KR20080006508A - System for processing information - Google Patents

Abstract

A system for processing information is provided to offer a customer satisfaction service by selecting target customers among banking customers based on banking customer information accumulated in the banking facility, receiving approval for providing the service from the target customers, and enabling a preferred company to provide goods to the target customer. An information poster posts information of the customers, who approves of posting the customer information to a website, to the website. A customer information provider provides a webpage posting the customer information to an information providing client. An information processor stores the information received from the information providing client by linking with the customer information or transmits the provided information to a communication tool of the customer when the information providing client provides the information to more than one customer by referring to the customer information posted in the webpage.

Description

System for Processing Information

1 is a diagram illustrating a customer registration system for a customized customer impression service among financial transaction customers according to an embodiment of the present invention.

2A and 2B are diagrams illustrating configurations of customized customer impression service target customer registration information according to an exemplary embodiment of the present invention.

3A and 3B are diagrams illustrating a customer registration process subject to customized customer impression service according to an embodiment of the present invention.

4 is a diagram illustrating a customer approval system for a customized customer impression service using a window terminal-based financial transaction according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a concept of classifying and storing customer information obtained by a window terminal-based financial transaction according to a method according to an embodiment of the present invention.

6 is a diagram illustrating a customer approval process for providing a customized customer impression service during a window terminal-based financial transaction according to an embodiment of the present invention.

7 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a window terminal-based financial transaction according to an embodiment of the present invention.

8 is a diagram illustrating a customer approval process for providing a customized customer impression service during a window terminal based financial transaction according to another embodiment of the present invention.

9 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a window terminal-based financial transaction according to another embodiment of the present invention.

10 is a diagram illustrating a customer approval system for a customized customer impression service using a financial terminal-based financial transaction according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a concept of classifying and storing customer information obtained by a financial terminal based financial transaction according to an embodiment of the present invention by category.

12 is a diagram illustrating a customer approval process for providing a customized customer impression service during a financial terminal based financial transaction according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a financial terminal based financial transaction according to an embodiment of the present invention.

14 is a diagram illustrating a customer approval process for providing a customized customer impression service during a financial terminal based financial transaction according to another embodiment of the present invention.

15 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a financial terminal based financial transaction according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a customer approval system for a customized customer impression service using an internet banking-based financial transaction according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating a concept of classifying and storing customer information obtained by Internet banking based financial transaction according to an embodiment of the present invention by category.

18 is a diagram illustrating a customer approval process for providing a customized customer impression service during an internet banking-based financial transaction according to an embodiment of the present invention.

19 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during an internet banking-based financial transaction according to an embodiment of the present invention.

20 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during an internet banking-based financial transaction according to another embodiment of the present invention.

FIG. 21 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during an internet banking based financial transaction according to another embodiment of the present invention.

22 is a diagram illustrating a method of attaching an electronic signature to customer approval information in a client terminal according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating a method of confirming an electronic signature attached to customer approval information in a customer approval server according to an embodiment of the present invention.

24 is a diagram illustrating a method for encrypting and transmitting customer approval information in a symmetric key (or secret key) method in a client terminal according to an embodiment of the present invention.

FIG. 25 is a diagram illustrating a method of decrypting customer approval information encrypted and received at a customer approval server by a symmetric key (or secret key) method according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a method for encrypting and transmitting customer approval information in a public key infrastructure structure in a client terminal according to an embodiment of the present invention.

FIG. 27 illustrates a method for decrypting customer approval information encrypted and received by a customer approval server according to an embodiment of the present invention using a public key infrastructure.

28 is a diagram illustrating a method of encrypting and transmitting customer approval information in an electronic envelope method in a client terminal according to an embodiment of the present invention.

29 is a diagram illustrating a method of decrypting customer approval information encrypted and received by a customer approval server according to an embodiment of the present invention by an electronic envelope method.

30 is a diagram illustrating a method for encrypting and transmitting customer approval information in a key exchange method in a client terminal according to an exemplary embodiment of the present invention.

31 is a diagram illustrating a method of decrypting customer approval information encrypted and received by a customer approval server according to an embodiment of the present invention by a key exchange method.

32 is a diagram illustrating a customer approval system for a customized customer impression service using a wireless banking-based financial transaction according to an embodiment of the present invention.

FIG. 33 is a diagram illustrating a concept of classifying and storing customer information obtained through a window terminal-based financial transaction according to an embodiment of the present invention by category.

34 is a diagram illustrating a customer approval process for providing a customized customer impression service during a wireless banking based financial transaction according to an embodiment of the present invention.

35 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a wireless banking based financial transaction according to an embodiment of the present invention.

FIG. 36 is a view illustrating a process of storing customer information for providing a customized customer impression service during a wireless banking based financial transaction according to another embodiment of the present invention.

FIG. 37 is a view illustrating a process of storing customer information for providing a customized customer impression service during a wireless banking based financial transaction according to another embodiment of the present invention.

38 illustrates a method of attaching an electronic signature to customer approval information in a wireless terminal according to an embodiment of the present invention.

39 is a diagram illustrating a method of confirming an electronic signature attached to customer approval information in a customer approval server according to an embodiment of the present invention.

40 is a diagram illustrating a method for encrypting and transmitting customer approval information by a symmetric key (or secret key) method in a wireless terminal according to an embodiment of the present invention.

FIG. 41 is a diagram illustrating a method of decrypting customer approval information encrypted and received at a customer approval server by a symmetric key (or secret key) method according to an embodiment of the present invention.

FIG. 42 is a diagram illustrating a method for encrypting and transmitting customer approval information in a public key infrastructure structure in a wireless terminal according to an embodiment of the present invention.

43 is a diagram illustrating a method of decrypting customer approval information encrypted and received by a customer approval server according to an embodiment of the present invention using a public key infrastructure.

44 is a diagram illustrating a method for encrypting and transmitting customer approval information in an electronic envelope method in a wireless terminal according to an embodiment of the present invention.

45 is a diagram illustrating a method of decrypting customer approval information encrypted and received by a customer approval server according to an embodiment of the present invention by an electronic envelope method.

46 is a diagram illustrating a method for encrypting and transmitting customer approval information in a key exchange method in a wireless terminal according to an embodiment of the present invention.

FIG. 47 is a diagram illustrating a method of decrypting customer approval information encrypted and received by a customer approval server according to an embodiment of the present invention using a key exchange method.

48 is a diagram illustrating a company (or company) customer registration system that will provide a customized customer impression service to at least one financial transaction customer according to an embodiment of the present invention.

49A and 49B are diagrams illustrating a configuration of a company (or company) customer registration information for providing a customized customer impression service to at least one financial transaction customer according to an embodiment of the present invention.

50A and 50B illustrate a process of registering a customer (or company) customer to provide customized customer service according to an embodiment of the present invention.

FIG. 51 is a company (or company) subscription induction system for allowing a company (or company) customer to subscribe to a customized customer impression service offering target for at least one or more financial transaction customers during a window terminal-based financial transaction according to an embodiment of the present invention. Figure is shown.

FIG. 52 is a diagram illustrating a process of inducing a customer (or company) customer to subscribe to a customized customer impression service target during a window terminal-based financial transaction according to an embodiment of the present invention.

FIG. 53 is a diagram illustrating a company (or company) subscription induction system for allowing a company (or company) customer to subscribe to a customized customer impression service providing target to at least one or more financial transaction customers during a financial terminal based financial transaction according to an embodiment of the present invention. Figure is shown.

FIG. 54 is a diagram illustrating a process of inducing a company (or company) customer to subscribe to a customized customer impression service target during a financial group-based financial transaction according to an embodiment of the present invention.

FIG. 55 is a diagram illustrating a company (or company) subscription induction system for allowing a customer (or company) customer to subscribe to a customized customer impression service providing target to at least one or more financial transaction customers during an internet banking-based financial transaction according to an embodiment of the present invention. Figure is shown.

FIG. 56 is a diagram illustrating a process of encouraging a customer (or company) customer to subscribe to a personalized customer service providing target during an internet banking-based financial transaction according to an embodiment of the present invention.

FIG. 57 is a diagram illustrating a company (or company) subscription induction system for allowing a customer (or company) customer to subscribe to a customized customer impression service providing target to at least one or more financial transaction customers during a wireless banking-based financial transaction according to an embodiment of the present invention. Figure is shown.

FIG. 58 is a diagram illustrating a process of encouraging a customer (or company) customer to subscribe to a personalized customer service providing target during a wireless bank-based financial transaction according to an embodiment of the present invention.

FIG. 59 is a diagram illustrating an information registration system for registering a customer (or company) customer as a target for providing a customized customer service according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial system 105: account

110: information system 115: external system

120: interface module 125: customer registration server

130: customer register 135: ledger reader

140: customer confirmation

* 400: Customer approval server 405: Information receiver

410: information extraction unit 415: customer approval unit

420: information storage unit

The present invention provides information posting means for posting the customer information of the information posting approval customers on the website, customer information providing means for providing a web page with the customer information posted to the information providing client and the information providing client posted on the bulletin board When the predetermined information is provided to the at least one customer with reference to the provided customer information, the information processing means for storing the provided information in association with the customer information, or transmitting the provided information to the communication means of the customer, An information processing system is included.

Conventional customer-tailored services based on customer information, in a strict sense, are merely information marketing using customer information, not customer-customization, and customers want to use their own information rather than receiving personalized services. It was only a marketing target for companies.

That is, a company (or company) that holds customer information recalls the customer information irrespective of the customer's intention to generate a predetermined profit from the customer information (or by using a semi-mandatory means of agreement). The data warehouse (DW) is composed by converting one-to-one according to the marketing strategy of the company (or company), and from the configured data warehouse to the marketing target corresponding to the marketing strategy of the company (or company). At least one corresponding customer information was extracted, and at least one additional service corresponding to the marketing strategy of the company (or company) was unilaterally provided in the name of a customized service based on the extracted customer information.

That is, in order to provide a truly customized service, and moreover, a service that the customer is impressed, first, the customer must explicitly agree to receive the customized service, and second, the service to be provided to the customer is uniform. Instead, it should be tailored to the characteristics and tastes of each customer. Third, there should be no inconvenience in using the service provided to the customer. In particular, the process of explicitly agreeing that the customer is provided with the personalized service should be an autonomous agreement that the customer directly determines and decides, not an implicit consent made by the customer information registration process, such as agreement. .

However, in the case of a conventional general company (or company) that holds customer information, among the above customized service requirements, first, it is not easy to obtain explicit consent for the customized service, or the cost is high. There is a lot of problems.

In other words, unless the customer is periodically provided with the service provided by the company (or company), the company (or company) informs the customer whether the customized service is provided and expressly consents to the service. Acquiring includes a difficult problem, and if the company (or company) tries to proactively inform the customer of whether the customer is provided with the customized service based on the customer information, it costs much time and money, The rate at which the customer agrees to the customized service also includes a problem that can be significantly lower.

In addition, secondly, if the service to be provided to the customer is not uniform and is adapted to the characteristics and tastes of each customer, the customer information may include various customer details in addition to the personal information (eg, name, name, address, etc.) of the customer. The customer details are accumulated by frequent transactions (or contacts) of the customer (or company) and the customer. However, in the case of a conventional customer information company (or company), even if the transaction (or contact) with the customer is limited to only once or occurs more than once, the generation cycle is very long, so that the reliable customer detailed information Is difficult to accumulate, and thus a conventional customer information company (or company) includes a problem that is difficult to grasp the characteristics and tastes of the customer.

In addition, in the case of a company (or company) having a conventional customer information, the company (or company) wants to provide a customized service directly to the customer, in which case the service provided to the customer is provided by the company (or company). As a result, the service provided to the customer is uniform, or a service that does not match the characteristics and tastes of each customer is inevitably provided.

In addition, third, in order to eliminate the inconvenience of using the service provided to the customer, it is necessary to minimize the information that the customer must input (or select) until payment and completion at the start of the customized service, but the conventional customer In the case of the information holding company (or company), a complicated and inconvenient problem is included, such as the need to display a separate payment screen for the customized service.

An object of the present invention is an information posting means for posting the customer information of the information posting approval customers on the website, the customer information providing means for providing a web page with the customer information posted to the information providing client and the information providing client to the bulletin board Information processing means for providing predetermined information to at least one or more customers by referring to the customer information posted in the above, storing the provided information in association with the customer information, or transmitting the provided information to the communication means of the customer. In providing an information processing system comprising a.

The information processing system according to the present invention includes information posting means for posting customer information of information posting approved customers on a website, customer information providing means for providing a web page on which the customer information is posted to an information providing client, and the information providing. When the client provides predetermined information to at least one customer by referring to the customer information posted on the bulletin board, the client stores the provided information in association with the customer information, or transmits the provided information to the communication means of the customer. Characterized in that it comprises an information processing means to.

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 based on the contents throughout the present title.

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 diagram illustrating a customer registration system for a customized customer impression service among financial transaction customers according to an embodiment of the present invention.

In more detail, FIG. 1 is a view illustrating an implementation method of a service target customer registration system for selecting and registering at least one or more service target customers who will provide customized customer impression services according to the present invention among a plurality of financial transaction customers. Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 1 to provide a variety of service target customer registration systems for selecting and registering at least one or more service target customers to provide customized customer service. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

A financial institution is characterized by having a predetermined financial system 100 for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer.

The financial system 100 provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 100 includes at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution At least one financial terminal provided in at least one or more other financial institutions (and / or other financial institution branches) affiliated with, and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 100 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 100 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, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 100 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, and based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server At least one through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to the above financial transaction customers.

In addition, the financial system 100 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 100 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 100 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial system 100 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As a computer system, an accounting system 105 that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or a window), and processes the headquarters business, supports branch information, and manages customer information. Interconnection between the information system 110 and the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one non-face-to-face provided in at least one external communication network. In financial means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, home banking, telebanking, TV banking, etc.) Access to the financial system 100, and / or is provided with an external system 115 to provide a variety of financial transaction interface through at least one common network (eg, CD common network, financial common network) In addition, the financial system 100 may include an interface module 120 corresponding to a middleware platform that provides inter-component interfacing between the components of the financial system 100, and a component of each of the components within the financial system 100. Predetermined information required for the performance (e.g., ledger information, and / or management information, and / or customer relationship management (CRM) acquired by the financial institution in processing a financial transaction to the financial transaction customer; A DBMS (DataBase Management System) including at least one database for storing and managing information). It features.

In addition, the financial system 100 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 100 and the purpose of the financial system 100. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 100, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 100, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 100. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the financial system 100 selects at least one service target customer to provide a customized customer impression service according to the present invention among a plurality of financial transaction customers for the financial institution. A ledger reading unit 135 for accessing B and reading a customer ledger (and / or at least one or more additional information associated with the customer ledger) among a plurality of financial transaction customers, and reading the ledger reading result. On the basis of the customer confirmation unit 140 to confirm whether the customer corresponding to the customer ledger is a service target customer that can be provided with the customized customer impression service, and if the customer confirmation result is confirmed as the target customer service, the customer ledger ( And / or a predetermined database associated with the customer ledger), in which the customer is provided with the customized customer service. A given customer registration server 125 is made, including customer registration unit 130 for storing the service receiving client property to check is provided.

In FIG. 1 according to a preferred embodiment of the present invention, the customer registration server 125 is illustrated as a predetermined server provided outside the financial system 100. However, the present invention is not limited thereto, and the customer registration is not limited thereto. The server 125 is a predetermined server provided in the financial system 100 for registering the service target customer according to the present invention, and / or a predetermined ledger server further provided with the service target customer registration function according to the present invention. Or a program recorded in a recording medium provided in the ledger server to provide a service target customer registration function according to the present invention), and / or the information system 110 further provided with a service target customer registration function according to the present invention. (Or a program recorded on a recording medium provided in the information system 110 to provide a service target customer registration function according to the present invention). The present invention is not limited thereby.

In addition, the customer registration server 125 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to implement in a program, by which the present invention is not limited.

The ledger reading unit 135 accesses the ledger D / B on the DBMS provided in the financial system 100, and the customer ledger and the customer ledger for a specific customer among a plurality of customer ledgers stored in the ledger D / B. Extracting at least one ledger information relationally linked and / or at least one additional information relationally linked to the customer ledger (and / or ledger information), and reading the extracted ledger information and additional information The reading result is characterized in that it is provided to the customer identification unit 140.

According to the implementation method of the present invention, the customer ledger basically includes customer information and financial transaction related information for the financial transaction customer, contact information, branch information, country code information, region code for the financial transaction customer Information, group code information, postal code information, limit information by CIF (Customer Information File), financial institution transaction status information, major shareholder information, financial information, cash flow information, follow-up management information, temporary checking base information, profitability analysis Preferably, the information is linked to the additional information including at least one of information and the like, and at least one receiving ledger (and / or account ledger) for processing the receiving business of the financial transaction customer is associated with the customer ledger. At least one mortgage ledger for relational linkage and / or processing of the customer's credit business ( And / or loan ledger) is preferably linked to the customer ledger.

Therefore, the ledger reading unit 135 is a relation between the customer ledger for a specific customer from the ledger D / B, and the customer ledger to select at least one service target customer to provide a customized customer service according to the present invention Extracting at least one additional information linked to the client, and / or at least one ledger information (eg, a reception ledger, and / or a security ledger, etc.) relationally associated with the customer ledger, and relationally linked with the ledger information. Characterized in that the extracted at least one additional information, the customer identification unit 140 corresponds to the criteria for selecting at least one or more service target customers to provide a customized customer service according to the invention Characterized in that for reading each information item.

For example, when the customer identification unit 140 identifies at least one or more service target customers to provide the customized customer impression service based on the fund contribution rate of the customer, the ledger reading unit 135 may be configured as the customer ledger (and And / or at least one additional information associated with the customer ledger, and / or at least one or more ledger information associated with the customer ledger, and at least one or more additional information associated with the ledger information for identifying the fund contribution rate ( For example, profitability analysis information associated with the customer ledger is read, and then the ledger reading result is provided to the customer confirmation unit 140.

Alternatively, when the customer identification unit 140 confirms at least one or more service target customers to provide the customized customer impression service based on the size of the customer's assets, the ledger reading unit 135 is the customer ledger (and / Or at least one additional information associated with the customer ledger, and / or at least one or more general ledger information associated with the customer ledger, at least one or more additional information associated with the ledger information) Information (eg, at least one or more reception ledger information associated with the customer ledger) is read, and then the ledger reading result is provided to the customer confirmation unit 140.

Alternatively, when the customer identification unit 140 confirms at least one or more service target customers to provide the customized customer impression service based on the cash flow of the customer, the ledger reading unit 135 is the customer ledger ( And / or at least one additional information associated with the customer ledger, and / or at least one ledger information associated with the customer ledger, or at least one additional information associated with the ledger information). The identification information (for example, cash flow information associated with the customer ledger) is read, and the ledger reading result is then provided to the customer verification unit 140.

Alternatively, when the customer identification unit 140 confirms at least one or more service target customers to provide the customized customer impression service based on the branch of the customer, the ledger reading unit 135 is the customer ledger (and / Or information identifying the sales office of the customer from at least one or more additional information associated with the customer ledger, and / or at least one or more ledger information associated with the customer ledger, or at least one or more additional information associated with the ledger information) For example, the branch office information associated with the customer ledger) is read, and the ledger reading result is then provided to the customer confirmation unit 140.

Those skilled in the art to which the present invention pertains, in addition to the above-described information, each of the information items (eg, gender, address, age, Etc.), the ledger reader 135 may include at least one additional information associated with the customer ledger (and / or the customer ledger), and / or at least one ledger information associated with the customer ledger, Various embodiments of reading at least one additional information associated with the ledger information may be inferred, and the present invention is not limited thereto.

For example, when the customer verification unit 140 includes all financial transaction customers who have opened a predetermined financial account at the financial institution in the service target customer to provide customized customer impression service, the ledger reader 135 may Omitting to read a customer ledger (and / or at least one or more additional information associated with the customer ledger, and / or at least one or more ledger information associated with the customer ledger, at least one or more additional information associated with the ledger information) is omitted The present invention is not limited thereto.

According to another embodiment of the present invention, the ledger reader 135 customizes the financial transaction customer corresponding to the customer ledger on the customer ledger (and / or in a predetermined database associated with the customer ledger). It is possible to further include reading whether or not the predetermined service target customer registration information to be included as the service target customer to provide the customer impression service is provided, thereby limiting the present invention.

The customer verification unit 140 checks whether the financial transaction customer corresponding to the customer ledger is included in the service target customer to provide the customized customer impression service based on the ledger reading result of the ledger reading unit 135. It is done.

