inferred from the above It includes all implementation methods and is not limited to the implementation method shown in FIG.

For example, in the implementation method shown in FIG. 17, the deposit (or savings) account management server 110 is linked with the storage medium 1535 provided in the financial system to confirm the cancellation of the real product advance interest deposit (or savings). However, the process may omit the association with the financial system or use only one of the storage medium 1535 of the deposit (or savings) account management server 110 and the DBMS of the financial system, or the deposit ( Alternatively, various methods such as arranging the account management server 110 in the financial system can be inferred, and the present invention is not limited thereto.

In addition, there are various implementation methods such as a wired terminal and a wireless terminal as a method of informing the customer of the principal settlement details according to the termination of the actual product advance interest deposit (or savings) in the implementation method shown in FIG. 17. It is not limited.

Hereinafter, in FIG. 17, the deposit (or savings) account operating server 110 shown in FIG. 15 is referred to as 'server' for convenience, and the real commodity pre-interest deposit (or savings) is ?? deposit (or savings)? ?, Wired (or wireless) terminal is referred to as ?? terminal ??.

In addition, the method of informing the customer of the information after the principal settlement according to the termination of the deposit (or savings) account in the implementation method shown in FIG. 17 includes a wired terminal, a wireless terminal, and the like. This is not limited.

Referring to FIG. 17, when the server receives the cancellation request information including predetermined account information for the deposit (or savings) account from the terminal (1700), the server receives the request from the ledger in association with the financial system. Check the termination deposit (save) account (1705).

If the server does not check for the cancellation of the deposit (saving) account from the ledger in association with the financial system (1710), the server generates predetermined cancellation of the deposit (saving) account error information and transmits it to the terminal ( 1715), the procedure for repaying the overpaid interest amount of the above terminated deposit (or savings) account is settled from the principal.

If the server checks for a termination account (save) from the ledger in association with the financial system (1710), the server corresponds to the target account for termination (or savings) in connection with the storage medium (1535). The account attribute information and the payment product information information stored in association with the account information are extracted. (1720)

Thereafter, the prepaid interest amount corresponding to the real goods prepaid to the customer is extracted based on the payment product information information confirmed by the server (1725).

Thereafter, the server calculates an actual interest amount for the deposit (or savings) account based on the payment amount information and the interest rate information (or the interest rate) included in the account attribute information (1730), and the actual payment amount from the prepaid interest amount. The interest payment amount is subtracted to calculate the overpayment interest amount for the deposit (or savings) account (1735).

Thereafter, the server calculates a predetermined redemption amount to be repaid to the customer by subtracting the calculated overpayment interest amount from the principal of the deposit (or savings) account.

According to the method of the present invention, the advance payment amount of the cleared deposit (or savings) account is subtracted from the actual interest amount of the cleared deposit (or savings) account, and the As one of ordinary skill in the technical field to which the present invention pertains, the payment interest amount is calculated by referring to or modifying the drawing 17. Various implementation methods of calculating the overpayment interest amount (for example, the actual item received by the customer) If the customer is able to cash (or facilitates) the commodity and the customer returns the real commodity, he / she may deduce the real commodity depreciation amount resulting from the depreciation of the returned real commodity from the prepaid interest amount. It will be appreciated that the present invention encompasses all of the inferred practice methods and is not limited to the practice method shown in FIG.

Thereafter, the server repays to the customer the repayment amount obtained by subtracting the overpayment interest amount from the principal of the deposit (or savings) account requested to be terminated in connection with the financial system (1745).

Thereafter, the server transmits the principal repayment history of the deposit (or savings) account requested for termination of the bank (1750).

According to the present invention, a customer who opens a deposit (saving) account that receives a real product as a predecessor has an advantage of saving time by receiving in advance the amount of interest to be received after the expiration of the contract period as a real product desired by the customer.

According to the present invention, the financial institution can generate profits by attracting customers due to the development of new deposit products by providing deposits (savings) provided with the real goods as the predecessor, and provide the interest amount to be paid after maturity as real goods. By increasing the liquidity and reserves of funds in financial institutions, profits from diversification of financial products by providing real goods instead of interest amounts (e.g., by intermediating role of real goods providers and consumers and even advertising) There is an advantage of raising the brokerage fee of the product, the effect of earning also combined with advertising fees.

Claims

When opening a predetermined deposit (or savings) account, an account including predetermined customer information at the predetermined information receiving means, interest rate (or interest rate) information, payment amount information, and contract term information for the deposit (or savings) account. Receive predetermined physical commodity selection information corresponding to the interest amount to be paid to the customer at the maturity date of the deposit (or savings) account based on the attribute information, the interest rate (or interest rate) information, the payment amount information, and the contract term information. Doing;

Opening a predetermined deposit (or savings) account including the account attribute in a predetermined account opening means;

Storing information in a predetermined storage medium by linking the account information corresponding to the deposit (or savings) account with the account attribute information and the predetermined payment product information corresponding to the real product selection information in a predetermined information storage means;

If a cancellation is requested from the customer before the expiration date of the deposit (or savings) account, the interest rate (or interest rate) information and the payment amount of the deposit (or savings) account in connection with the storage medium in a predetermined information checking means; Confirming account attribute information including payment information and contract term information and payment product information;

Confirm a prepaid interest amount corresponding to the payment product information in a predetermined cancellation amount calculation means, check the actual interest amount and the penalty amount at the time of the termination based on the account attribute information, and the actual interest amount from the prepaid interest amount Calculating the interest payment amount by subtracting the penalty amount;

Depositing the prepaid interest payment of a physical commodity, comprising: calculating a predetermined repayment amount by subtracting the overpayment interest amount from the principal deposited in the deposit (or savings) account in a predetermined interest settlement means; (Or savings) how your account works.

The method of claim 1,

Real when the deposit (or savings) account maturity, reimburse the customer the principal deposited in the deposit (or savings) account in a predetermined deposit (or savings) account operating means; A method of operating a deposit (or savings) account through the payment of product interest.

A recording medium comprising a program for executing the method of claim 1.

When opening a predetermined deposit (or savings) account, predetermined customer information, account attribute information including interest rate (or interest rate) information, payment amount information, and contract term information for the deposit (or savings) account, and the interest rate Information receiving means for receiving predetermined physical goods selection information corresponding to an interest amount to be paid to the customer at the maturity date of the deposit (or savings) account based on the interest rate information, the payment amount information, and the contract term information;

Account opening means for opening a predetermined deposit (or savings) account including the account attribute;

Information storage means for storing the account information corresponding to the deposit (or savings) account, the account attribute information, and the predetermined payment product information corresponding to the real product selection information in a predetermined storage medium;

If the termination is requested from the customer before the expiration date of the deposit (or deposit) account, the interest rate (or interest rate) information, payment amount information and contract period information for the deposit (or deposit) account in connection with the storage medium; Information confirmation means for confirming the account attribute information and payment product information to be included;

Confirm the prepaid interest amount corresponding to the payment product information, check the actual interest amount and the penalty amount at the time of termination based on the account attribute information, and subtract the interest amount by subtracting the actual interest amount and the penalty amount from the prepaid interest amount. Termination amount calculation means for calculating an amount; And

Deposits (or deposits) through real goods advance interest payments, characterized in that it comprises a; prepayment means for calculating a predetermined repayment amount by subtracting the overpayment interest amount from the principal deposited in the deposit (or savings) account Account management system.

The method of claim 4, wherein

When a deposit (or savings) account expires, a pre-payment of physical commodity, characterized in that it comprises a deposit (or savings) account operating means for repaying the principal deposited in the deposit (or savings) account to the customer. Deposit (or deposit) account management system.