According to an embodiment of the present invention, the customer identification unit 140 includes a predetermined reference value to be included in the service target customer for each information item, and corresponds to the customer ledger by comparing the reference value with the ledger reading result. It is desirable to check whether the financial transaction customer is included in the service target customer to provide the customized customer impression service.

For example, when the customer identification unit 140 identifies at least one or more service target customers who will provide the customized customer service based on the fund contribution rate of the customer, the customer who has the fund contribution rate of 80% or more If included in, the customer verification unit 140 corresponds to the customer ledger by checking whether the fund contribution rate contained in the ledger reading result provided from the ledger reading unit 135 is greater than or equal to 80% or less. It is desirable to check whether the financial transaction customer is included in the service target customer to provide the customized customer impression service.

Alternatively, when the customer verification unit 140 identifies at least one or more service target customers who will provide the customized customer service based on the size of the customer's assets, the customer having the asset size of 1 billion won or more When included in, the customer confirmation unit 140 checks whether the customer's assets included in the ledger reading result provided from the ledger reading unit 135 is more than or less than the billion won, the customer ledger It is desirable to confirm whether to include a financial transaction customer corresponding to the service target customer to provide the customized customer impression service.

Alternatively, when the customer verification unit 140 identifies at least one or more service target customers who will provide the customized customer service based on the customer's cash flow size, the customer has an average cash flow of more than 1 million won per month. When included in the service target customer, the customer identification unit 140 is whether the customer's cash flows included in the ledger reading result provided from the ledger reading unit 135 is more than or less than 1 million won per month on average By confirming, it is preferable to check whether the financial transaction customer corresponding to the customer ledger is included in the service target customer to provide the customized customer impression service.

Alternatively, when the customer confirmation unit 140 identifies at least one or more service target customers who will provide the customized customer service based on the customer's branch, the customer whose sales point is located in the domestic metropolitan area If included in the customer confirmation unit 140 checks whether the sales office is located in the domestic metropolitan area based on the information of the sales office included in the ledger reading result provided from the ledger reading unit 135, It is desirable to confirm whether the corresponding financial transaction customer is included in the service target customer to provide the customized customer impression service.

When it is confirmed by the customer confirming unit 140 that the financial transaction corresponding to the customer ledger is included in the personalized customer impression service object, the customer registration unit 130 includes the financial transaction customer as the personalized customer. Generate predetermined service target customer registration information for inclusion in an inspiring service target, include (and / or link) the generated service target customer registration information in the customer ledger, and / or associate with the customer ledger Characterized in that it is stored in a predetermined database.

According to an embodiment of the present invention, the service target customer registration information includes at least one or more information items for including the financial transaction customer in the customized customer impression service, and / or registration state information for the financial transaction customer. It is preferable to include the above, and preferably includes a predetermined CIF number for linking the service target customer registration information with the customer ledger.

According to the present invention, the service target customer registration information stored in the customer ledger through the customer registration unit 130 (and / or linked) and / or stored in a predetermined database associated with the customer ledger, Through the financial system 100 is characterized in that it can be referred to in all financial transactions process based on the ledger.

* That is, since the service target customer registration information is stored (and / or linked) in the customer ledger, and / or stored in a predetermined database associated with the customer ledger, through the financial system 100 Counter-terminal face-to-face financial transactions, and / or financial terminal-based non-face-to-face financial transactions, and / or Internet banking-based non-face-to-face financial transactions, and / or wireless banking-based non-face-to-face financial transactions, and And / or IC chip wireless banking-based non-face-to-face financial transactions, and / or telebanking-based non-face-to-face financial transactions, and / or home banking-based non-face-to-face financial transactions, and / or TV banking-based non-face-to-face financial transactions. It is possible to automatically (or easily) obtain customer approval for the customized customer impression service in at least one financial transaction process of the financial transaction.

2A and 2B are diagrams illustrating a configuration of customized customer impression service target customer registration information according to an exemplary embodiment of the present invention.

In more detail, Figures 2a and 2b include storing (and / or linking) predetermined service target customer registration information generated through the customer registration system shown in Figure 1 in the customer ledger, and / or the As a method of configuring information stored in predetermined customer registration information D / B associated with a customer ledger, specifically, FIG. 2A illustrates an implementation method in which the service target customer registration information is stored in association with the customer ledger. 2b shows an implementation method in which the service target customer registration information is stored in predetermined customer registration information D / B associated with the customer ledger.

One of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention in which the customer registration information for the customized customer impression service is stored by referring to and / or modifying the drawings 2a and 2b. The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

Referring to Figure 2a, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, region classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. However, those skilled in the art to which the present invention pertains, since the contents and features of the information contained in the customer ledger will be clearly understood, detailed description thereof will be omitted for convenience.

In addition, referring to Figure 2a, the customer ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bankbook Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It is relationally processed with a predetermined ledger (or ledger) that includes at least one or more individual interest rate reference and the date of final interest calculation, etc., and the ledger (or ledger) includes account number, withdrawal (months), period ( Number of days), periodic receipt information including at least one term extension, maturity date and target amount, and / or a trust including at least one account number, deposit amount, par value, pension date and number of shares corresponding to the ledger. Receiving information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), combination transaction, date of payment, bank account line, Briefly, transactional information including at least one or more including CIF is processed in relational relations, etc. If one of ordinary skill in the art to which the present invention belongs, the ledger to be processed in relation to the customer ledger is the reception ledger ( It will be clearly understood that other types of ledgers (eg, loan ledgers, collateral ledgers, securities ledgers, remittance ledgers, funds ledgers, customer ledgers, etc.) may also be included in addition to the general ledger). Since at least one or more additional information processed in conjunction with the ledger of the obvious will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, referring to Figure 2a, the customer ledger is financial information, including at least one or more CIF number, year, B / S amount, P / L amount, manufacturing cost amount, financial ratio, and / or CIF number, period, loan Analysis of profitability, including at least one or more of balance, fund contribution rate, credit code, credit balance, credit interest, and / or CIF number, year, cash inflows, cash sales costs, cash flow, cash flows, cash flows Additional information, such as cash flow information, including at least one or more amounts is processed. If the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is the financial information, profitability analysis. In addition to the information and cash flow information, other types of additional information (e.g., contact information for the financial transaction customer, branch information, country code information, area code information, group) Code information, postal code information, limit information per customer information file (CIF), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.) Detailed description thereof will be omitted for convenience.

In this figure 2a according to a preferred embodiment of the present invention, the service target customer registration information for including the financial transaction customer corresponding to the customer ledger in the customized customer impression service object is additional information processed in association with the customer ledger. The service target customer registration information may include a CIF number for linking the service target customer registration information with the customer ledger, and at least one information item for including the financial transaction customer in the customized customer impression service. , And / or at least one registration state information for the financial transaction customer.

Referring to FIG. 2B, the service target customer registration information including at least one information item for including the financial transaction customer in the customized customer impression service, and / or at least one registration state information for the financial transaction customer is described. The service target customer registration information stored in the customer registration information D / B is stored in a predetermined customer registration information D / B by being associated with a CIF number corresponding to the customer ledger, and the customer ledger stored in the ledger D / B. It is characterized in that the relational processing.

The information item included in the service target customer registration information may include at least one additional information associated with the customer ledger and / or at least one ledger information associated with the customer ledger and the ledger information. And at least one information item corresponding to the at least one additional information associated with the financial transaction customer.

The registration state included in the service target customer registration information may be performed through the customer registration service target customer registration process through the customer registration system shown in FIG. It is made, including.

For example, after performing a customer registration service target customer registration process through the customer registration system shown in FIG. 1, if the financial transaction customer is not registered in the custom customer service, registration of the service target customer registration information Status includes "Customer Unregistered".

If, after performing the customer registration process subject to the customized customer impression service through the customer registration system shown in FIG. 1, the financial transaction customer is registered with the customized customer impression service, but fails to obtain approval of the financial transaction customer. In this case, the registration state of the service target customer registration information includes "customer not approved".

In addition, after performing the customer registration service target customer registration process through the customer registration system shown in Figure 1, the financial transaction customer is registered in the custom customer service, and performs a predetermined customer approval process to perform the financial When the approval of the transaction customer is obtained, the registration state of the service target customer registration information is made including "customer approval", and the customized customer impression service according to the present invention has the registration state corresponding to the "customer approval". It is preferable to be provided if.

3A and 3B are diagrams illustrating a customer registration service target customer registration process according to an exemplary embodiment of the present invention.

3A and 3B illustrate a method of implementing a process of storing predetermined service target customer registration information generated through the customer registration system shown in FIG. 1 as shown in FIGS. 2A and 2B. Specifically, FIG. 3A illustrates a process of generating and registering predetermined service target customer registration information, and FIG. 3B illustrates a process of generating and updating predetermined service target customer registration information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b to infer various implementation methods for the customer registration process subject to the customized customer service. The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

3A and 3B, the customer registration server 125 shown in Fig. 1 is referred to as " server " for convenience.

Referring to Figure 3a, the server approaches the N (N = 1) customer ledger on the ledger D / B provided in the DBMS (300a), and read the N (N = 1) customer ledger to the customer Check whether the financial transaction customer corresponding to the ledger is an individual customer or a corporate customer (305a).

If the financial transaction customer corresponding to the customer ledger is a company (or corporate) customer (310a), the server performs an information registration procedure for the enterprise customer.

If the financial transaction customer corresponding to the customer ledger is an individual customer (310a), the server registers a customer associated with the Nth (N = 1) customer ledger (and / or the Nth (N = 1) customer ledger). It is checked whether the predetermined service target customer registration information is stored in the information D / B) (315a).

If the predetermined service target customer registration information is stored in the Nth (N = 1) customer ledger (and / or the customer registration information D / B associated with the Nth (N = 1) customer ledger) (320a) The server accesses the Nth (N = N + 1 = 2) customer ledger (325a), reads the Nth (N = 1) customer ledger, and the financial transaction customer corresponding to the customer ledger is an individual customer. Whether the customer is a corporate customer, and the customer registration information D / B associated with the Nth (N = N + 1 = 2) customer ledger (and / or the Nth (N = N + 1 = 2) customer ledger). ), And repeats the process of checking whether the predetermined service target customer registration information is stored.

On the other hand, if the predetermined customer service information is not stored in the Nth (N = 1) customer ledger (and / or the customer registration information D / B associated with the Nth (N = 1) customer ledger) ( 320a), the server extracts at least one or more information corresponding to at least one or more customer identification information items associated with the Nth (N = 1) customer ledger from the ledger D / B (330a), and extracts at least One or more pieces of information are read to determine whether the financial transaction customer corresponding to the Nth (N = 1) customer ledger is included in the personalized customer impression service object (335a).

If the financial transaction customer is not included in the customized customer impression service object (340a), the server accesses the Nth (N = N + 1 = 2) customer ledger (325a), and the Nth (N = 1 Read the customer ledger to confirm whether the financial transaction customer corresponding to the customer ledger is an individual customer or a corporate customer; and the Nth (N = N + 1 = 2) customer ledger (and / or the Nth (N) = N + 1 = 2) Check whether the predetermined customer service information is stored in the customer registration information D / B associated with the customer ledger, and correspond to the Nth (N = N + 1 = 2) customer ledger. Repeat the process of checking whether the financial transaction customers are subject to the customized customer impression service.

On the other hand, if the financial transaction customer is included in the customized customer impression service object (340a), the server generates predetermined service target customer registration information for the financial transaction customer corresponding to the Nth (N = 1) customer ledger and (345a), the generated service target customer registration information is stored in association with the Nth (N = 1) customer ledger, and / or a predetermined customer registration associated with the Nth (N = 1) customer ledger. The information is stored in the D / B (350a).

The customer registration process for the customized customer impression service as described above is repeatedly performed for all the customer ledgers stored in the ledger D / B (355a).

Referring to FIG. 3b, the server accesses the Nth (N = 1) customer ledger on the ledger D / B provided in the DBMS (300b), reads the Nth (N = 1) customer ledger, and reads the customer. It is checked whether the financial transaction customer corresponding to the ledger is an individual customer or a corporate customer (305b).

If the financial transaction customer corresponding to the customer ledger is an enterprise customer (310b), the server performs an information registration procedure for the enterprise customer.

If the financial transaction customer corresponding to the customer ledger is an individual customer (310b), the server registers a customer associated with the Nth (N = 1) customer ledger (and / or the Nth (N = 1) customer ledger). It is checked whether the predetermined service target customer registration information is stored in the information D / B) (315b).

If the predetermined service target customer registration information is not stored in the Nth (N = 1) customer ledger (and / or the customer registration information D / B associated with the Nth (N = 1) customer ledger) 320b), the server extracts at least one or more information corresponding to at least one or more customer identification information items associated with the Nth (N = 1) customer ledger from the ledger D / B (335b), and extracts at least One or more pieces of information are read to determine whether the financial transaction customer corresponding to the Nth (N = 1) customer ledger is included in the customized customer impression service object (340b).

If the financial transaction customer is not included in the customized customer impression service object (345b), the server approaches the N (N = N + 1 = 2) customer ledger (350b), the N (N = 1) Read the customer ledger to confirm whether the financial transaction customer corresponding to the customer ledger is an individual customer or a corporate customer, and the Nth (N = N + 1 = 2) customer ledger (and / or the Nth (N) = N + 1 = 2) Check whether the predetermined customer service information is stored in the customer registration information D / B associated with the customer ledger, and correspond to the Nth (N = N + 1 = 2) customer ledger. Repeat the process of checking whether the financial transaction customers are subject to the customized customer impression service.

On the other hand, if the financial transaction customer is included in the personalized customer impression service object (345b), the server generates predetermined service target customer registration information for the financial transaction customer corresponding to the Nth (N = 1) customer ledger and (370b), the generated service target customer registration information is stored in association with the Nth (N = 1) customer ledger, and / or a predetermined customer registration associated with the Nth (N = 1) customer ledger The information is stored in the D / B (375b).

On the other hand, if the predetermined target customer registration information is stored in the N (N = 1) customer ledger (and / or the customer registration information D / B associated with the N (N = 1) customer ledger (320b) In operation 325b, the server reads the service target customer registration information to determine whether the financial transaction customer is already included in the customized customer impression service target customer.

If the financial transaction customer is not included in the customized customer impression service target customer (330b), the server reads the extracted at least one or more information and corresponds to the Nth (N = 1) customer ledger. Check whether the transaction customer is included in the customized customer service service target (340b).

If the financial transaction customer is not included in the personalized customer impression service object (345b), the server approaches the N (N = N + 1 = 2) customer ledger (350b), the N (N = 1) Read the customer ledger to confirm whether the financial transaction customer corresponding to the customer ledger is an individual customer or a corporate customer, and the Nth (N = N + 1 = 2) customer ledger (and / or the Nth (N) = N + 1 = 2) Check whether the predetermined customer service information is stored in the customer registration information D / B associated with the customer ledger, and correspond to the Nth (N = N + 1 = 2) customer ledger. Repeat the process of checking whether the financial transaction customers are subject to the customized customer impression service.

On the other hand, if the financial transaction customer is included in the personalized customer impression service object (345b), the server generates predetermined service target customer registration information for the financial transaction customer corresponding to the Nth (N = 1) customer ledger and (370b), the generated service target customer registration information is stored in association with the Nth (N = 1) customer ledger, and / or a predetermined customer registration associated with the Nth (N = 1) customer ledger The information is stored in the D / B (375b).

On the other hand, if the financial transaction customer is included in the customized customer impression service target customer (330b), the server at least one or more customer identification information associated with the N (N = 1) customer ledger from the ledger D / B Extracting at least one information corresponding to the item (335b), and reading the extracted at least one information to change (or update) the service target customer registration information corresponding to the Nth (N = 1) customer ledger; Check (360b).

If the service target customer registration information corresponding to the Nth (N = 1) customer ledger is not changed (or updated) (365b), the server accesses the Nth (N = N + 1 = 2) customer ledger. And (350b) read the Nth (N = 1) customer ledger to determine whether the financial transaction customer corresponding to the customer ledger is an individual customer or a corporate customer, and wherein the Nth (N = N + 1 = 2) The customer ledger (and / or the customer registration information D / B associated with the Nth (N = N + 1 = 2) customer ledger) is stored in the customer ledger, and the predetermined target customer registration information is stored. N = N + 1 = 2) Repeats the process of checking whether the financial transaction customer corresponding to the customer ledger is subject to the customized customer impression service.

If the service target customer registration information corresponding to the Nth (N = 1) customer ledger is changed (or updated) (365b), the server sends a financial transaction corresponding to the Nth (N = 1) customer ledger. Generate predetermined service target customer registration information (370b), store the generated service target customer registration information in association with the Nth (N = 1) customer ledger, and / or the Nth (N = 1) Stored in the predetermined customer registration information D / B associated with the customer ledger (375b).

The customized customer impression service target customer registration process as described above is repeatedly performed for all the customer ledgers stored in the ledger D / B (380b).

4 is a diagram illustrating a customer approval system for a customized customer impression service using a window terminal-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 4 shows a predetermined number of service target customer registration information as shown in FIG. 2A through the customer registration process shown in FIGS. 3A and / or 3B through the customer registration system shown in FIG. And / or stored in a predetermined customer registration information D / B linked to the customer ledger as shown in FIG. 2B, and then made through the financial system 100. In the face-to-face financial transaction process for the financial transaction customer to approve the provision of the customized customer impression service, if the person of ordinary skill in the technical field to which the present invention belongs, refer to and / or Figure 4 Various implementation methods for the financial transaction customer to approve the customized customer impression service in the window terminal-based face-to-face financial transaction process Would have to be inferred, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

The financial system 100 that provides the counter terminal-based face-to-face financial transaction, opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account. It is a computer system provided to financial institutions, which includes an accounting system 105 for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window); An information system 110 that processes customer information management, an interconnection between the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, home Access to the financial system 100 from a king, telebanking, TV banking, etc.) and / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 115, and the financial system 100 may further include an interface module 120 corresponding to a middleware platform that provides interfacing between components in the financial system 100, and the financial system 100. Certain information (eg, ledger information, and / or management information) required for each function in a component in system 100 is obtained while the financial institution processes a financial transaction to the financial transaction customer. And a DBMS comprising at least one database for storing and managing a customer relationship management (CRM) information, etc.). .

In addition, the financial system 100 and the window terminal provided in at least one or more branches (and / or branches) through a predetermined financial network (for example, our network) in order to provide the window terminal-based face-to-face financial transactions; Characterized in that the communication is connected, characterized in that for performing the at least one ledger-based financial transaction procedure for the teller terminal.

Referring to FIG. 4, the customer approval server 400 includes an information receiving unit 405 for receiving predetermined customer approval information from the counter terminal (and / or the customer targeted for the customized customer impression service), and the customer approval information. A customer approval unit 415 which reads and approves the financial transaction customer to provide the customized customer impression service; and, upon approval of the customer, a predetermined information storage medium and / or the counter terminal (and / or the customized customer). An information extraction unit 410 for extracting at least one or more pieces of customer information for the customized customer impression service from the customer approval information provided by the customer; and the extracted customer information by category. And an information storage unit 420 stored in / B.

In FIG. 4 according to a preferred embodiment of the present invention, the customer approval server 400 is illustrated as a predetermined server provided outside the financial system 100, but the present invention is not limited thereto. The server 400 is a predetermined server provided in the financial system 100 for customer approval according to the present invention, and / or a predetermined ledger server further provided with a customer approval function according to the present invention (or according to the present invention). A program recorded in a recording medium provided in the ledger server to provide a customer approval function according to the present invention; and / or the information system 110 (or customer approval according to the present invention) further provided with a customer approval function according to the present invention. Program to be recorded on the recording medium provided in the information system 110 to provide a function, by which the present invention is not limited.

In addition, the customer approval server 400 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to implement in a program, by which the present invention is not limited.

The teller terminal is provided at a branch (and / or branch) of a financial institution corresponding to the financial system 100, and is used as a terminal device used by a teller belonging to the financial institution. It is characterized in that the communication is connected through a financial network (for example, our network).

In the financial transaction process through the window terminal, at least one financial transaction customer visits the branch (and / or branch) to prepare a predetermined financial transaction slip, and a bank account associated with the financial transaction slip and the predetermined financial account. When (and / or card) is submitted to the teller, the teller enters the financial transaction information corresponding to the slip into the teller terminal.

Thereafter, the teller terminal transmits the financial transaction information to the financial system 100 through the financial network, and the financial system 100 receives the financial information through the ledger of the financial transaction customer based on the financial transaction information. After processing the financial transaction corresponding to the transaction information, the financial transaction result is transmitted to the teller terminal through the financial network.

Thereafter, the window terminal outputs the financial transaction result (eg, a screen output and / or a print output) to complete the financial transaction requested by the financial transaction customer.

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the counter terminal for each financial institution, so the detailed description thereof will be omitted for convenience. .

According to the present invention, the financial system 100 in the process of processing the financial transaction corresponding to the financial transaction information transmitted from the window terminal, and transmits the result to the window terminal through the financial network, the financial system 100, the service target customer registration information stored in connection with the customer ledger of the financial transaction customer, and / or the service target customer registration information stored in the predetermined customer registration information D / B linked with the customer ledger. If the registration status of the service target customer registration information corresponds to the "customer unapproved", the predetermined customer approval request information requesting the financial transaction customer to receive the customized customer impression service to the financial transaction result It further comprises a transmission to the teller terminal.

Thereafter, the window terminal requests the approval to receive the customized customer impression service to the financial transaction customer by outputting the customer approval request information together in the process of outputting the financial transaction result.

In the customer approval request process, the teller may verbally explain the details of the customized customer impression service to the financial transaction customer, so that the financial transaction customer may request to approve the customized customer impression service. Thereby, this invention is not limited.

If the financial transaction customer approves the customized customer impression service, the financial transaction customer inputs predetermined customer approval information into the counter terminal.

At this time, the customer approval information (for example, the information entered by the financial transaction customer through the customer approval slip) authenticates that the financial transaction customer is authorized to receive the customized customer impression service, and the non-repudiation ( Nonrepudiation) is characterized in that it comprises a predetermined customer authentication information for obtaining.

According to an embodiment of the present invention, the customer authentication information comprises at least one or more of the signature and / or seal of the financial transaction customer entered in the customer approval slip, and / or the A password (e.g., an account password of the financial transaction customer) input through a predetermined pin pad associated with the teller terminal, and / or a predetermined biometric identifier associated with the teller terminal. Preferably, at least one of biometric information of the financial transaction customer is included.

In addition, the customer approval information (for example, the information entered by the financial transaction customer through the customer approval slip) may further include at least one customer relationship management (CRM) for grasping the hobby, taste, characteristics, etc. of the financial transaction customer. Preferably, the customer relationship management (CRM) information included in the customer approval information (eg, information entered by the financial transaction customer through a customer approval slip) is customized by the customer according to the present invention. It is preferable to correspond to the company (or company) selection information for selecting at least one or more companies (or companies) to receive the service.

Those skilled in the art to which the present invention pertains will be familiar with the detailed information structure of the customer relationship management information corresponding to the hobbies, tastes, and characteristics of the financial transaction customers, the detailed description thereof Omit for convenience.

According to an exemplary embodiment of the present invention, when the financial transaction customer prepares a predetermined customer approval slip for the customized customer impression service, and submits the customer approval slip to the teller, the teller receives the customer approval slip. Predetermined customer approval information (eg, customer authentication information, and / or customer relationship management (CRM) information) included in the window terminal, and the input customer approval information is inputted to the customer approval server through the financial network. Is sent to 400.

According to another embodiment of the present invention, when only the customer authentication information is included in the customer approval information (for example, when the customer relationship management information for the financial transaction customer is omitted), the teller staff of the counter terminal In the state in which the operation mode is changed to a mode in which predetermined customer authentication information input from the financial transaction customer is processed as customer approval information for the customized customer impression service and transmitted to the customer approval server 400, the financial transaction customer Input a predetermined password (e.g., the account password of the financial transaction customer) through a predetermined pin pad associated with the teller terminal, and / or via a predetermined biometric information reader associated with the teller terminal. By inputting biometric information, the customer approval information can be input to the window terminal, and the input customer approval information. Through the financial network and transmitted to said customer authorization server 400. The

According to another exemplary embodiment of the present invention, predetermined customer identification information may be input in response to a customer approval request for the customized customer impression service, wherein the financial transaction customer briefly approves the provision of the customized customer impression service. In this case, the customer approval server 400 receiving the customer identification information includes contact information (eg, a phone number, a mobile phone number, an address, an e-mail address, etc.) of the financial transaction customer included in (or linked to) the customer ledger. ) Provides predetermined information about the customer approval request to the financial transaction customer, and directly receives customer approval information corresponding to the customer approval request information from the financial transaction customer, wherein the contact point of the customer is the customer The financial transaction customer from the teller terminal not included in the ledger but included in the customer identification information. To be able to receive up-to-date contact information, and not limited the invention by this exemplary method.

For example, the customer approval server 400 receiving the customer identification information as described above provides the telephone center and / or mobile phone number of the financial transaction customer to a call center (not shown) provided in the financial institution, thereby providing the call center. Voice call-based customer approval request information may be provided to the financial transaction customer, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

In addition, the customer approval server 400 receiving the customer identification information as described above, by providing the mobile phone number of the financial transaction customer to the financial institution to provide a wireless server (Mobile Server, not shown), through the wireless server The financial transaction customer may provide customer approval request information in the form of a wireless message, and receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In addition, the customer approval server 400 which has received the customer confirmation information as described above is directed to a DM (Direct Mail) dispatch center (not shown) provided with the financial institution's address (or affiliated with). By providing, through the DM sending center it is possible to provide the customer approval request information in the DM form to the financial transaction customer, and to receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In particular, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). Access to a web server (not shown or including the customer approval server 400 when the customer approval server 400 performs a web server function) to provide the customer approval information, and / or the DM type The call using a predetermined voice call terminal (eg, a landline telephone, a wireless telephone, a mobile telephone, etc.) based on a predetermined telephone number included in the customer approval request information. Providing the customer approval information through a mail server, and / or providing the customer approval information through the mail server using a predetermined client terminal based on an e-mail address included in the DM type customer approval request information. All is possible.

In addition, the customer approval server 400, which has received the customer confirmation information, provides the mail address of the financial transaction customer to a predetermined mail server (not shown) provided in the financial institution, thereby providing the mail server. By providing the customer approval request information in the form of e-mail (Email) to the financial transaction customer, and receives predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

The information receiving unit 405 is characterized in that receiving the predetermined customer approval information for providing the customized customer impression service through the financial network from the window terminal, and the intention of the skilled person and / or other implementation of the customer approval Receiving the customer approval information from the financial transaction customer via a predetermined call center, and / or receiving the customer approval information from the financial transaction customer via a predetermined wireless server, and / or sending a predetermined DM. The customer approval information is received from the financial transaction customer through a center, and / or the customer approval information is received from the financial transaction customer through a predetermined mail server.

According to the exemplary embodiment of the present invention, the information receiving unit 405 preferably provides the customer authentication information among the received customer approval information to the customer approval unit 415, and has a predetermined customer relationship to the customer approval information. When management (CRM) information is further included, the customer relationship management information is preferably provided (or extracted) to the information extraction unit 410.

The customer approval unit 415 authenticates the customer authentication information included in the customer approval information, so that authentication, integrity, and denial that the financial transaction customer has approved the provision of the customized customer impression service. It is characterized by securing Nonrepudiation.

According to an embodiment of the present invention, when the customer approval information includes signature and / or seal image data for the financial transaction customer, the customer approval unit 415 may sign the signature and / or seal image of the financial transaction customer. By storing data in a predetermined database (not shown), it is desirable to ensure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

According to another exemplary embodiment of the present invention, when the customer approval information includes a predetermined password (for example, a financial account password of a financial transaction customer) for the financial transaction customer, the customer approval unit 415 may designate a predetermined database. By comparing the password stored in the ledger D / B with the password included in the customer approval information, authentication, integrity, and non-repudiation of the financial transaction customer's approval to provide the customized customer impression service are provided. It is desirable to secure.

According to another embodiment of the present invention, the customer approval information includes predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape and / or DNA) for the financial transaction customer. Biometric information including at least one of Deoxyribo Nucleic Acid) and the like, the customer approval unit 415 stores the biometric information of the financial transaction customer and the biometric information stored in a predetermined biometric information database (not shown). By comparing the biometric information included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

When the financial transaction customer is approved to provide the customized customer impression service by the customer approval unit 415, the information extracting unit 410 may be configured to receive information from the ledger D / B provided in the financial system 100. Extracting at least one customer information corresponding to the customer ledger, and / or extracting at least one customer information corresponding to the customer relationship management information provided on the DBMS, and / or the counter terminal (and / or the Extracting at least one customer information corresponding to customer relationship management (CRM) information (eg, customer relationship management (CRM) information received by being included in the customer approval information) received from a customized customer impression service target customer) It is done.

According to the method of the present invention, the customer information extracted by the information extraction unit 410 is personal information (for example, the name, social security number, age, gender of the financial transaction customer to receive the customized customer service) , Phone number, mobile phone number, address, etc., financial information (eg, a branch (or branch) corresponding to the financial transaction customer), the financial transaction employee, the financial transaction customer's asset size , Investment products, etc. subscribed to by the financial transaction customer, customer relationship management (CRM) information (eg, hobby, taste, characteristics, etc.) of the financial transaction customer, and the financial transaction customer At least one or more anniversary information (for example, birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

When the customer information on the financial transaction customer is extracted by the information extracting unit 410, the information storage unit 420 classifies the customer information of the financial transaction customer by at least one or more categories, and provides predetermined customer information D. / B, the customer information D / B is included on the DBMS provided on the financial system 100, and / or provided on an external network associated with the financial system 100 It is preferably included in a predetermined [DBMS], and / or included in a predetermined [DBMS] provided on an external network which is not associated with the financial system 100.

According to an exemplary embodiment of the present invention, the information storage unit 420 may classify and store the customer information into one or more categories corresponding to the personal information of the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the financial information about the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by a branch (or branch) category, and / or an employee category, an asset scale category, and / or an investment product category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the information storage unit 420 may store the customer information in a hobby category (eg, reading, hiking, fishing, ...), and / or a taste category (eg, favorite sport, color, entertainer, food, clothing, etc.). , ..., etc.), and / or by characteristic category (eg, customer's occupation, single / married, health status, ..., etc.).

Those skilled in the art to which the present invention pertains will clearly understand that the customer information may be classified and stored according to the category of various items in addition to the illustrated categories, and thus the detailed description thereof will be omitted for convenience.

FIG. 5 is a diagram illustrating a concept of classifying and storing customer information obtained through a window terminal-based financial transaction according to an embodiment of the present invention by category.

In more detail, FIG. 5 illustrates that customer information on a financial transaction customer who has approved the provision of the customized customer impression service by the customer approval server 400 shown in FIG. 4 is classified and stored in at least one category. As one of ordinary skill in the art of database technology, one of ordinary skill in the art will clearly understand that the customer information of the financial transaction customer is classified and stored by at least one category.

Referring to FIG. 5, the customer information D / B provided in the DBMS stores the customer information about the financial transaction customer in association with predetermined category information, and stores the customer information about the financial transaction customer by the category information. The customer information for providing a customized head impression service is linked relationally with at least one category D / B.

6 is a diagram illustrating a customer approval process for providing a customized customer impression service during a window terminal-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 6 is a window terminal-based face-to-face financial transaction through a customer approval system shown in FIG. 4 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. As a method of obtaining a customer approval for providing the customized customer service in the process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the customer approval and information storage process for the customized customer impression service target customer may be inferred, but the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, the customer approval server 400 shown in FIG. 4 is referred to as "server" in FIG.

Referring to FIG. 6, when a predetermined financial transaction customer visits a predetermined branch (or branch) of a branch (or branch) of the financial institution, prepares a predetermined financial transaction slip and submits it to the window (600). When an employee inputs predetermined financial transaction information included in the financial transaction slip to the window terminal and transmits the predetermined financial transaction information to the financial system 100 through the financial network (605), the financial system 100 (eg, the financial system). The ledger server provided at 100 processes at least one financial transaction corresponding to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger). A predetermined financial transaction result corresponding to the financial transaction processing is generated 610.

Those skilled in the art will be familiar with the detailed procedures for a given financial transaction customer to visit a window and process at least one financial transaction corresponding to each financial transaction. The detailed description of the counter-terminal face-to-face financial transaction procedure for financial transactions is omitted for convenience.

Thereafter, the financial system 100 is connected to the ledger corresponding to the financial transaction information (for example, the customer ledger corresponding to the financial transaction customer) through the customer registration system shown in FIG. The registration information is confirmed (615).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a financial transaction customer) may be performed by using the customer registration system shown in FIG. It is preferable to include a process of checking whether there is a service target customer registration information that is linked to the ledger through the process, and if the service target customer registration information exists, extracting the service target customer registration information.

If the service target customer registration information associated with the ledger is not confirmed (620), the financial system 100 transmits the generated financial transaction result to the counter terminal through the financial network (625), The window terminal completes the financial transaction processing by receiving the financial transaction result through the financial network and outputting a screen and / or printing the result.

On the other hand, if the service target customer registration information associated with the ledger is confirmed (620), the financial system 100 reads the confirmed service target customer registration information to provide the customized customer impression service to the financial transaction customers It is checked whether or not to request the customer approval (635).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "customer not approved," It is advisable to confirm the request for customer approval for the provision of customized customer service.

If the financial transaction customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the service customer registration information corresponds to "non-registered customer" or "customer approval"). 640), the financial system 100 transmits the generated financial transaction result to the counter terminal through the financial network (625), and the counter terminal transmits the financial transaction result through the financial network. The financial transaction process is completed by receiving the screen output and / or print output (630).

On the other hand, if the financial transaction customer has to request the customer approval for providing the customized customer impression service (for example, if the registration status information included in the service target customer registration information corresponds to "non-approval") (640), the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result and transmits the generated customer approval request information to the window terminal through the financial network (645). While receiving the financial transaction result through a financial network and outputting the screen and / or printing, it is checked whether the financial transaction result includes the customer approval request information (650).

If the financial transaction result includes the customer approval request information (655), the teller terminal requests the financial transaction customer to input predetermined customer approval information corresponding to the customer approval request information (660).

According to the implementation method of the present invention, in the process of requesting the customer approval information, the teller orally explains the details of the customized customer impression service to the financial transaction customer, whereby the financial transaction customer provides the customized customer impression service. It may be requested to approve, and thereby the present invention is not limited.

If the financial transaction customer approves the provision of the customized customer impression service, the financial transaction customer inputs predetermined customer approval information to the counter terminal, wherein the customer approval information (eg, through the customer approval slip) The information entered by the financial transaction customer is characterized in that the financial transaction customer is authorized to receive the customized customer impression service, and includes predetermined customer authentication information for obtaining nonrepudiation.

According to an embodiment of the present invention, the customer authentication information comprises at least one or more of the signature and / or seal of the financial transaction customer entered in the customer approval slip, and / or the A password (for example, an account password of the financial transaction customer) input through a predetermined PIN pad associated with the teller terminal, and / or the biometric information recognizer associated with the teller terminal. It is preferable that the biometric information includes at least one or more biometric information of the customer.

In addition, the customer approval information (for example, information entered by the financial transaction customer through the customer approval slip) may include at least one customer relationship management (CRM) for grasping the hobby, taste, characteristics, etc. of the financial transaction customer. It is preferable to further include.

Those skilled in the art to which the present invention pertains will be familiar with the detailed information structure of the customer relationship management information corresponding to the hobbies, tastes, and characteristics of the financial transaction customers, the detailed description thereof Omit for convenience.

According to an exemplary embodiment of the present invention, when the financial transaction customer prepares a predetermined customer approval slip for the customized customer impression service, and submits the customer approval slip to the teller, the teller receives the customer approval slip. It is preferable to input predetermined customer approval information (eg, customer authentication information, and / or customer relationship management (CRM) information) included in the window terminal.

According to another embodiment of the present invention, when only the customer authentication information is included in the customer approval information (for example, when the customer relationship management information for the financial transaction customer is omitted), the teller staff of the counter terminal When the operation mode is changed to a mode in which predetermined customer authentication information input from the financial transaction customer is processed as the customer approval information for the customized customer impression service and transmitted to the server, the financial transaction customer is connected to the teller terminal. By inputting a predetermined password (e.g., the account transaction password of the financial transaction customer) through a predetermined pinpad associated with it, and / or entering the biometric information of the customer through a predetermined biometric information reader associated with the teller terminal. Preferably, the customer approval information is input to the window terminal.

If it is confirmed that predetermined customer approval information corresponding to the customer approval request information is input to the counter terminal (665), the counter terminal transmits the input customer approval information to the server through the financial network (670). After that, the server performs a customer approval procedure and a customer information storing procedure through the customer approval information as shown in FIG. 7.

7 is a diagram illustrating a customer information storing process for providing a customized customer impression service during a window terminal-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 7 is a window terminal-based face-to-face financial transaction through a customer approval system shown in FIG. 4 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. In the process of acquiring customer approval information for providing the customized customer impression service through the process as shown in FIG. 6, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. 5. A method of performing a process of classifying and storing predetermined customer information for each of at least one or more categories, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. The customer approval and information storage process for the customer Would be able to infer a method embodiment, the present invention includes all embodiments which method the oil weight, is not limited to the exemplary method shown in the figure 7.

Hereinafter, the customer approval server 400 shown in FIG. 4 is referred to as "server" in FIG.

Referring to FIG. 7, when the customer approval information transmitted from the window terminal is received through the financial network through the process as shown in FIG. 6 (700), the server provides a predetermined customer with respect to the received customer approval information. By performing the approval process, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (705).

According to an embodiment of the present invention, when the customer approval information includes signature and / or seal image data for the financial transaction customer, the server may store the signature and / or seal image data of the financial transaction customer in a predetermined database. By storing in (not shown), it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

According to another exemplary embodiment of the present invention, when the customer approval information includes a predetermined password (eg, a financial account password of a financial transaction customer) for the financial transaction customer, the server may have a predetermined database (eg, ledger D). It is desirable to secure the authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service by comparing the password stored in / B) with the password included in the customer approval information. Do.

According to another exemplary embodiment of the present invention, predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) for the financial transaction customer is included in the customer approval information. Biometric information including at least one), the server compares biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with biometric information included in the customer approval information. Therefore, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

If the customer approval for the customized customer impression service is not confirmed (710), the server generates predetermined customer approval error information and transmits it to the teller terminal through the financial network (715), and tailored according to the present invention. The process of storing customer information for providing customer impression service is terminated.

On the other hand, if the customer approval for the customized customer service is confirmed (710), the server extracts at least one customer information corresponding to the financial transaction customer (720).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information (eg, the customer approval) received from the teller terminal (and / or the customer targeted for the customized customer service) Preferably, at least one customer information corresponding to the received customer relationship management (CRM) information included in the information) is extracted.

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (725), the server classifies the extracted customer information by at least one or more categories and stores the predetermined customer information in D / B (730).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

8 is a diagram illustrating a customer approval process for providing a customized customer impression service during a window terminal-based financial transaction according to another embodiment of the present invention.

In more detail, FIG. 8 is a window terminal-based face-to-face financial transaction through a customer approval system shown in FIG. 4 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. As a process for obtaining a customer approval for providing the customized customer service in the process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the customer approval and information storage process for the customized customer impression service target customer may be inferred, but the present invention includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. Not.

Hereinafter, in this figure 8, the customer approval server 400 shown in the figure 4 will be referred to as "server" for convenience.

Referring to FIG. 8, when a predetermined financial transaction customer visits a predetermined branch (or branch) of a branch (or branch) of the financial institution, prepares a predetermined financial transaction slip and submits it to the window (800). When an employee inputs predetermined financial transaction information included in the financial transaction slip to the window terminal and transmits the predetermined financial transaction information to the financial system 100 through the financial network (805), the financial system 100 (eg, the financial system). The ledger server provided at 100 processes the at least one financial transaction corresponding to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger, etc.), and the financial A predetermined financial transaction result corresponding to the transaction processing is generated (810).

Those skilled in the art will be familiar with the detailed procedures for a given financial transaction customer to visit a window and process at least one financial transaction corresponding to each financial transaction. The detailed description of the counter terminal-based face-to-face financial transaction procedure for financial transactions is omitted for convenience.

Thereafter, the financial system 100 is connected to the ledger corresponding to the financial transaction information (for example, the customer ledger corresponding to the financial transaction customer) through the customer registration system shown in FIG. The registration information is confirmed (815).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a financial transaction customer) may be performed by using the customer registration system shown in FIG. It is preferable to include a process of checking whether there is a service target customer registration information that is linked to the ledger through the process, and if the service target customer registration information exists, extracting the service target customer registration information.

If the service target customer registration information associated with the ledger is not confirmed (820), the financial system 100 transmits the generated financial transaction result to the counter terminal through the financial network (825), The window terminal completes the financial transaction processing by receiving the financial transaction result through the financial network and outputting a screen and / or printing it (830).

On the other hand, if the service target customer registration information associated with the ledger is confirmed (820), the financial system 100 reads the confirmed service target customer registration information to provide the customized customer impression service to the financial transaction customer. It is checked whether or not to request the customer approval (835).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "customer not approved," It is advisable to confirm the request for customer approval for the provision of customized customer service.

If the financial transaction customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the service customer registration information corresponds to "non-registered customer" or "customer approval"). 840), the financial system 100 transmits the generated financial transaction result to the window terminal through the financial network (825), and the window terminal receives the financial transaction result through the financial network. In step 830, the financial transaction processing is completed by outputting a screen and / or printing.

On the other hand, if the financial transaction customer has to request the customer approval for providing the customized customer impression service (for example, if the registration status information included in the service target customer registration information corresponds to the "non-approval") (840), the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result, and transmits the generated customer approval request information to the counter terminal through the financial network (845). While receiving the financial transaction result through a financial network and outputting the screen and / or printing, it is checked whether the financial transaction result includes the customer approval request information (850).

If the financial transaction result includes the customer approval request information (855), the teller terminal requests the financial transaction customer to input predetermined customer approval information corresponding to the customer approval request information (860).

According to the implementation method of the present invention, in the process of requesting the customer approval information, the teller orally explains the details of the customized customer impression service to the financial transaction customer so that the financial transaction customer provides the customized customer impression service. It may be requested to approve, and the present invention is not limited thereto.

According to the implementation method of the present invention, when the financial transaction customer approves the provision of the customized customer impression service, the window terminal provides predetermined customer identification information including the informative approval of the provision of the customized customer impression service. In this case, the server receiving the customer identification information is provided through the contact information (eg, phone number, mobile phone number, address, mail address, etc.) of the financial transaction customer included in (or linked to) the customer ledger. Providing predetermined customer approval request information to the financial transaction customer, and directly receiving customer approval information corresponding to the customer approval request information from the financial transaction customer, wherein the contact information of the customer is extracted from the customer ledger And from the counter terminal to the financial transaction customer in the customer identification information. The latest contact information can be received, and the present invention is not limited by such an implementation method.

For example, the server receiving the customer identification information may provide a phone number and / or a mobile phone number of the financial transaction customer to a call center (not shown) provided in the financial institution, thereby providing financial transaction customers through the call center. It provides the voice call-based customer approval request information, and receives the predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In addition, the server receiving the customer identification information as described above, by providing the mobile phone number of the financial transaction customer to the financial institution to provide a wireless server (Mobile Server, not shown), to the financial transaction customer through the wireless server Customer approval request information in the form of a wireless message may be provided, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

In addition, the server receiving the customer identification information as described above provides the address of the financial transaction customer to a DM (Direct Mail) dispatch center (not shown) provided in (or affiliated with) the financial institution. Through the distribution center, the financial transaction customer may be provided with the DM type customer approval request information, and receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In particular, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). A predetermined telephone included in the web server (not shown or including the server when the server performs the web server function) to provide the customer approval information, and / or included in the customer approval request information in the DM form. Based on the number, the customer approval is determined through the call center using a predetermined voice call terminal (eg, a landline phone, a wireless phone, a mobile phone, etc.). It is possible to provide the customer approval information through the mail server, and / or by using a predetermined client terminal based on the mail address included in the customer approval request information in the DM form.

In addition, the server receiving the customer identification information as described above, by providing the mail address of the financial transaction customer to a predetermined mail server (not shown) provided in the financial institution, the financial transaction customer through the mail server The customer approval request information in the form of e-mail may be provided to the customer, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

If it is confirmed that predetermined customer confirmation information corresponding to the customer approval request information is input to the teller terminal (865), the teller terminal transmits the input customer confirmation information to the server through the financial network (870). After that, the server performs a customer approval procedure and a customer information storing procedure through the customer confirmation information as shown in FIG.

9 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a window terminal-based financial transaction according to another embodiment of the present invention.

In more detail, FIG. 9 is a window terminal-based face-to-face financial transaction through a customer approval system shown in FIG. 4 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. In the process of receiving the customer confirmation information for the financial transaction customer through the process as shown in Figure 8, through the at least one customer approval means to obtain the customer approval for providing the customized customer impression service shown in Figure 5 According to the present invention, a method of performing a process of classifying and storing predetermined customer information for providing the customized customer impression service to the financial transaction customer by at least one or more categories is provided. Those skilled in the art may refer to and / or modify this drawing. By way of example, it would be possible to infer various implementation methods for the customer approval and information storage process for the customized customer impression service target customer, but the present invention includes all the implementation methods inferred above, as shown in FIG. It is not limited.

Hereinafter, the customer approval server 400 shown in FIG. 4 is referred to as "server" in FIG.

Referring to FIG. 9, when the customer confirmation information transmitted from the window terminal is received through the financial network through the same process as that of FIG. 8 (900), the server may generate at least one based on the received customer confirmation information. By performing a predetermined customer approval procedure through the customer approval means, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (905).

According to one embodiment of the invention, the customer approval means preferably comprises a call center (not shown) provided in the financial institution, wherein the server receiving the customer confirmation information, the financial transaction customer By providing the phone number and / or mobile phone number of the call center (not shown) provided in the financial institution, provides the voice transaction based customer approval request information to the financial transaction customers through the call center, It is preferable to receive predetermined customer approval information corresponding to the customer approval request information to perform a predetermined customer approval procedure.

Alternatively, the customer approval means is provided in the financial institution and comprises a wireless server (Mobile Server, not shown), wherein the server receiving the customer identification information, the mobile phone number of the financial transaction customer It is provided in the financial institution provided by a wireless server (Mobile Server (not shown)), to provide the customer approval request information in the form of a wireless message to the financial transaction customers via the wireless server, the customer approval request information from the financial transaction customers It is preferable to perform predetermined customer approval procedures by receiving predetermined customer approval information corresponding to.

Or, the customer approval means preferably comprises a DM (Direct Mail) sending center (not shown) provided (or affiliated) in the financial institution, wherein the server receiving the customer confirmation information, By providing the address of the financial transaction customer to a direct mail (DM) dispatch center (not shown) provided to (or affiliated with) the financial institution, the DM transaction customer is approved through the DM dispatch center. It is preferable to perform the predetermined customer approval procedure by providing the request information and receiving predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

For example, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). A predetermined telephone included in the web server (not shown or including the server when the server performs the web server function) to provide the customer approval information, and / or included in the customer approval request information in the DM form. Approving the customer through the call center using a predetermined voice call terminal (eg, a landline phone, a wireless phone, a mobile phone, etc.) based on the number It is possible to provide information and / or to provide the customer approval information through the mail server using a predetermined client terminal based on the mail address included in the DM type customer approval request information.

Alternatively, the customer approval means preferably comprises a predetermined mail server (not shown) provided in the financial institution, wherein the server that receives the customer identification information includes the mail address of the financial transaction customer. By providing to a predetermined mail server (not shown) provided in the financial institution, to provide the customer information of the customer approval request in the form of email (Email) to the financial transaction customer through the mail server, the customer from the financial transaction customer It is preferable to perform predetermined customer approval procedures by receiving predetermined customer approval information corresponding to the approval request information.

If the customer approval for the customized customer impression service is not confirmed (910), the server generates predetermined customer approval error information and transmits the information to the window terminal through the financial network (915), and according to the present invention The process of storing customer information for providing customer impression service is terminated.

On the other hand, if the customer approval for the customized customer service is confirmed (910), the server extracts at least one customer information corresponding to the financial transaction customer (920).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extract at least one customer information corresponding to the customer relationship management information, and / or at least one or more corresponding customer relationship management (CRM) information received from the counter terminal (and / or the customer targeted for the customized customer service) It is desirable to extract customer information.

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (925), the server classifies the extracted customer information by at least one or more categories and stores the predetermined customer information in D / B (930).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

10 is a diagram illustrating a customer approval system for a customized customer impression service using a financial terminal-based financial transaction according to an embodiment of the present invention.

In more detail, in FIG. 10, through the customer registration system shown in FIG. 1, through the customer registration process shown in FIGS. 3A and / or 3B, predetermined service target customer registration information as shown in FIG. CD / ATM that is stored in (and / or associated with) and / or stored in predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 2B, and then made through the financial system 100. As the financial transaction customers in the non-face-to-face financial transaction process, such as the implementation method for approving the customized customer impression service, if the person having ordinary knowledge in the technical field to which the present invention belongs, 10 and / or modified to approve the customized customer impression service in the financial terminal-based non-face-to-face financial transaction process. The various embodiments may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

The financial system 100 for providing non-face-to-face financial transactions based on the financial terminal may open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system provided in a financial institution for performing the above, an accounting system 105 for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), the processing of the headquarters business and branch information An information system 110 that handles support and customer information management, an interconnection between the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one external communication network At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, Access to the financial system 100 from banking, telebanking, TV banking, etc.) and / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 115, and the financial system 100 may further include an interface module 120 corresponding to a middleware platform that provides interfacing between components in the financial system 100, and the financial system 100. Certain information (eg, ledger information, and / or management information) required for each function in a component in system 100 is obtained while the financial institution processes a financial transaction to the financial transaction customer. And a DBMS comprising at least one database for storing and managing customer relationship management (CRM) information, etc.) All.

In addition, the financial system 100 may provide at least one or more branches (and / or branches) and / or public through a predetermined financial network (eg, CD common network) to provide financial transactions based on the financial terminal. It is characterized in that the communication with the financial terminal including a CD / ATM provided in the place, characterized in that for performing the at least one ledger-based financial transaction procedure for the financial terminal.

Referring to FIG. 10, the customer approval server 400 may include an information receiver 405 for receiving predetermined customer approval information from the financial terminal (and / or the customer targeted for the customized customer impression service), and the customer approval information. A customer approval unit 415 which reads and approves the financial transaction customer to provide the customized customer impression service, and, when the customer approves, a predetermined information storage medium and / or the financial terminal (and / or the customized customer). An information extraction unit 410 for extracting at least one or more pieces of customer information for the customized customer impression service from the customer approval information provided by the customer; and the extracted customer information by category. And an information storage unit 420 stored in / B.

In FIG. 10 according to a preferred embodiment of the present invention, the customer approval server 400 is illustrated as a predetermined server provided outside the financial system 100, but the present invention is not limited thereto. The server 400 is a predetermined server provided in the financial system 100 for customer approval according to the present invention, and / or a predetermined ledger server further provided with a customer approval function according to the present invention (or according to the present invention). A program recorded in a recording medium provided in the ledger server to provide a customer approval function according to the present invention; and / or the information system 110 (or customer approval according to the present invention) further provided with a customer approval function according to the present invention. Program to be recorded on the recording medium provided in the information system 110 to provide a function, by which the present invention is not limited.

In addition, the customer approval server 400 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to implement in a program, by which the present invention is not limited.

The financial terminal is provided at a branch (and / or branch) of a financial institution corresponding to the financial system 100, and / or includes a CD / ATM provided at a public place. 100) and a predetermined financial network (eg, CD common network) is characterized in that the communication is connected.

In the financial transaction process through the financial terminal, at least one financial transaction customer has predetermined financial instrument information in a card reader of a financial terminal such as a CD / ATM provided at the branch (and / or branch) and / or public place. An integrated circuit with a bankbook with stored MS (Magnetic Stripe), and / or an MS card (e.g., a cash card, debit card, etc.) with predetermined financial instrument information, and / or predetermined financial instrument information. A card (eg, a cash card, a debit card, an electronic bank account) and inserts (or selects) at least one financial transaction information through a financial transaction interface screen provided by the financial terminal, the financial terminal receives the financial The predetermined text including the means information and the financial transaction information is generated and transmitted to the financial system 100 through the financial network.

Thereafter, the financial system 100 processes the financial transaction corresponding to the financial transaction information through the financial means through the ledger of the financial transaction customer based on the financial instrument information and the financial transaction information, and then the financial transaction result. Is transmitted to the financial terminal through the financial network.

Thereafter, the financial terminal completes the financial transaction requested by the financial transaction customer by outputting the financial transaction result (eg, screen output and / or print output).

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the financial terminal for each financial institution, and thus the detailed description thereof will be omitted for convenience. .

According to the present invention, the financial system 100 processes a financial transaction corresponding to the transmitted financial transaction information through a financial means corresponding to the financial means information transmitted from the financial terminal, and the result is the financial network. In the process of transmitting to the financial terminal through, the financial system 100 is processed in connection with the customer ledger of the financial transaction customer is stored in the target customer registration information, and / or predetermined processing that is linked to the customer ledger Check the service target customer registration information stored in the customer registration information D / B, and if the registration status of the service target customer registration information corresponds to "customer unapproved", the financial transaction customer is tailored to the financial transaction results The mobile terminal further includes predetermined customer approval request information for requesting approval to receive a customer impression service.

Thereafter, the financial terminal outputs the customer approval request information together in the process of outputting the financial transaction result, thereby requesting the financial transaction customer to receive the customized customer impression service.

If the financial transaction customer approves the customized customer impression service, the financial transaction customer inputs predetermined customer approval information to the financial terminal through at least one interface screen output through the financial terminal.

At this time, the customer approval information input by the financial transaction customer through at least one or more interface screens output through the financial terminal authenticates that the financial transaction customer has received the customized customer impression service. Characterized in that it comprises a predetermined customer authentication information for obtaining a nonrepudiation (Nonrepudiation).

According to an embodiment of the present invention, the customer authentication information includes a password (for example, an account password of the financial transaction customer) for inputting a predetermined key input device provided in the financial terminal, and / or a predetermined connection with the financial terminal. It is preferable that the biometric information input through the biometric information of the at least one of the biometric information of the customer comprises at least one biometric authentication information.

In addition, the customer approval information may further include at least one customer relationship management (CRM) information for grasping the hobby, tastes, characteristics, etc. of the financial transaction customer, the customer relationship management (CRM) information is It is preferable to be selected (or input) through at least one or more customer hobby selection interface screens, and / or customer taste selection interface screens, and / or customer characteristic selection interface screens output to the screen output device provided in the financial terminal.

According to the method of the present invention, the customer relationship management (CRM) information included in the customer approval information is a company that the customer selects at least one or more companies (or companies) to receive a customized customer service according to the present invention (Or company) preferably corresponds to the selection information.

Those of ordinary skill in the art to which the present invention pertains may include at least one customer hobby selection interface screen, and / or a customer taste selection interface screen, and / or a customer characteristic selection interface screen output through the financial terminal. It is easy to infer a method of selecting (or inputting) the customer relationship management information corresponding to the hobbies, tastes and characteristics of the financial transaction customer, thereby selecting (or inputting) the customer relationship management (CRM) information. Since you will be familiar with the detailed configuration of information, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the financial transaction customer inputs predetermined customer authentication information and customer relationship management (CRM) information for the customized customer impression service through at least one interface screen output through the financial terminal. In one case, the financial terminal transmits the input (or selected) customer approval information to the customer approval server 400 through the financial network.

According to another exemplary embodiment of the present invention, when only the customer authentication information is included in the customer approval information (for example, when the customer relationship management (CRM) information for the financial transaction customer is omitted), the financial terminal is the Customer approval information including customer authentication information is transmitted to the customer approval server 400 through the financial network.

According to another exemplary embodiment of the present invention, in response to a customer approval request for the customized customer impression service, the financial terminal includes predetermined customer identification information including a brief approval of the provision of the customized customer impression service by the financial terminal. In this case, the customer approval server 400 receiving the customer confirmation information may include contact information (eg, a phone number, a mobile phone number, an address) of the financial transaction customer included in (or linked to) the customer ledger. , E-mail address, etc.) may provide predetermined customer approval request information to the financial transaction customer, and directly receive customer approval information corresponding to the customer approval request information from the financial transaction customer. The contact information is not extracted from the customer ledger, but is included in the customer identification information. Can receive up-to-date contact information for the banking customer, the invention is not limited by such exemplary way.

For example, the customer approval server 400 receiving the customer identification information as described above provides the telephone center and / or mobile phone number of the financial transaction customer to a call center (not shown) provided in the financial institution, thereby providing the call center. Voice call-based customer approval request information may be provided to the financial transaction customer, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

In addition, the customer approval server 400 receiving the customer identification information as described above, by providing the mobile phone number of the financial transaction customer to the financial institution to provide a wireless server (Mobile Server, not shown), through the wireless server The financial transaction customer may provide customer approval request information in the form of a wireless message, and receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In addition, the customer approval server 400 which has received the customer confirmation information as described above is directed to a DM (Direct Mail) dispatch center (not shown) provided with the financial institution's address (or affiliated with). By providing, through the DM sending center it is possible to provide the customer approval request information in the DM form to the financial transaction customer, and to receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In particular, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). Access to a web server (not shown or including the customer approval server 400 when the customer approval server 400 performs a web server function) to provide the customer approval information, and / or the DM type The call using a predetermined voice call terminal (eg, a landline telephone, a wireless telephone, a mobile telephone, etc.) based on a predetermined telephone number included in the customer approval request information. Providing the customer approval information through a mail server, and / or providing the customer approval information through the mail server using a predetermined client terminal based on an e-mail address included in the DM type customer approval request information. All is possible.

In addition, the customer approval server 400, which has received the customer confirmation information as described above, provides the mail server of the financial transaction customer to a predetermined mail server (not shown) provided in the financial institution, thereby providing the mail server. By providing the customer approval request information in the form of e-mail (Email) to the financial transaction customer, and receives predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

The information receiving unit 405 may receive predetermined customer approval information for providing the customized customer impression service from the financial terminal through the financial network, and may be implemented by the person skilled in the art and / or the customer approval. Receiving the customer approval information from the financial transaction customer via a predetermined call center, and / or receiving the customer approval information from the financial transaction customer via a predetermined wireless server, and / or sending a predetermined DM. The customer approval information is received from the financial transaction customer through a center, and / or the customer approval information is received from the financial transaction customer through a predetermined mail server.

According to the exemplary embodiment of the present invention, the information receiving unit 405 preferably provides the customer authentication information among the received customer approval information to the customer approval unit 415, and the predetermined customer in the customer approval information. When relationship management (CRM) information is further included, the customer relationship management information is preferably provided (or extracted) to the information extraction unit 410.

The customer approval unit 415 authenticates the customer authentication information included in the customer approval information, so that authentication, integrity, and non-repudiation of the financial transaction customer approving the provision of the customized customer impression service are provided. (Nonrepudiation) is secured.

According to an embodiment of the present invention, when the customer approval information includes signature and / or seal image data for the financial transaction customer, the customer approval unit 415 may sign the signature and / or seal image of the financial transaction customer. By storing data in a predetermined database (not shown), it is desirable to ensure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

According to another exemplary embodiment of the present invention, when the customer approval information includes a predetermined password (for example, a financial account password of a financial transaction customer) for the financial transaction customer, the customer approval unit 415 may designate a predetermined database. By comparing the password stored in the ledger D / B with the password included in the customer approval information, authentication, integrity, and non-repudiation of the financial transaction customer's approval to provide the customized customer impression service are provided. It is desirable to secure.

According to another exemplary embodiment of the present invention, predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) for the financial transaction customer is included in the customer approval information. Is included in the biometric information including at least one), the customer approval unit 415 is included in the biometric information and the customer approval information of the financial transaction customer stored in a predetermined biometric information database (not shown) By comparing biometric information, it is desirable to ensure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

When the financial transaction customer is approved to provide the customized customer impression service by the customer approval unit 415, the information extracting unit 410 may be configured to receive information from the ledger D / B provided in the financial system 100. Extracting at least one customer information corresponding to the customer ledger, and / or extracting at least one customer information corresponding to the customer relationship management information provided on the DBMS, and / or the financial terminal (and / or the Extracting at least one customer information corresponding to customer relationship management (CRM) information (eg, customer relationship management (CRM) information received by being included in the customer approval information) received from a customized customer impression service target customer) It is done.

According to the method of the present invention, the customer information extracted by the information extraction unit 410 is personal information (for example, the name, resident registration number, age, gender of the financial transaction customer to receive the customized customer impression service) , Phone number, mobile phone number, address, etc., financial information (eg, a branch (or branch) corresponding to the financial transaction customer), the financial transaction employee, the financial transaction customer's asset size , Investment products, etc. subscribed to by the financial transaction customer, customer relationship management (CRM) information (eg, hobby, taste, characteristics, etc.) of the financial transaction customer, and the financial transaction customer At least one or more anniversary information (for example, birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

When the customer information on the financial transaction customer is extracted by the information extracting unit 410, the information storage unit 420 classifies the customer information of the financial transaction customer by at least one or more categories, and provides predetermined customer information D. / B, the customer information D / B is included on the DBMS provided on the financial system 100, and / or provided on an external network associated with the financial system 100 It is preferably included in a predetermined [DBMS], and / or included in a predetermined [DBMS] provided on an external network which is not associated with the financial system 100.

According to an embodiment of the present invention, the information storage unit 420 preferably stores the customer information by classifying at least one or more categories corresponding to the personal information of the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the financial information about the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by a branch (or branch) category, and / or an employee category, an asset scale category, and / or an investment product category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the information storage unit 420 may store the customer information in a hobby category (eg, reading, hiking, fishing, ...), and / or a taste category (eg, favorite sport, color, entertainer, food, Clothing, ... etc.), and / or characteristic categories (e.g., customer occupation, single / married, health status, ..., etc.) can be stored.

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

FIG. 11 is a diagram illustrating a concept of classifying and storing customer information obtained by a financial terminal-based financial transaction according to an embodiment of the present invention by category.

* In more detail, Figure 11 shows that the customer information for a financial transaction customer who approved the provision of the customized customer impression service by the customer approval server 400 shown in FIG. 10 is classified and stored in at least one or more categories. As illustrated, one of ordinary skill in the art of database technology will clearly understand that the customer information of the financial transaction customer is classified and stored by at least one category with reference to FIG.

Referring to FIG. 11, the customer information D / B provided in the DBMS stores the customer information about the financial transaction customer in association with predetermined category information, and stores the customer information about the financial transaction customer by the category information. Customer information for providing personalized pacing services to the customer is relationally associated with at least one category D / B.

12 is a diagram illustrating a customer approval process for providing a customized customer impression service during a financial terminal based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a financial terminal-based non-face-to-face financing through a customer approval system shown in FIG. 10 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. As a method of obtaining a customer approval for providing the customized customer service in a transaction process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12. In order to infer various implementation methods for the customer approval and information storage process for the customized customer impression service target customer, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in this drawing 12, the customer approval server 400 shown in drawing 10 will be referred to as "server" for convenience.

Referring to FIG. 12, an MS having predetermined financial means information stored in a card reader of a financial terminal including a CD / ATM provided at a branch (or branch) and / or a public place of a predetermined financial transaction customer ( A customer-owned bank with magnetic stripe) and / or a customer-owned MS card (e.g., a cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or a customer-owned IC equipped with predetermined financial instrument information When an integrated circuit card (for example, a cash card, a debit card, or an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and enters a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. According to the customer-owned bank account and / or MS card and / or IC card to obtain predetermined financial means information (e.g., account number provided in the financial system 100 corresponding to a financial transaction customer) At least one financial transaction information (e.g., a deposit account number, a transfer account amount, a withdrawal account (customer account) password, etc.) corresponding to a financial transaction requested by the financial transaction customer (or selected); Input processing is performed (1200).

Those of ordinary skill in the art to which the present invention pertains may include the customer-owned bank account and / or MS card and / or in accordance with a non-face-to-face financial transaction procedure corresponding to at least one financial transaction interface screen provided by the financial terminal. Since it will be familiar with the process of reading predetermined financial instrument information from an IC card and inputting and processing at least one financial transaction information corresponding to the financial transaction requested by the financial transaction customer. Is omitted for convenience.

Thereafter, the financial terminal transmits the financial instrument information and the financial transaction information to the financial system 100 through a predetermined financial network (for example, CD common network) (1205), and the financial system 100 (for example, The ledger server provided in the financial system 100 processes at least one financial transaction corresponding to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. A predetermined financial transaction result corresponding to the financial transaction process is generated 1210.

Those skilled in the art to which the present invention pertains will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the financial terminals in response to each financial transaction, so that each financial transaction is supported. The detailed description of the financial terminal-based non-face-to-face financial transaction procedure is omitted for convenience.

Thereafter, the financial system 100 is connected to the ledger corresponding to the financial transaction information (for example, the customer ledger corresponding to the financial transaction customer) through the customer registration system shown in FIG. Check the registration information (1215).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a financial transaction customer) may be performed by using the customer registration system shown in FIG. It is preferable to include a process of checking whether there is a service target customer registration information that is linked to the ledger through the process, and if the service target customer registration information exists, extracting the service target customer registration information.

If the service target customer registration information associated with the ledger is not confirmed (1220), the financial system 100 transmits the generated financial transaction result to the financial terminal through the financial network (1225), The financial terminal completes the financial transaction processing by receiving the financial transaction result through the financial network and outputting the screen and / or printing (1230).

On the other hand, when the service target customer registration information linked to the ledger is confirmed (1220), the financial system 100 reads the confirmed service target customer registration information to provide the customized customer impression service to the financial transaction customer. Check whether to request customer approval (1235).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "customer not approved," It is advisable to confirm the request for customer approval for the provision of customized customer service.

If the financial transaction customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the service customer registration information corresponds to "non-registered customer" or "customer approval"). (1240), the financial system 100 transmits the generated financial transaction result to the financial terminal through the financial network (1225), and the financial terminal receives the financial transaction result through the financial network. In step 1230, the financial transaction processing is completed by outputting a screen and / or printing.

On the other hand, if the financial transaction customer has to request the customer approval for providing the customized customer impression service (for example, if the registration status information included in the service target customer registration information corresponds to "non-approval") (1240), the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result and transmits the generated customer approval request information to the financial terminal through the financial network (1245). Receiving the financial transaction result through a financial network and outputting the screen and / or printing, it is checked whether the financial transaction result includes the customer approval request information (1250).

If the financial transaction result includes the customer approval request information (1255), the financial terminal requests the financial transaction customer to input predetermined customer approval information corresponding to the customer approval request information (1260). .

If the financial transaction customer approves the provision of the customized customer impression service, the financial transaction customer inputs predetermined customer approval information into the financial terminal, wherein the customer approval information is sent by the financial transaction customer to the customized customer impression. It is characterized in that it comprises a predetermined customer authentication information for authenticating that the service is approved to receive, and obtaining non-repudiation.

According to an embodiment of the present invention, the customer authentication information is a password (eg, the account password of the financial transaction customer) input through a key input device provided in the financial terminal, and / or a predetermined information provided in the financial terminal. Preferably, the biometric information includes at least one biometric authentication information among the biometric information of the financial transaction customer.

In addition, the customer approval information is a customer hobby selection interface screen, and / or a customer taste selection interface screen, and / or a customer characteristic selection output through the financial terminal to determine the hobby, taste, characteristics, etc. of the financial transaction customer It is preferable to further include at least one customer relationship management (CRM) selected (or input) through the interface screen.

Those of ordinary skill in the art to which the present invention pertains may include at least one customer hobby selection interface screen, and / or a customer taste selection interface screen, and / or a customer characteristic selection interface screen output through the financial terminal. It is easy to infer a method of selecting (or inputting) the customer relationship management information corresponding to the hobbies, tastes and characteristics of the financial transaction customer, thereby selecting (or inputting) the customer relationship management (CRM) information. Since you will be familiar with the detailed configuration of information, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer relationship management (CRM) information included in the customer approval information is a company that the customer selects at least one or more companies (or companies) to receive a customized customer service according to the present invention (Or company) preferably corresponds to the selection information.

If it is confirmed that predetermined customer approval information corresponding to the customer approval request information is input to the financial terminal (1265), the financial terminal transmits the input customer approval information to the server through the financial network (1270). Then, the server performs a customer approval procedure and a customer information storage procedure through the customer approval information as shown in FIG.

13 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a financial terminal based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 13 is a financial terminal based non-face-to-face financing through a customer approval system shown in FIG. 10 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. When the customer approval information for providing the customized customer impression service is obtained through the process as shown in FIG. 12 in the transaction process, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. As an example of the present invention, a method of classifying and storing predetermined customer information for at least one category is provided, and a person skilled in the art may refer to FIG. 13 and / or To modify the process of customer approval and information storage for the customer. One various implementation method may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in this drawing 13, the customer approval server 400 shown in drawing 10 will be referred to as "server" for convenience.

Referring to FIG. 13, when the customer approval information transmitted from the financial terminal is received through the financial network through the same process as that of FIG. 12 (y00), the server determines a predetermined customer with respect to the received customer approval information. By performing the approval process, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (y05).

According to an exemplary embodiment of the present invention, when the customer approval information includes a predetermined password (eg, a financial account password of a financial transaction customer) for the financial transaction customer, the server may have a predetermined database (eg, ledger D / By comparing the password stored in B) with the password included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

According to another embodiment of the present invention, the customer approval information includes predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) for the financial transaction customer. When at least one biometric information is included), the server compares the biometric information of the financial transaction customer and the biometric information included in the customer approval information stored in a predetermined biometric information database (not shown), It is desirable to ensure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

If the customer approval for the customized customer service is not confirmed (y10), the server generates predetermined customer approval error information and transmits it to the financial terminal through the financial network (y15), according to the present invention. The process of storing customer information for providing customer impression service is terminated.

On the other hand, if the customer approval for the customized customer service is confirmed (y10), the server extracts at least one or more customer information corresponding to the financial transaction customer (y20).

According to an embodiment of the present invention, the server extracts at least one customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the received customer relationship management information, and / or customer relationship management (CRM) information received from the financial terminal (and / or the customer targeted for the customized customer service) (e.g., the customer Preferably, at least one customer information corresponding to the received customer relationship management (CRM) information included in the approval information is extracted.

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (y25), the server classifies the extracted customer information into at least one or more categories and stores the predetermined customer information in D / B (y30).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

14 is a diagram illustrating a customer approval process for providing a customized customer impression service during a financial terminal based financial transaction according to another embodiment of the present invention.

More specifically, FIG. 14 is a financial terminal-based non-face-to-face financing method through a customer approval system shown in FIG. 10 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. As a method of obtaining a customer approval for providing the customized customer service in a transaction process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 14. In order to infer various implementation methods for the customer approval and information storage process for the customized customer impression service target customer, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in this figure 14, the customer approval server 400 shown in FIG. 10 is referred to as "server" for convenience.

Referring to FIG. 14, an MS in which a predetermined financial transaction customer stores predetermined financial instrument information in a card reader of a financial terminal including a CD / ATM provided at a branch (or branch) and / or a public place of a financial institution ( A customer-owned bank with magnetic stripe) and / or a customer-owned MS card (e.g., a cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or a customer-owned IC equipped with predetermined financial instrument information When an integrated circuit card (for example, a cash card, a debit card, or an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and enters a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. According to the customer-owned bank account and / or MS card and / or IC card to obtain predetermined financial means information (e.g., account number provided in the financial system 100 corresponding to a financial transaction customer) At least one financial transaction information (e.g., a deposit account number, a transfer account amount, a withdrawal account (customer account) password, etc.) corresponding to a financial transaction requested by the financial transaction customer (or selected); Process the input (1400).

Those of ordinary skill in the art to which the present invention pertains may include the customer-owned bank account and / or MS card and / or in accordance with a non-face-to-face financial transaction procedure corresponding to at least one financial transaction interface screen provided by the financial terminal. Since it will be familiar with the process of reading predetermined financial instrument information from an IC card and inputting and processing at least one financial transaction information corresponding to the financial transaction requested by the financial transaction customer. Is omitted for convenience.

Thereafter, the financial terminal transmits the financial instrument information and the financial transaction information to the financial system 100 through a predetermined financial network (for example, CD common network) (1405), and the financial system 100 (for example, The ledger server provided in the financial system 100 processes at least one financial transaction corresponding to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. A predetermined financial transaction result corresponding to the financial transaction processing is generated (1410).

Those skilled in the art to which the present invention pertains will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the financial terminals in response to each financial transaction, so that each financial transaction is supported. The detailed description of the financial terminal-based non-face-to-face financial transaction procedure is omitted for convenience.

Thereafter, the financial system 100 is connected to the ledger corresponding to the financial transaction information (for example, the customer ledger corresponding to the financial transaction customer) through the customer registration system shown in FIG. The registration information is verified (1415).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a financial transaction customer) may be performed by using the customer registration system shown in FIG. It is preferable to include a process of checking whether there is a service target customer registration information that is linked to the ledger through the process, and if the service target customer registration information exists, extracting the service target customer registration information.

If the service target customer registration information associated with the ledger is not confirmed (1420), the financial system 100 transmits the generated financial transaction result to the financial terminal through the financial network (1425). In operation 1430, the financial terminal completes the financial transaction processing by receiving the financial transaction result through the financial network and outputting a screen and / or printing.

On the other hand, if the service target customer registration information associated with the ledger is confirmed (1420), the financial system 100 reads the confirmed service target customer registration information to provide the customized customer impression service to the financial transaction customers. Check whether to request customer approval (1435).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "customer not approved," It is advisable to confirm the request for customer approval for the provision of customized customer service.

If the financial transaction customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the service customer registration information corresponds to "non-registered customer" or "customer approval"). (1440), the financial system 100 transmits the generated financial transaction result to the financial terminal through the financial network (1425), and the financial terminal receives the financial transaction result through the financial network. In step 1430, the financial transaction processing is completed by outputting a screen and / or printing.

On the other hand, if the financial transaction customer has to request the customer approval for providing the customized customer impression service (for example, if the registration status information included in the service target customer registration information corresponds to "non-approval") (1440), the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result and transmits the generated customer approval request information to the financial terminal through the financial network (1445). Receiving the financial transaction result through a financial network and outputting the screen and / or printing, it is checked whether the financial transaction result includes the customer approval request information (1450).

If the financial transaction result includes the customer approval request information (1455), the financial terminal requests the financial transaction customer to input predetermined customer approval information corresponding to the customer approval request information (1460).

According to the implementation method of the present invention, when the financial transaction customer approves the provision of the customized customer impression service, the financial transaction customer receives predetermined customer identification information including the informal approval of the provision of the customized customer impression service. In this case, the server receiving the customer identification information is provided through the contact information (eg, phone number, mobile phone number, address, mail address, etc.) of the financial transaction customer included in (or linked to) the customer ledger. Providing predetermined customer approval request information to the financial transaction customer, and directly receiving customer approval information corresponding to the customer approval request information from the financial transaction customer, wherein the contact information of the customer is extracted from the customer ledger And from the financial terminal to the financial transaction customer in the customer identification information. The latest contact information can be received, and the present invention is not limited by such an implementation method.

For example, the server receiving the customer identification information may provide a phone number and / or a mobile phone number of the financial transaction customer to a call center (not shown) provided in the financial institution, thereby providing financial transaction customers through the call center. It provides the voice call-based customer approval request information, and receives the predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In addition, the server receiving the customer identification information as described above, by providing the mobile phone number of the financial transaction customer to the financial institution to provide a wireless server (Mobile Server, not shown), to the financial transaction customer through the wireless server Customer approval request information in the form of a wireless message may be provided, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

In addition, the server receiving the customer identification information as described above provides the address of the financial transaction customer to a DM (Direct Mail) dispatch center (not shown) provided in (or affiliated with) the financial institution. Through the distribution center, the financial transaction customer may be provided with the DM type customer approval request information, and receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In particular, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). A predetermined telephone included in the web server (not shown or including the server when the server performs the web server function) to provide the customer approval information, and / or included in the customer approval request information in the DM form. Based on the number, the customer approval is determined through the call center using a predetermined voice call terminal (eg, a landline phone, a wireless phone, a mobile phone, etc.). It is possible to provide the customer approval information through the mail server, and / or by using a predetermined client terminal based on the mail address included in the customer approval request information in the DM form.

In addition, the server receiving the customer identification information as described above, by providing the mail address of the financial transaction customer to a predetermined mail server (not shown) provided in the financial institution, the financial transaction customer through the mail server The customer approval request information in the form of e-mail may be provided to the customer, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

If it is confirmed that predetermined customer identification information corresponding to the customer approval request information is input to the financial terminal (1465), the financial terminal transmits the input customer identification information to the server through the financial network (1470). After that, the server performs a customer approval procedure and a customer information storing procedure through the customer confirmation information as shown in FIG.

15 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a financial terminal based financial transaction according to another embodiment of the present invention.

More specifically, Figure 15 is a financial terminal based non-face-to-face financing through the customer approval system shown in Figure 10 to the financial transaction customers registered for the customized customer impression service through the customer registration system shown in Figure 1 When the customer confirmation information about the financial transaction customer is received in the transaction process through the process as shown in FIG. 14, the customer approval for the customized customer impression service is obtained through at least one customer approval means. As an exemplary embodiment of the present invention, a method of classifying and storing predetermined customer information for providing the customized customer impression service to the financial transaction customer by at least one category in the illustrated customer information D / B is provided. Those skilled in the art may refer to and / or refer to FIG. 15. It may be modified to infer various implementation methods for the customer approval and information storage process for the customized customer impression service target customer, but the present invention includes all the implementation methods inferred, the implementation method shown in Figure 15 It is not limited to this.

In the following figure 15, the customer approval server 400 shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 15, when the customer identification information transmitted from the financial terminal is received through the financial network through the process as shown in FIG. 14, the server may generate at least one based on the received customer identification information. By performing a predetermined customer approval procedure through the customer approval means, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (1505).

According to one embodiment of the invention, the customer approval means preferably comprises a call center (not shown) provided in the financial institution, wherein the server receiving the customer confirmation information, the financial transaction customer By providing the phone number and / or mobile phone number of the call center (not shown) provided in the financial institution, provides the voice transaction based customer approval request information to the financial transaction customers through the call center, It is preferable to receive predetermined customer approval information corresponding to the customer approval request information to perform a predetermined customer approval procedure.

Alternatively, the customer approval means is provided in the financial institution and comprises a wireless server (Mobile Server, not shown), wherein the server receiving the customer identification information, the mobile phone number of the financial transaction customer It is provided in the financial institution provided by a wireless server (Mobile Server (not shown)), to provide the customer approval request information in the form of a wireless message to the financial transaction customers via the wireless server, the customer approval request information from the financial transaction customers It is preferable to perform predetermined customer approval procedures by receiving predetermined customer approval information corresponding to.

Or, the customer approval means preferably comprises a DM (Direct Mail) sending center (not shown) provided (or affiliated) in the financial institution, wherein the server receiving the customer confirmation information, By providing the address of the financial transaction customer to a direct mail (DM) dispatch center (not shown) provided to (or affiliated with) the financial institution, the DM transaction customer is approved through the DM dispatch center. It is preferable to perform the predetermined customer approval procedure by providing the request information and receiving predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

For example, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). A predetermined telephone included in the web server (not shown or including the server when the server performs the web server function) to provide the customer approval information, and / or included in the customer approval request information in the DM form. Approving the customer through the call center using a predetermined voice call terminal (eg, a landline phone, a wireless phone, a mobile phone, etc.) based on the number It is possible to provide information and / or to provide the customer approval information through the mail server using a predetermined client terminal based on the mail address included in the DM type customer approval request information.

Alternatively, the customer approval means preferably comprises a predetermined mail server (not shown) provided in the financial institution, wherein the server that receives the customer identification information includes the mail address of the financial transaction customer. By providing to a predetermined mail server (not shown) provided in the financial institution, to provide the customer information of the customer approval request in the form of email (Email) to the financial transaction customer through the mail server, the customer from the financial transaction customer It is preferable to perform predetermined customer approval procedures by receiving predetermined customer approval information corresponding to the approval request information.

If the customer approval for the customized customer service is not confirmed (1510), the server generates predetermined customer approval error information and transmits it to the financial terminal through the financial network (1515), and according to the present invention The process of storing customer information for providing customer impression service is terminated.

On the other hand, if the customer approval for the customized customer service is confirmed (1510), the server extracts at least one or more customer information corresponding to the financial transaction customer (1520).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extract at least one or more customer information corresponding to the customer relationship management information, and / or at least one or more corresponding to customer relationship management (CRM) information received from the financial terminal (and / or the customer targeted for the customized customer service) It is desirable to extract customer information.

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (1525), the server classifies the extracted customer information by at least one or more categories and stores it in predetermined customer information D / B (1530).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

16 is a diagram illustrating a customer approval system for a customized customer service using an internet banking-based financial transaction according to an embodiment of the present invention.

In more detail, in FIG. 16, through the customer registration system shown in FIG. 1, through the customer registration process shown in FIGS. 3A and / or 3B, predetermined service target customer registration information as shown in FIG. And / or stored in the predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 2B, and then stored in the Internet banking-based ratio through the financial system 100. The financial transaction customer in the face-to-face financial transaction process for implementing the customized customer impression service as a person having ordinary knowledge in the technical field to which the present invention belongs, see and / or Figure 16 Various implementations in which the financial transaction customer approves the customized customer impression service in a non-face-to-face financial transaction process based on Internet banking. Would have to be inferred, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 16.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing x to customize customer satisfaction service target customer approval system using a home banking-based financial transaction using at least one wired communication network, and And / or a customer approval system subject to a customized customer impression service using telebanking based financial transactions using at least one wired communication network, and / or a customer approval system subject to a customized customer impression service using a TV banking based financial transaction using at least one wired communication network. It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in this figure.

The financial system 100 for providing a non-face-to-face financial transaction based on the Internet banking may open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system provided to a financial institution for the purpose of: accounting 105 for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window); And an interconnection between the information system 110 which processes customer information management, the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, External banks that access the financial system 100 from home banking, telebanking, TV banking, etc.) and / or provide various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). And the interface system 120 corresponding to a middleware platform providing interfacing between components in the financial system 100, and the financial system 100. Predetermined information (e.g., ledger information, and / or management information, and / or the financial institution processing financial transactions with the financial transaction customer) required for each function in a component in the financial system 100. And a DBMS including at least one database for storing and managing the acquired customer relationship management (CRM) information. do.

The financial system 100 may interface with a predetermined internet banking server 1600 through a predetermined interface means to provide a non-face-to-face financial transaction based on the internet banking. 1600, characterized in that to perform at least one or more ledger-based financial transaction procedures.

According to the method of the present invention, the internet banking server 1600 interworks with the financial system 100 through the external system 115, and for this purpose, the external system 115 may be connected to the external system through a predetermined interface means. It is preferable to include a component for interworking with the Internet banking server 1600.

Referring to FIG. 16, the internet banking server 1600 may include an interface unit 1610 for connecting and managing a predetermined communication channel for internet banking with at least one or more client terminals and a predetermined network unit, and the interface unit ( An Internet banking unit 1605 for processing a non-face-to-face Internet banking-based financial transaction to at least one client terminal through a communication channel provided by 1610, and a non-face-to-face method provided by the internet banking unit 1605. In the Internet banking process, when predetermined customer approval request information is received from the financial system 100 to request a financial transaction customer corresponding to the client terminal to provide the customized customer impression service, the customer approval request information is sent to the internet banking. Interface provided by the unit 1605 to the client terminal through the interface unit 1610. The customer approval information corresponding to the customer approval request information is received from the client terminal through the interface providing unit 1615 and the interface providing unit 1610 to be output on the screen. And an information processing unit 1620 for relaying information to a predetermined customer approval server 400, wherein the interface providing unit 1615 is provided to the client terminal through the interface unit 1610. And providing and outputting a predetermined interface screen for inputting (or selecting) the approval information.

According to another exemplary embodiment of the present invention, when predetermined customer confirmation information corresponding to the customer approval request information is received from the client terminal through a communication channel provided by the interface unit 1610, the information processing unit 1620 is provided. It characterized in that the relay transmission of the received customer confirmation information to the customer approval server (400).

Those skilled in the art to which the present invention pertains, the Internet banking unit 1605 according to the Internet banking procedures defined by each financial institution through the communication channel provided by the interface unit 1610 through the financial system ( Since you will be familiar with the procedure for providing a non-face-to-face Internet banking service in connection with 100), the Internet banking unit 1605 includes an Internet including a non-face-to-face financial transaction procedure of a web page method and / or a banking program method. Detailed description of providing the banking service will be omitted for convenience.

According to an embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a web page method, the interface unit 1610 may connect the client terminal with HTTP (Hyper). Connect a predetermined communication channel based on a Text Transfer Protocol protocol, and display an Internet banking related interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting and receiving and processing predetermined financial transaction information input (or selected) through the internet banking related interface screen from the client terminal.

According to another embodiment of the present invention, when the Internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a banking program method, the interface unit 1610 is provided in the client terminal. The predetermined banking program and a predetermined communication channel based on the banking protocol defined by the financial institution, and transmit the financial transaction interface information corresponding to the banking protocol to the client terminal through the communication channel. Outputs a predetermined Internet banking related interface screen and / or information providing screen and receives and processes predetermined financial transaction information input (or selected) through the internet banking related interface screen from the banking program provided in the client terminal; It is desirable to perform the function All.

According to the present invention, the financial system 100 processes the request from the Internet banking server 1600 (eg, the Internet banking unit 1605 provided in the Internet banking server 1600), and the result is the financial network. In the process of transmitting to the Internet banking server 1600 through, the financial system 100 is processed in connection with the customer ledger of the financial transaction customer is stored in the service target customer registration information, and / or the customer ledger Confirm the service target customer registration information stored in the predetermined customer registration information D / B, and if the registration status of the service target customer registration information corresponds to "customer unapproved", the financial transaction customer The mobile terminal further includes predetermined customer approval request information requesting approval to receive the customized customer satisfaction service, and transmits it to the Internet banking server 1600.

When the financial transaction result further includes the customer approval request information, the internet banking server 1600 (eg, the internet banking unit 1605 provided in the internet banking server 1600) may transmit the financial transaction result to the client. In the process of transmitting and outputting to the terminal, the interface providing unit 1615 further includes the customer approval request information in the financial transaction result and transmits the output to the client terminal to output the customized customer impression service to the financial transaction customer. Ask for approval to be provided.

According to the present invention, the interface providing unit 1615 may provide the Internet banking related interface screen and / or information provided by the Internet banking unit 1605 to the client terminal through a communication channel provided by the interface unit 1610. And providing predetermined customer approval request information on the providing screen. In this case, the internet approval-related interface screen and / or information providing screen output to the client terminal further includes the customer approval request information. Is output.

Subsequently, when the client terminal desires to input (or select) predetermined customer approval information in response to the customer approval request information, the interface providing unit 1615 sends the client terminal to the client terminal through the interface unit 1610. And providing and outputting a predetermined interface screen for inputting (or selecting) customer approval information.

According to an embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a web page type, a predetermined interface for inputting (or selecting) the customer approval information The screen is preferably provided to the client terminal in the form of the HTML compatible document.

According to another exemplary embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a banking program method, a predetermined method of inputting (or selecting) the customer approval information is provided. The interface screen may be output through a banking program provided in the client terminal, and / or provided to the client terminal in the form of the HTML compatible document and output through a predetermined web browser provided in the client terminal. Thereby, this invention is not limited.

If the financial transaction customer approves the provision of the customized customer impression service, the financial transaction customer inputs predetermined customer approval information through a predetermined interface screen for inputting (or selecting) the customer approval information output through the client terminal. Enter (or select)

According to an embodiment of the present invention, the customer approval information that the financial transaction customer inputs (or selects) through a predetermined interface screen for inputting (or selecting) the customer approval information output through the client terminal. It is characterized in that the financial transaction customer is authorized to receive the customized customer impression service, characterized in that it comprises a predetermined customer authentication information for obtaining non-repudiation.

According to an embodiment of the present invention, the customer authentication information is approved by the customer through a predetermined encryption key (or provided with a client terminal) provided in the authentication certificate of the financial transaction customer for the non-face-to-face Internet banking financial transaction. Encrypting predetermined information (eg, predetermined random numbers and / or customer approval information entered through the interface screen) through a predetermined interface screen for inputting (or selecting) information. The encrypted customer approval information is decrypted by the information processing unit 1620 of the internet banking server 1600 and / or the customer is provided in the customer approval server 400 (eg, the customer approval server 400). It is preferably decrypted by the approval unit (415).

In addition, the customer authentication information inputs (or selects) the customer approval information through a predetermined encryption key (or provided with a client terminal) provided in the authentication certificate of the financial transaction customer for the non-face-to-face Internet banking financial transaction. And attaching a predetermined digital signature to predetermined information (eg, a predetermined random number and / or customer approval information input through the interface screen) inputted through a predetermined interface screen. The information processing unit 1620 of the Internet banking server 1600 may perform a verification procedure for the attached electronic signature, and / or the customer approval server 400 (eg, the customer approval server 400). In the customer approval unit 415, it is preferable that the verification procedure for the attached electronic signature is performed.

Here, the electronic signature may be a predetermined information (eg, a predetermined random number and / or a customer entering through the interface screen) through a predetermined interface screen for inputting (or selecting) the customer approval information. The authorization information) is preferably generated by encrypting the private key of the financial transaction customer provided in the accredited certificate to generate a predetermined message digest.

In addition, the customer authentication information is a password for inputting a predetermined key input device provided in the client terminal (for example, the security code provided in the account password of the financial transaction customer, or a security card issued to the financial transaction customer), and And / or biometric authentication information of at least one of biometric information of the financial transaction customer input through a predetermined biometric information reader associated with the client terminal.

According to an embodiment of the present invention, the customer approval information may further include at least one or more customer relationship management (CRM) information for grasping the hobby, taste, characteristics, etc. of the financial transaction customer, the customer relationship management (CRM) information is preferably input (or selected) through a predetermined interface screen for inputting (or selecting) the customer approval information.

According to the method of the present invention, the customer relationship management (CRM) information included in the customer approval information is a company that the customer selects at least one or more companies (or companies) to receive a customized customer service according to the present invention (Or company) preferably corresponds to the selection information.

Those of ordinary skill in the art to which the present invention pertains can benefit the hobbies, tastes, and characteristics of the financial transaction customer through a predetermined interface screen for inputting (or selecting) the customer approval information output through the client terminal. Since the method of easily inputting (or selecting) corresponding customer relationship management information can be easily inferred, the detailed information structure of the customer relationship management (CRM) information entered (or selected) will be understood. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the financial transaction customer inputs (or selects) predetermined customer approval information for the customized customer impression service through at least one interface screen output through the client terminal, The client terminal transmits the input (or selected) customer approval information to the internet banking server 1600 through the network means (for example, a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network). The information processing unit 1620 provided in the internet banking server 1600 relays the customer approval information to the customer approval server 400.

If it is possible for the customer approval server 400 to connect a communication channel with the client terminal via the network means (eg, when the customer approval server 400 is a web server), the client terminal may input the input ( Alternatively, the selected customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when only the customer authentication information is included in the customer approval information (for example, when the customer relationship management (CRM) information for the financial transaction customer is omitted), the client terminal The customer approval information including customer authentication information is transmitted to the internet banking server 1600 through the network means, and the information processing unit 1620 included in the internet banking server 1600 receives the customer approval information as the customer approval information. Relay transmission to the server 400.

If it is possible for the customer approval server 400 to connect a communication channel with the client terminal via the network means (for example, when the customer approval server 400 is a web server), the client terminal inputs the input. It is possible to transmit the (or selected) customer approval information directly to the customer approval server 400 through the network means, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the financial transaction customer responds to the customer approval request for the customized customer impression service through a predetermined interface screen for inputting (or selecting) the customer approval information in the client terminal. Predetermined customer confirmation information may be input including the informed approval of the personalized customer satisfaction service providing, in which case the customer confirmation information is transmitted to the internet banking server 1600 through the network means, and the internet banking server. The information processor 1620 provided at 1600 relays and transmits the customer confirmation information to the customer approval server 400.

If it is possible for the customer approval server 400 to connect a communication channel with the client terminal via the network means (eg, when the customer approval server 400 is a web server), the client terminal may input the input ( Alternatively, the selected customer confirmation information can be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

Thereafter, the customer approval server 400 sends the financial transaction customer to the financial transaction customer through contact information (eg, a phone number, a mobile phone number, an address, an e-mail address, etc.) of the financial transaction customer included in (or linked to) the customer ledger. Providing predetermined customer approval request information and directly receiving customer approval information corresponding to the customer approval request information from the financial transaction customer, wherein the contact information of the customer is not extracted from the customer ledger, but the customer It is possible to receive the latest contact information for the financial transaction customer from the client terminal included in the confirmation information, the present invention is not limited by such an implementation method.

For example, the customer approval server 400 receiving the customer identification information as described above provides the telephone center and / or mobile phone number of the financial transaction customer to a call center (not shown) provided in the financial institution, thereby providing the call center. Voice call-based customer approval request information may be provided to the financial transaction customer, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

In addition, the customer approval server 400 receiving the customer identification information as described above, by providing the mobile phone number of the financial transaction customer to the financial institution to provide a wireless server (Mobile Server, not shown), through the wireless server The financial transaction customer may provide customer approval request information in the form of a wireless message, and receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In addition, the customer approval server 400 which has received the customer confirmation information as described above, the DM (Direct Mail) sending center (not shown) provided with the financial institution's address (or affiliated). By providing a, it is possible to provide the customer approval request information in the DM form to the financial transaction customer through the DM sending center, and to receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In particular, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, the predetermined address corresponding to the network address is provided through a predetermined client terminal (eg, a terminal device having a wired Internet access function and / or a terminal device having a wireless Internet access function). Access to a web server (not shown or including the customer approval server 400 when the customer approval server 400 performs a web server function) to provide the customer approval information, and / or the DM type The call using a predetermined voice call terminal (eg, a landline telephone, a wireless telephone, a mobile telephone, etc.) based on a predetermined telephone number included in the customer approval request information. Providing the customer approval information through a mail server, and / or providing the customer approval information through the mail server using a predetermined client terminal based on an e-mail address included in the DM type customer approval request information. All is possible.

In addition, the customer approval server 400 which has received the above customer confirmation information provides the mail address of the financial transaction customer to a predetermined mail server (not shown) provided in the financial institution, thereby providing the mail server. By providing the customer approval request information in the form of e-mail (Email) to the financial transaction customer, and receives predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

According to another exemplary embodiment of the present invention, in the process of relaying the customer approval information (or customer confirmation information) to the customer approval server 400 by the information processing unit 1620 included in the Internet banking server 1600. When the customer approval information (or customer confirmation information) is encrypted, the information processing unit 1620 may decrypt the encrypted customer approval information (or customer confirmation information) and relay the encrypted information to the customer approval server 400. And / or when a predetermined electronic signature is attached to the customer approval information (or customer confirmation information), the information processing unit 1620 checks the electronic signature attached to the customer approval information (or customer confirmation information). It is possible to relay transmission to the customer approval server 400, whereby the present invention is not limited.

Referring to FIG. 16, the customer approval server 400 may include an information receiver 405 for receiving predetermined customer approval information transmitted from the client terminal (and / or relayed through the internet banking server 1600). A customer approval unit 415 which reads the customer approval information and approves that the financial transaction customer provides the customized customer impression service, and, when the customer approves, a predetermined information storage medium and / or the client terminal. An information extraction unit 410 for extracting at least one or more customer information for the personalized customer impression service from the transmitted customer approval information (and / or relayed through the internet banking server 1600), and the extracted customer information. It is characterized in that it comprises a information storage unit 420 for classifying by category to store in the predetermined customer information D / B.

According to the preferred embodiment of the present invention in Figure 16, the customer approval server 400 is shown as a predetermined server provided outside the financial system 100, but by this the present invention is not limited, the customer approval The server 400 is a predetermined server provided in the financial system 100 for customer approval according to the present invention, and / or a predetermined ledger server further provided with a customer approval function according to the present invention (or according to the present invention). A program recorded in a recording medium provided in the ledger server to provide a customer approval function according to the present invention; and / or the information system 110 (or customer approval according to the present invention) further provided with a customer approval function according to the present invention. Program to be recorded on the recording medium provided in the information system 110 to provide a function, by which the present invention is not limited.

In addition, the customer approval server 400 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to be implemented in a program, by which the present invention is not limited.

The information receiving unit 405 may receive the customer approval information transmitted from the client terminal (and / or relayed through the internet banking server 1600), and the intention of the person skilled in the art and / or the customer. Receiving the customer approval information from the financial transaction customer through a predetermined call center according to another implementation method for approval, and / or receiving the customer approval information from the financial transaction customer through a predetermined wireless server, and / Or receiving the customer approval information from the financial transaction customer through a predetermined DM sending center, and / or receiving the customer approval information from the financial transaction customer through a predetermined mail server.

According to the exemplary embodiment of the present invention, the information receiving unit 405 preferably provides the customer authentication information among the received customer approval information to the customer approval unit 415, and has a predetermined customer relationship to the customer approval information. When management (CRM) information is further included, the customer relationship management information is preferably provided (or extracted) to the information extraction unit 410.

The customer approval unit 415 authenticates the customer authentication information included in the customer approval information, thereby providing confidentiality, authentication, and integrity for the financial transaction customer approving the provision of the customized customer impression service. Integrity) and nonrepudiation.

If the customer approval information received from the client terminal (and / or relayed through the Internet banking server 1600) through the information receiving unit 405 according to an embodiment of the present invention, the customer The approval unit 415 decrypts the encrypted customer approval information, so as to secure authentication, integrity, and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

According to an exemplary embodiment of the present invention, a predetermined electronic signature is attached to the customer approval information received from the client terminal through the information receiving unit 405 (and / or received through the internet banking server 1600). If so, the customer approval unit 415 confirms the electronic signature attached to the customer approval information, thereby ensuring authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service. desirable.

Here, the process of confirming the electronic signature attached to the customer approval information may be performed by using the customer approval information as the public key of the financial transaction customer as the client terminal generates the message digest through the private key of the financial transaction customer. Preferably, the method includes encrypting to generate a predetermined message digest, and comparing the message digests with each other.

In addition, when the customer approval information includes a predetermined password (eg, a financial account password of the financial transaction customer) for the financial transaction customer, the customer approval unit 415 may select a predetermined database (eg, ledger D / B). By comparing the password stored in the) and the password included in the customer approval information, it is desirable to secure the authentication, integrity and non-repudiation that the financial transaction customer approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The customer approval unit 415 compares the biometric information of the financial transaction customer stored in a predetermined biometric database (not shown) with the biometric information included in the customer approval information, thereby providing the financial information. It is desirable to ensure authentication, integrity and non-repudiation that the trading customer has approved the provision of the customized customer satisfaction service.

When the financial transaction customer is approved to provide the customized customer impression service by the customer approval unit 415, the information extracting unit 410 may be configured to receive information from the ledger D / B provided in the financial system 100. Extracting at least one customer information corresponding to a customer ledger, and / or extracting at least one customer information corresponding to customer relationship management information provided on the DBMS, and / or the client terminal (and / or the Extracting at least one customer information corresponding to customer relationship management (CRM) information (eg, customer relationship management (CRM) information received by being included in the customer approval information) received from a customized customer impression service target customer) It is done.

According to the method of the present invention, the customer information extracted by the information extraction unit 410 is personal information (for example, the name, social security number, age, gender of the financial transaction customer to receive the customized customer service) , Phone number, mobile phone number, address, etc., financial information (eg, a branch (or branch) corresponding to the financial transaction customer), the financial transaction employee, the financial transaction customer's asset size , Investment products, etc. subscribed to by the financial transaction customer, customer relationship management (CRM) information (eg, hobby, taste, characteristics, etc.) of the financial transaction customer, and the financial transaction customer At least one or more anniversary information (for example, birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

When the customer information on the financial transaction customer is extracted by the information extracting unit 410, the information storage unit 420 classifies the customer information of the financial transaction customer by at least one or more categories, and provides predetermined customer information D. / B, wherein the customer information D / B is included on the DBMS provided on the financial system 100, and / or on an external network associated with the financial system 100 It is preferably included in a predetermined [DBMS], and / or included in a predetermined [DBMS] provided on an external network not associated with the financial system 100.

According to an exemplary embodiment of the present invention, the information storage unit 420 may classify and store the customer information into one or more categories corresponding to the personal information of the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the financial information about the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by a branch (or branch) category, and / or an employee category, an asset scale category, and / or an investment product category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the information storage unit 420 may store the customer information in a hobby category (eg, reading, hiking, fishing, ...), and / or a taste category (eg, favorite sport, color, entertainer, food, clothing, etc.). , ..., etc.), and / or by characteristic category (eg, customer's occupation, single / married, health status, ..., etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

FIG. 17 is a diagram illustrating a concept of classifying and storing customer information obtained by Internet banking based financial transaction according to an embodiment of the present invention by category.

In more detail, FIG. 17 illustrates that customer information of a financial transaction customer who has approved the provision of the customized customer impression service by the customer approval server 400 shown in FIG. 16 is classified and stored by at least one or more categories. As one of ordinary skill in the art of database technology, one of ordinary skill in the art will clearly understand that the customer information of the financial transaction customer is classified and stored in at least one category.

Referring to FIG. 17, the customer information D / B provided in the DBMS stores the customer information for the financial transaction customer in association with predetermined category information and stores the customer information for the financial transaction customer by the category information. The customer information for providing a customized head impression service is linked relationally with at least one category D / B.

18 is a diagram illustrating a customer approval process for providing a customized customer impression service during an internet banking-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 18 is a non-face-to-face financing method based on Internet banking through a customer approval system shown in FIG. 16 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. As a method of obtaining a customer approval for providing the customized customer service in a transaction process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 18. In order to infer various implementation methods for the customer approval and information storage process for the customized customer impression service target customer, the present invention includes all the implementation methods inferred, the implementation method shown in Figure 18 It is not limited to this.

In the following figure 18, the client terminal shown in figure 16 is referred to as " terminal " for convenience.

Referring to FIG. 18, when a predetermined financial transaction customer accesses the Internet banking server 1600 through a predetermined terminal and requests a predetermined financial transaction (1800), the Internet banking server 1600 sends the terminal to the terminal. Providing an interface screen corresponding to at least one internet banking-based non-face-to-face financial transaction corresponding to the requested financial transaction, wherein the terminal provides an internet banking-based non-face-to-face financial transaction procedure (eg, predetermined financial transaction information) through the interface screen; And the process of transmitting the financial transaction information to the internet banking server 1600 by attaching an encryption and / or an electronic signature through an authorized certificate of a financial transaction customer to the internet banking server 1600). Financial transaction information for banking-based financial transactions (e.g., withdrawal account (customer account) number, deposit account number, bank transfer for bank transfer transactions) When sending a payment account (customer accounts), password, and security code number, etc.), the banking server 1600 provides the received information to the banking financial system (100) (1805).

According to the exemplary embodiment of the present invention, the internet banking server 1600 may perform a procedure of decrypting the financial transaction information when the financial transaction information for the internet banking-based financial transaction received from the terminal is encrypted. And / or confirming the digital signature attached to the financial transaction information when a predetermined electronic signature is attached to the financial transaction information for the internet banking-based financial transaction received from the terminal.

Those skilled in the art to which the present invention pertains may include a method of decrypting the encrypted financial transaction information in the internet banking server 1600 and / or a method of confirming an electronic signature attached to the financial transaction information. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

Thereafter, the financial system 100 (eg, a ledger server provided in the financial system 100) is connected to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger). At least one corresponding financial transaction is processed, and a predetermined financial transaction result corresponding to the financial transaction processing is generated (1810).

Those skilled in the art to which the present invention pertains will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the terminal in response to each financial transaction. The detailed description of the non-face-to-face financial transaction process based on Internet banking is omitted for convenience.

Thereafter, the financial system 100 is connected to the ledger corresponding to the financial transaction information (for example, the customer ledger corresponding to the financial transaction customer) through the customer registration system shown in FIG. The registration information is verified (1815).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a financial transaction customer) may be performed by using the customer registration system shown in FIG. It is preferable to include a process of checking whether there is a service target customer registration information that is linked to the ledger through the process, and if the service target customer registration information exists, extracting the service target customer registration information.

If the service target customer registration information associated with the ledger is not confirmed (1820), the financial system 100 transmits the generated financial transaction result to the Internet banking server 1600 (1825). The internet banking server 1600 transmits the received financial transaction result to the terminal (1830), and the terminal completes the financial transaction processing by outputting the received financial transaction result (1835).

On the other hand, when the service target customer registration information linked to the ledger is confirmed (1820), the financial system 100 reads the confirmed service target customer registration information and provides the customized customer impression service to the financial transaction customer. Check whether to request the customer approval for (1840).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "customer not approved," It is advisable to confirm the request for customer approval for the provision of customized customer service.

If the financial transaction customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the service customer registration information corresponds to "non-registered customer" or "customer approval"). (1845), the financial system 100 transmits the generated financial transaction result to the internet banking server 1600 (1825), and the internet banking server 1600 outputs the received financial transaction result. In operation 1830, the terminal completes the financial transaction processing by outputting the received financial transaction result (1835).

On the other hand, if the financial transaction customer has to request the customer approval for providing the customized customer impression service (for example, if the registration status information included in the service target customer registration information corresponds to "non-approval") (1845), the financial system 100 generates predetermined customer approval request information, further includes the generated customer approval request information in the financial transaction result, and transmits the generated customer approval request information to the internet banking server 1600 (1850), and the internet banking server 1600 ) Includes the customer approval request information in the received financial transaction result and transmits it to the terminal (1855), and the terminal receives the financial transaction result and outputs the screen, wherein the customer approval request information is included in the financial transaction result. Check whether it is included (1860).

If the financial transaction result includes the customer approval request information (1865), the terminal receives predetermined customer approval information corresponding to the customer approval request information as shown in FIGS. 19 and / or 20 and / or 21. Input (or select) and transmit the data to the customer approval server 400 through the internet banking server 1600, and the customer approval server 400 performs a customer approval procedure and a customer information storing procedure through the customer approval information. do.

19 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during an internet banking-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 19 is an Internet banking-based non-face-to-face financing through a customer approval system shown in FIG. 16 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. In the transaction process, when customer approval information for providing the customized customer impression service is obtained from the client terminal shown in FIG. 18, the customized customer impression is sent to the financial transaction customer in the customer information D / B shown in FIG. FIG. 19 illustrates an implementation method for a process of classifying and storing predetermined customer information for providing a service by at least one category, and a person skilled in the art may refer to FIG. 19. Customer modifications and / or modifications to the customer subject to the customized customer service Would be able to infer a variety of exemplary methods for the save process, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 19.

For example, a person having ordinary knowledge in the art to which the present invention pertains may have obtained, when predetermined customer identification information for providing the customized customer impression service is obtained from the client terminal illustrated in FIG. 18 with reference to FIG. 19. While it may be possible to infer various implementation methods for processing customer approval for providing the customized customer impression service through at least one customer approval means based on the customer confirmation information, the present invention includes the inferred implementation method, Thereby, this invention is not limited.

In the following figure 18, the client terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the customer approval server 400 shown in FIG. 16 is referred to as "server" for convenience.

Referring to FIG. 19, if the customer approval request information is included in the financial transaction result received through the terminal through the same process as in FIG. 18, the terminal corresponds to the customer approval request information to the financial transaction customer. A request for inputting predetermined customer approval information is requested (1900).

If predetermined customer approval information corresponding to the customer approval request information is input from the terminal (1905), the terminal performs an encryption and / or an electronic signature attachment process on the customer approval information (1910), and the encryption and And / or transmit customer approval information with an electronic signature attached to the internet banking server 1600 via the network means (1915), and the internet banking server 1600 sends the customer approval with the encryption and / or digital signature attached thereto. Information is relayed to the server (1920).

According to an embodiment of the present invention, the encryption method for the customer approval information may include a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. It is preferable to include at least one of them.

In addition, the electronic signature attached to the customer approval information may generate a predetermined message digest by encrypting the customer approval information with the private key of the financial transaction customer, and attaching the generated message digest to the customer approval information. It is preferable to comprise.

Thereafter, the server receives the customer approval information to which the encryption and / or the electronic signature is attached from the internet banking server 1600 (1925), and decrypts and / or confirms the electronic signature of the received customer approval information. By performing a predetermined customer approval procedure including a check, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (1930).

According to an embodiment of the present invention, the customer approval information may be encrypted using at least one of a symmetric key based encryption method, a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. In the case of encryption by the method, the server decrypts the customer approval information through a predetermined decryption method corresponding to the encryption method.

In addition, when a message digest corresponding to a predetermined electronic signature is attached to the customer approval information, the server encrypts the customer approval information through the public key of the financial transaction customer to generate a predetermined message digest. By comparing the message digest, the digital signature attached to the customer approval information is confirmed.

In addition, when the customer approval information includes a predetermined password (eg, a financial account password of the financial transaction customer) for the financial transaction customer, the server is stored in a predetermined database (eg, ledger D / B). By comparing the password with the password included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The server compares the biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with the biometric information included in the customer approval information, thereby allowing the financial transaction customer to be customized. It is desirable to ensure authentication, integrity and non-repudiation of the approval of providing customer service.

If the customer approval for the customized customer service is not confirmed (1935), the server generates predetermined customer approval error information and transmits it to the internet banking server 1600 (1940), and the internet banking server 1600 ) Transmits and outputs the customer approval error information to the terminal (1945), thereby terminating the customer information storing process for providing a customized customer impression service according to the present invention.

On the other hand, if the customer approval for the customized customer service is confirmed (1935), the server extracts at least one or more customer information corresponding to the financial transaction customer (1950).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information received from the terminal (eg, customer relationship management (CRM) information received by being included in the customer approval information). It is desirable to extract at least one customer information corresponding to).

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products subscribed by a financial transaction customer, customer relationship management (CRM) information (e.g., hobbies, tastes, characteristics, etc.) of the financial transaction customer, anniversaries for the financial transaction customer It is preferable to include at least one information (for example, the birthday, wedding anniversary, etc. of the financial transaction customers and their families).

If at least one customer information of the financial transaction customer is extracted (1955), the server classifies the extracted customer information by at least one or more categories and stores it in predetermined customer information D / B (1960).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

20 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during an internet banking-based financial transaction according to another embodiment of the present invention.

More specifically, FIG. 20 is a non-face-to-face financing method based on Internet banking through a customer approval system shown in FIG. 16 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. In the transaction process, when customer approval information for providing the customized customer impression service is obtained from the client terminal shown in FIG. 18, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. As an embodiment of the present invention, a method of classifying and storing predetermined customer information for providing at least one or more categories is provided, and a person having ordinary knowledge in the art may refer to FIG. Or modify the customer approval and approval for the customer subject to the customized customer service Would be able to infer a variety of exemplary methods for the save process, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 20.

For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, when predetermined customer identification information for providing the customized customer impression service is obtained from the client terminal shown in FIG. 18 with reference to FIG. While it may be possible to infer various implementation methods for processing customer approval for providing the customized customer impression service through at least one customer approval means based on the customer confirmation information, the present invention includes the inferred implementation method, Thereby, this invention is not limited.

In the following figure 18, the client terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the customer approval server 400 shown in FIG. 16 is referred to as "server" for convenience.

Referring to FIG. 20, if the customer approval request information is included in the financial transaction result received through the terminal through the same process as in FIG. 18, the terminal corresponds to the customer approval request information to the financial transaction customer. A request for inputting predetermined customer approval information is requested (2000).

If predetermined customer approval information corresponding to the customer approval request information is input from the terminal (2005), the terminal performs an encryption and / or an electronic signature attachment process for the customer approval information (2010), and the encryption and And / or transmit the customer approval information with the electronic signature attached to the internet banking server 1600 through the network means (2015).

According to an embodiment of the present invention, the encryption method for the customer approval information may include a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. It is preferable to include at least one of them.

In addition, the electronic signature attached to the customer approval information includes encrypting the customer approval information with the private key of the financial transaction customer to generate a predetermined message digest, and attaching the generated message digest to the customer approval information. It is preferable to make it.

Thereafter, the internet banking server 1600 performs a process of decrypting the received customer approval information and / or confirming an electronic signature (2020).

According to an embodiment of the present invention, the customer approval information may be encrypted using at least one of a symmetric key based encryption method, a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. In the case of encryption by the method, the server decrypts the customer approval information through a predetermined decryption method corresponding to the encryption method.

In addition, when a message digest corresponding to a predetermined electronic signature is attached to the customer approval information, the server encrypts the customer approval information through the public key of the financial transaction customer to generate a predetermined message digest, and the message By comparing the digest, the digital signature attached to the customer approval information is confirmed.

If the decryption and / or electronic signature of the customer approval information is not confirmed in the Internet banking server 1600 (2025), the Internet banking server 1600 generates predetermined customer approval error information and transmits it to the terminal. By outputting (2030), the process of storing customer information for providing a customized customer impression service according to the present invention is terminated.

If the Internet banking server 1600 decrypts the customer approval information and / or confirms the electronic signature (2025), the Internet banking server 1600 receives the customer approval information from which the decryption and / or the electronic signature is confirmed. Relay transmission to the server (2035).

Thereafter, the server receives the customer approval information in which the decrypted and / or digital signature is confirmed from the Internet banking server 1600 (2040), and performs a predetermined customer approval procedure corresponding to the received customer approval information. In operation 2045, the financial transaction customer has approved the provision of the customized customer impression service.

According to an exemplary embodiment of the present invention, when the customer approval information includes a predetermined password (eg, a financial account password of a financial transaction customer) for the financial transaction customer, the server may have a predetermined database (eg, ledger D / By comparing the password stored in B) with the password included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The server compares the biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with the biometric information included in the customer approval information, thereby allowing the financial transaction customer to be customized. It is desirable to ensure authentication, integrity and non-repudiation of the approval of providing customer service.

If the customer approval for the customized customer service is not confirmed (2050), the server generates predetermined customer approval error information and transmits it to the Internet banking server 1600 (2055), and the Internet banking server 1600 ) Transmits and outputs the customer approval error information to the terminal (2060), thereby terminating the customer information storing process for providing a customized customer impression service according to the present invention.

On the other hand, if the customer approval for the customized customer service is confirmed (2050), the server extracts at least one customer information corresponding to the financial transaction customer (2065).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information received from the terminal (eg, customer relationship management (CRM) information received by being included in the customer approval information). It is desirable to extract at least one customer information corresponding to).

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information about the financial transaction customer is extracted (2070), the server classifies the extracted customer information by at least one or more categories and stores it in a predetermined customer information D / B (2075).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

FIG. 21 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during an internet banking-based financial transaction according to another embodiment of the present invention.

In more detail, FIG. 21 is a non-face-to-face financing method based on Internet banking through a customer approval system shown in FIG. 16 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. In the transaction process, when customer approval information for providing the customized customer impression service is obtained from the client terminal shown in FIG. 18, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. As an embodiment of the present invention, a method of classifying and storing predetermined customer information for at least one or more categories for providing the present invention will be described. Or modify the customer approval and approval for the customer subject to the customized customer service Would be able to infer a variety of exemplary methods for the save process, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 21.

For example, if a person of ordinary skill in the art of the present invention belongs, when predetermined customer identification information for providing the customized customer impression service is obtained from the client terminal shown in FIG. 18 with reference to FIG. 21, While it may be possible to infer various implementation methods for processing customer approval for providing the customized customer impression service through at least one customer approval means based on the customer confirmation information, the present invention includes the inferred implementation method, Thereby, this invention is not limited.

In the following figure 18, the client terminal shown in FIG. 16 is referred to as "terminal" for convenience, and the customer approval server 400 shown in FIG. 16 is referred to as "server" for convenience.

Referring to FIG. 21, if the customer approval request information is included in the financial transaction result received through the terminal through the same process as in FIG. 18, the terminal corresponds to the customer approval request information to the financial transaction customer. A request is made to enter predetermined customer approval information (2100).

If predetermined customer approval information corresponding to the customer approval request information is input from the terminal (2105), the terminal performs an encryption and / or an electronic signature attachment process for the customer approval information (2110), and the encryption and And / or directly transmits customer approval information with an electronic signature to the server through the network means (2115), and the server transmits the customer approval information with the encryption and / or digital signature to the terminal through the network means. Received directly from 2120.

According to an embodiment of the present invention, the encryption method for the customer approval information may include a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. It is preferable to include at least one of them.

In addition, the electronic signature attached to the customer approval information includes encrypting the customer approval information with the private key of the financial transaction customer to generate a predetermined message digest, and attaching the generated message digest to the customer approval information. It is preferable to make it.

Thereafter, by performing a predetermined customer approval procedure including decrypting the received customer approval information and / or confirming the electronic signature, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (2125). .

According to an embodiment of the present invention, the customer approval information may be encrypted using at least one of a symmetric key based encryption method, a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. In the case of encryption by the method, the server decrypts the customer approval information through a predetermined decryption method corresponding to the encryption method.

In addition, when a message digest corresponding to a predetermined electronic signature is attached to the customer approval information, the server encrypts the customer approval information through the public key of the financial transaction customer to generate a predetermined message digest, and the message By comparing the digest, the digital signature attached to the customer approval information is confirmed.

In addition, when the customer approval information includes a predetermined password (eg, a financial account password of the financial transaction customer) for the financial transaction customer, the server is stored in a predetermined database (eg, ledger D / B). By comparing the password with the password included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The server compares the biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with the biometric information included in the customer approval information, thereby allowing the financial transaction customer to be customized. It is desirable to ensure authentication, integrity and non-repudiation of the approval of providing customer service.

If the customer approval for the customized customer service is not confirmed (2130), the server generates predetermined customer approval error information and transmits it to the internet banking server 1600 (2135), and the internet banking server 1600 ) Transmits and outputs the customer approval error information to the terminal (2140), thereby terminating the customer information storing process for providing a customized customer impression service according to the present invention.

On the other hand, if the customer approval for the customized customer service is confirmed (2130), the server extracts at least one or more customer information corresponding to the financial transaction customer (2145).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information received from the terminal (eg, customer relationship management (CRM) information received by being included in the customer approval information). It is desirable to extract at least one customer information corresponding to).

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information about the financial transaction customer is extracted (2150), the server classifies the extracted customer information by at least one or more categories and stores the extracted customer information in a predetermined customer information D / B (2155).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

22 is a diagram illustrating a method of attaching an electronic signature to customer approval information in a client terminal according to an embodiment of the present invention.

More specifically, FIG. 22 is a method for performing an electronic signature process on predetermined approval data among at least one or more data included in the customer approval information in the client terminal, and has a general knowledge in the technical field to which the present invention pertains. However, various implementation methods for digitally signing the approval data in the terminal device may be inferred by referring to and / or modifying the drawing 22, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in 22.

In this figure 22 according to the embodiment of the present invention, the terminal-side private key is preferably read from the public certificate provided in the client terminal, and the public certificate is stored in a predetermined memory unit provided in the client terminal. And / or stored in an ID-000 type IC chip (or IC card) mounted on or detached from the client terminal, and / or the IC card reader when a predetermined IC card reader is provided in the client terminal. All of them can be stored in the inserted IC card, and the present invention is not limited thereby.

Referring to FIG. 22, when predetermined approval data is generated at the terminal device of the client terminal (2200), the terminal device may specify a predetermined one-way hash function (for example, a hash code having a predetermined length regardless of the length of the approval data). A one-way hash function that generates a message digest including a hash code, and cannot identify (or infer) the original message via the hash code (or message digest). The receiving side generates the predetermined message digest from the acknowledgment data through the same hash function (2205).

Here, the one-way hash function is characterized by being defined as the same one-way hash function defined in the customer approval server 400 for confirming the digital signature according to this figure 22.

Thereafter, the terminal device extracts a predetermined terminal side private key for encrypting the message digest from the authorized certificate (2210), and encrypts the message digest using the extracted terminal side private key (2215).

Herein, the encryption function of the terminal apparatus is called E (Encryption), the terminal side private key is k1 (key), the message digest is M (Messge digest), and the message side encrypted with the terminal side private key is C ( Ciphertext), the encryption function of the terminal device can be expressed by an expression such as "Ek1 (M) = C".

According to an embodiment of the present invention, an algorithm for encrypting the message digest by the terminal device through the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above-mentioned. No.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the terminal device can be expressed as" C = Ek1 (M) = Me mod n ".

Thereafter, the terminal device concatenates the authentication data and the message digest encrypted with the terminal-side private key to generate predetermined customer approval information (2220), and the generated customer approval information is then encrypted using at least one encryption method. Can be.

FIG. 23 is a diagram illustrating a method for confirming an electronic signature attached to customer approval information in the customer approval server 400 according to an embodiment of the present invention.

More specifically, FIG. 23 illustrates an embodiment of the present invention in which the customer approval server 400 checks an electronic signature of customer approval information received by attaching a predetermined electronic signature from the client terminal. If it is common knowledge, various implementation methods for confirming the electronic signature for the customer approval information with the electronic signature attached to the terminal device can be inferred by referring to and / or modifying the drawing 23, but the present invention Includes all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In this figure 23 according to an embodiment of the present invention, the terminal-side public key for confirming the electronic signature is preferably extracted from a predetermined directory operated and managed by a certification authority that issues the certificate to the client terminal. And / or a copy of a certificate including the terminal-side public key may be further attached from the client terminal and received by the customer approval server 400 (not shown), thereby limiting the present invention.

Referring to FIG. 23, when predetermined traffic data is provided to the customer approval unit 415 (2300), the customer approval unit 415 may receive a predetermined directory and / or the customer approval operated and managed by the certification authority. The terminal-side public key for decrypting the message digest encrypted with the terminal-side private key is extracted from the information (2305), and the encrypted message digest is decrypted through the extracted terminal-side public key (2310).

Here, the decryption function of the digital signature checker is called D (Decryption), and the message digest encrypted with the terminal-side public key k2 (key) and the terminal-side private key is decrypted with C (Ciphertext) and the terminal-side public key. When the message digest to be referred to as M (Message digest), the function of the digital signature checker to decrypt the encrypted message digest can be expressed by a formula such as "Dk2 = M, or Dk2 (Ek (M)) = M". .

According to an embodiment of the present invention, an algorithm for decrypting a message digest encrypted by the terminal-side private key from the client terminal through the terminal-side public key may be RSA (Ron Rivest, Adi Shamir, Len Adleman). , Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms may be used. The decryption algorithm is matched with an encryption algorithm used in the client terminal, and the present invention is not limited to a specific decryption algorithm.

For example, in the case of decoding the message digest through the RSA decryption algorithm, among the decryption algorithms, n is a published method used in the decryption process, n is a non-disclosed prime number with different prime factors of n and a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). ) (b-1) ", wherein the decryption function of the digital signature verification unit may be expressed as" M = Dk2 = Cd mod n ".

Thereafter, the customer approval unit 415 generates a predetermined message digest by applying a one-way hash function identical to the one-way hash function generated by the client terminal to the approval data included in the customer approval information (2315). In operation 2320, the validity of the grant data is verified by comparing the generated message digest with the decrypted message digest.

If the generated message digest coincides with the decrypted message digest (2325), the customer approval unit 415 determines the confidentiality, authentication, integrity, and nonrepudiation of the authorization data. Non-repudiation) and the like are secured (2330).

On the other hand, if the generated message digest and the decrypted message digest do not match (2325), the customer approval unit 415 treats the approval data as invalid.

24 is a diagram illustrating a method for encrypting and transmitting customer approval information in a symmetric key (or secret key) method in a client terminal according to an exemplary embodiment of the present invention.

More specifically, FIG. 24 illustrates an embodiment of the present invention for encrypting and transmitting the customer approval information in a symmetric key (or secret key) manner, provided that the terminal device has general knowledge in the technical field to which the present invention pertains. Although various embodiments of the present invention may be inferred by referring to and / or modifying the present invention, the terminal apparatus encrypts the customer approval information in a symmetric key (or secret key) manner. It is not limited to the implementation method shown in FIG.

In this figure 24 according to an embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the client terminal, and the public certificate is a predetermined memory unit provided in the client terminal. And / or stored in an IC chip (or IC card) in the form of ID-000 mounted on or detached from the client terminal, and / or when the client terminal is equipped with a predetermined IC card reader. All of them can be stored in an IC card inserted in the card reader, and the present invention is not limited thereto.

According to another embodiment of the present invention, the symmetric key (or secret key) is included in the interface screen provided from the customer approval server 400 to the client terminal in addition to the public certificate, and / or the customer on the client terminal. It is all possible to be embedded on the communication program to communicate with the authorization server 400, whereby the invention is not limited.

Referring to FIG. 24, when predetermined customer approval information of the client terminal is generated (2400), the terminal device uses a predetermined symmetric key (or secret key) for encrypting customer approval information from an authentication certificate provided in the client terminal. ), And encrypts the customer approval information through the read symmetric key (or secret key) (2410).

Here, the encryption function of the terminal device is called E (Encryption), the symmetric key (or secret key) is k (key), the customer approval information is P (Plaintext), and the symmetric key (or secret key) When the encrypted customer approval information is referred to as C (Ciphertext), the encryption function of the terminal device can be expressed by an expression such as "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information through the symmetric key (or secret key) by the terminal device, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International) It is preferable to include at least one or more of Data Encryption Algorithm, and in addition, various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the customer approval information is encrypted through the symmetric key (or the secret key) as described above, the terminal device transmits the encrypted customer approval information to the internet banking server 1600 through the network means, and the internet banking server. 1600 transmits the encrypted customer approval information to the customer approval server 400 (2415).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, and the present invention is not limited thereto.

FIG. 25 illustrates a method of decrypting customer approval information encrypted and received by the customer approval server 400 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 25 illustrates a method of decrypting the customer approval information encrypted and received from the terminal device by a symmetric key (or secret key) method in the customer approval server 400. Those skilled in the art can refer to and / or modify this figure 25 to infer various implementation methods for decrypting the encrypted customer approval information in a symmetric key (or secret key) manner in the terminal device. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 25 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the customer approval server 400, the public certificate is the customer approval server 400 Is preferably stored in a predetermined database (not shown) that cooperates with, and the present invention is not limited thereto.

Referring to FIG. 25, the information receiving unit 405 of the customer approval server 400 receives at least one packet including the encrypted customer approval information through the network means, and from the received packet, the client terminal. In step 2500, the customer approval information encrypted through the symmetric key (or secret key) is restored (or generated) and provided to the customer approval unit 415.

Thereafter, the customer approval unit 415 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted customer approval information from the authorized certificate provided in the customer approval server 400 (2505). The encrypted customer approval information is decrypted through the extracted symmetric key (or secret key) (2510).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), and the customer approval information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key) is C. (Ciphertext) and the decrypted customer approval information is P (Plaintext), the function of the customer approval unit 415 decrypting the encrypted customer approval information is "Dk = P, or Dk (Ek (P)). ) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted customer approval information through the symmetric key (or secret key) by the customer approval unit 415 may include SEED, Data Encryption Standard (DES), and Triple-DES. It is preferable to include at least one of Skipjack, International Data Encryption Algorithm (IDEA), and various other decryption algorithms may be used, but the decryption algorithm is matched with the encryption algorithm used in the client terminal. The present invention is not limited by the specific decoding algorithm.

When the customer approval information encrypted through the symmetric key (or the secret key) is decrypted as described above, the customer approval unit 415 reads the decrypted customer approval information so that the financial transaction customer provides the customized customer impression service. Perform the process of confirming approval.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

FIG. 26 is a diagram illustrating a method of encrypting and transmitting customer approval information in a public key infrastructure structure in a client terminal according to an embodiment of the present invention.

In more detail, the present invention relates to a method for encrypting and transmitting the customer approval information in a public key infrastructure scheme in the terminal device. If the user has general knowledge in the technical field to which the present invention pertains, FIG. By referring to and / or modifying the present invention, various implementation methods of encrypting the customer approval information in a public key scheme may be inferred, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited to the implemented method.

In this figure 26 according to an embodiment of the present invention, the server-side public key is preferably read from the public certificate provided in the client terminal, and the public certificate is stored in a predetermined memory unit provided in the client terminal. And / or stored in an ID-000 type IC chip (or IC card) mounted on or detached from the client terminal, and / or the IC card reader when a predetermined IC card reader is provided in the client terminal. All of them can be stored in the inserted IC card, and the present invention is not limited thereby.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the certificate to the client terminal, and the present invention is not limited thereto.

Referring to FIG. 26, when predetermined customer approval information of the client terminal is generated (2600), the terminal device extracts a predetermined server-side public key for encrypting the customer approval information from the authorized certificate. In operation 2605, the customer approval information is encrypted using the extracted server-side public key (2610).

Here, the encryption function of the terminal device is called E (Encryption), the server-side public key is k1 (key), the customer approval information is P (Plaintext), and the customer approval information encrypted with the server-side public key is C. Suppose (Ciphertext), the encryption function of the terminal device can be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information through the server-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH ( It is preferable to include at least one or more of Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, and various other encryption algorithms may be used, but the present invention is limited by a specific encryption algorithm. Not.

For example, in the case of encrypting the customer approval information through the RSA encryption algorithm among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a non-disclosed prime number with different prime factors of n b, if the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a- 1) (b-1) ", wherein the encryption function of the terminal device can be expressed as" C = Ek1 (P) = Pe mod n ".

When the customer approval information is encrypted through the server-side public key as described above, the terminal device transmits the encrypted customer approval information to the internet banking server 1600 through the network means, and the internet banking server 1600. Transmits the encrypted customer approval information to the customer approval server 400 (2615).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

FIG. 27 illustrates a method for decrypting customer approval information encrypted and received by the customer approval server 400 according to an embodiment of the present invention using a public key infrastructure.

More specifically, FIG. 27 illustrates an embodiment of a method for decrypting the customer approval information encrypted and received from the terminal device in a public key infrastructure structure in the customer approval server 400. With reference to FIG. 27, various implementation methods for deciphering customer approval information encrypted with the server-side public key in the public key infrastructure scheme can be inferred by referring to and / or modifying the present invention. The present invention encompasses all of the inferred practice methods, and is not limited to the practice method shown in FIG.

In FIG. 27 according to the embodiment of the present invention, the server-side private key for decrypting the customer approval information encrypted with the server-side public key in a public key infrastructure scheme is obtained from the public certificate provided in the customer approval server 400. Preferably, the certificate is stored in a predetermined database (not shown) interworking with the customer approval server 400, and thus the present invention is not limited thereto.

Referring to FIG. 27, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including customer approval information encrypted through the network means, and at the client terminal from the received packets. The customer approval information encrypted and transmitted is restored (or generated) and provided to the customer approval unit 415 (2700).

Thereafter, the customer approval unit 415 extracts a server side private key for decrypting the encrypted customer approval information from the authorized certificate provided in the customer approval server 400 (2705), and the extracted server side individual. The encrypted customer approval information is decrypted through a key (2710).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the server-side private key is k2 (key), and the customer approval information encrypted with the server-side public key is C (Ciphertext), and the server. If the customer approval information decrypted with the side private key is P (Plaintext), the function of the customer approval unit 415 decrypting the encrypted customer approval information is "Dk2 = P, or Dk2 (Ek (P)) = P". Can be expressed as an expression such as "

According to an embodiment of the present invention, the algorithm for decrypting the customer approval information encrypted by the server-side public key in the client terminal through the server-side private key, RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. The decryption algorithm may be matched with an encryption algorithm used in the client terminal, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the customer approval information through the RSA decryption algorithm of the public key based decryption algorithm, n is a public method (Modulus) used in the decryption process, n, a prime number that is not disclosed with different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e, the undisclosed index is d, the n satisfies "n = a * b", d is "de = 1 mod (a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Dk2 = Cd mod n ".

When the customer approval information encrypted with the server-side public key is decrypted by the client terminal through the server-side private key as described above, the customer approval unit 415 reads the decrypted customer approval information so that the financial transaction customer is customized. The process of confirming that the approval of the provision of customer impression service is performed.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

28 is a diagram illustrating a method of encrypting and transmitting customer approval information in an electronic envelope method in a client terminal according to an embodiment of the present invention.

More specifically, Figure 28 is an embodiment of the method for encrypting and transmitting the customer approval information in an electronic envelope method in the terminal device, if there is a general knowledge in the technical field to which the present invention belongs, see Figure 28 And / or may be modified to infer various implementation methods for encrypting the customer approval information in an electronic envelope method in the terminal device, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited to the method.

In this figure 28 according to the embodiment of the present invention, the server-side public key is preferably read from the public certificate provided in the client terminal, and the public certificate is stored in a predetermined memory unit provided in the client terminal. And / or stored in an ID-000 type IC chip (or IC card) mounted on or detached from the client terminal, and / or the IC card reader when a predetermined IC card reader is provided in the client terminal. All of them can be stored in the inserted IC card, and the present invention is not limited thereby.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the certificate to the client terminal, and the present invention is not limited thereto.

Referring to FIG. 28, when predetermined customer approval information of the client terminal is generated (2800), the terminal device determines that the terminal device encrypts the customer approval information by a secret key (symmetric key) method. A random secret key is generated (2805), and the customer approval information is encrypted using the generated secret key (2810).

Here, the encryption function of the terminal device is called E (Encryption), the secret key is r (random secret key), the customer approval information is P (Plaintext), and the customer approval information encrypted with the secret key is C ( Ciphertext), the encryption function of the terminal device can be expressed by a formula such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information by the terminal device through the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data Encryption Algorithm) It is preferable to include at least one or more, and various forms of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm.

Thereafter, the terminal device encrypts the secret key (random secret key) used to encrypt the customer approval information. For this purpose, the terminal device extracts a predetermined server-side public key from the public certificate (2815), and The secret key is encrypted using a server side public key (2820).

Herein, the encryption function of the terminal device is called E (Encryption), the server-side public key is k1 (key), the secret key is r (random Secret key), and the server-side public key is encrypted with C. In the case of (Ciphertext), the encryption function of the terminal device can be expressed by a formula such as "Ek1 (r) = C".

According to an embodiment of the present invention, an algorithm for encrypting the secret key by the terminal apparatus through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the terminal device can be expressed as" C = Ek1 (r) = re mod n ".

If the customer approval information is encrypted with the secret key and the secret key is encrypted with the server-side public key, the terminal device associates the customer approval information encrypted with the secret key with the secret key encrypted with the server-side public key. Generate transaction data, and transmit the encrypted transaction data to the internet banking server 1600 via the network means, wherein the internet banking server 1600 sends the encrypted transaction data to the customer authorization server 400; Transmit (2825).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

29 is a diagram illustrating a method of decrypting customer approval information encrypted and received by the customer approval server 400 according to an embodiment of the present invention by an electronic envelope method.

More specifically, FIG. 29 illustrates an embodiment of a method of decrypting the transaction data by an electronic envelope method in a customer approval server 400 that receives the transaction data including the encrypted customer approval information from the terminal device. Those skilled in the art may refer to and / or modify this drawing 29 to infer various implementation methods for decrypting the transaction data encrypted by the electronic envelope method in the same electronic envelope method in the terminal device. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In this figure 29 according to the embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate provided in the customer approval server 400, and the public certificate. Is preferably stored in a predetermined database (not shown) in conjunction with the customer approval server 400, whereby the present invention is not limited.

Referring to FIG. 29, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including predetermined transaction data including encrypted customer approval information through the network means. The transaction data including the customer approval information encrypted and transmitted by the client terminal from the received packet is restored (or generated) and provided to the customer approval unit 415 (2900).

Thereafter, the customer approval unit 415 extracts a server side private key for decrypting an encrypted secret key included in the transaction data from the authorized certificate provided in the customer approval server 400 (2905), and extracts the server-side private key. Decrypts the secret key encrypted with the server-side public key in the client terminal through the server-side private key (2910), extracts a predetermined secret key for decrypting the customer approval information (2915), and extracts the extracted secret By decrypting the customer approval information using a key (2920), the client approval information encrypted with the secret key is extracted from the client terminal (2925).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the server-side private key is k2 (key), and the secret key encrypted with the server-side public key is C (Ciphertext), and the server. When the secret key decrypted with the side private key is r (random secret key), the function of the customer approval unit 415 to decrypt the encrypted secret key is "Dk2 = r, or Dk2 (Ek1 (r)) = r". Can be expressed as an expression such as "

According to an embodiment of the present invention, the algorithm for the customer approval unit 415 to decrypt the secret key encrypted with the server-side public key in the client terminal through the server-side private key, RSA (Ron Rivest, Adi Shamir, Len) Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used The decryption algorithm may be matched with the encryption algorithm used in the client terminal, and the present invention is not limited to the specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the secret key is r (random secret key), the customer approval information encrypted with the secret key (C (Ciphertext)), and the decryption. When the customer approval information is called P (Plaintext), the function of the customer approval unit 415 to decrypt the encrypted customer approval information is expressed as "Dr = P, or Dr (Er (P)) = P". It can be expressed as

According to the embodiment of the present invention, the algorithm for the customer approval unit 415 to decrypt the encrypted customer approval information through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably includes at least one or more, and various other decryption algorithms may be used, but the decryption algorithm is characterized in that it matches the encryption algorithm used in the client terminal, The present invention is not limited by the decoding algorithm.

When the customer approval information is decrypted as described above, the customer approval unit 415 reads the decrypted customer approval information and checks whether the financial transaction customer has approved the provision of the customized customer impression service.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

30 is a diagram illustrating a method for encrypting and transmitting customer approval information in a key exchange method in a client terminal according to an exemplary embodiment of the present invention.

More specifically, Figure 30 is an embodiment of the method for encrypting and transmitting the customer approval information in a key exchange method in the terminal device, if it has a general knowledge in the technical field to which the invention belongs, and reference to this figure 30 And / or may be modified to infer various implementation methods for encrypting the customer approval information in a key exchange method in the terminal device, but the present invention includes all the inferred implementation methods and is shown in FIG. 30. It is not limited to this.

In the figure 30 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are preferably read from the public certificate provided in the client terminal, and the public certificate is provided in the client terminal. Is stored in a memory unit and / or is stored in an IC chip (or IC card) of ID-000 type mounted on or detached from the client terminal, and / or a predetermined IC card reader is provided in the client terminal. All of them can be stored in an IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate to the client terminal, thereby limiting the present invention. Not.

Referring to FIG. 30, when predetermined customer approval information of the client terminal is generated (3000), the terminal device may transmit the customer approval information to a predetermined one-way hash function (eg, the length of the customer approval information). A one-way hash function that generates a Message Digest that contains a hash code of any length, and cannot identify (or infer) the original message via the hash code (or message digest). Hash Function) The client terminal and the customer approval server 400 generate a predetermined message digest through the same hash function (3005), and digitally sign the message digest by encrypting the message digest through the terminal-side private key. (3010).

Here, the encryption function of the terminal device is called E (Encryption), the terminal side private key is t1 (terminal side key), the message digest is m (message digest), and the message digest encrypted with the terminal side private key. Speaking of C (Ciphertext), the digital signature function of the terminal device can be expressed by a formula such as "Et1 (m) = C".

According to an embodiment of the present invention, an algorithm for encrypting the message digest by the terminal device through the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above-mentioned. No.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the terminal device can be expressed as" C = Et1 (m) = me mod n ".

In addition, the terminal device generates a predetermined random secret key for encrypting the customer approval information using a secret key (symmetric key) method (3015), the customer approval information and the terminal side The message digest encrypted with the private key and a copy of a certificate (for example, a certificate including a terminal side public key) included in the public certificate are linked to each other and encrypted through the generated private key (3020).

Here, the encryption function of the terminal device is called E (Encryption), the secret key is r (random secret key), the customer approval information and the copy of the certificate P (Plaintext), and the customer approval information encrypted with the secret key and If the copy of the certificate is referred to as C (Ciphertext), the encryption function of the terminal device can be expressed by a formula such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information and the copy of the certificate through the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data Encryption). It is preferable to include at least one of the algorithm (Algorithm), and various forms of encryption algorithm may be used, but the present invention is not limited by a specific encryption algorithm.

In addition, the terminal apparatus extracts a predetermined server-side public key from the authorized certificate in order to encrypt the private key that encrypts the customer approval information (3025), and uses the server-side public key to obtain the customer approval information. The encrypted secret key is encrypted (3030).

Here, the encryption function of the terminal apparatus is called E (Encryption), the server side public key is s1 (server side key), the secret key is r (random secret key), and the secret key encrypted with the server side public key. If C (Ciphertext), the encryption function of the terminal device can be expressed by a formula such as "Es1 (r) = C".

According to an embodiment of the present invention, an algorithm for encrypting the secret key by the terminal apparatus through the server-side public key includes RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the terminal device can be expressed as" C = Es1 (r) = re mod n ".

A copy of a certificate including the message digest encrypted with the customer approval information and the terminal-side private key and the terminal-side public key is linked and encrypted with the generated secret key, and the secret key is encrypted with the server-side public key. When encrypted, the terminal apparatus encrypts a copy of a certificate including the message digest and the terminal-side public key encrypted with the customer approval information encrypted with the secret key and the terminal-side private key with the server-side public key. Generate predetermined transaction data in association with the network, and transmit the encrypted transaction data to the internet banking server 1600 via the network means, and the internet banking server 1600 transmits the encrypted transaction data to the customer approval. The server 400 transmits the data to the server 400 (3035).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

31 is a diagram illustrating a method of decrypting customer approval information encrypted and received by a customer approval server 400 according to an embodiment of the present invention by a key exchange method.

More specifically, Figure 31 is a method for decrypting the transaction data in a key exchange method in the customer approval server 400 receives the transaction data including the encrypted customer approval information from the terminal device, the present invention Those skilled in the art may refer to and / or modify this drawing 31 to infer various implementation methods for decrypting the transaction data encrypted by the key exchange method in the same key exchange method in the terminal device. As will be appreciated, the invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

In this figure 31 according to the embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are preferably read from the public certificate provided in the customer approval server 400. And, the official certificate is preferably stored in a predetermined database (not shown) that interoperates with the customer approval server 400, whereby the present invention is not limited.

Referring to FIG. 31, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including transaction data including encrypted customer approval information through the network means. Restore (or generate) the transaction data including the customer approval information encrypted and transmitted from the packet to the client terminal (3100), and provide the restored (or generated) transaction data to the customer approval unit (415) ( 3100).

Thereafter, the customer approval unit 415 extracts the server-side private key from the public certificate provided in the customer approval server 400 in order to decrypt the secret key encrypted with the server-side public key (3110). By decrypting the secret key through the side private key (3115), the secret key for decrypting a copy of the certificate including the message digest encrypted with the customer approval information and the terminal side private key and the terminal side public key is extracted. (3120).

Here, the decryption function of the customer approval unit 415 is referred to as D (Decryption), the server side private key is s2 (server side key), the secret key encrypted with the server side public key is C (Ciphertext), and When the secret key decrypted with the server-side private key is r (random secret key), the function of the customer approval unit 415 to decrypt the encrypted secret key is "Ds2 = r, or Ds2 (Es1 (r)) = r ".

According to an embodiment of the present invention, the algorithm for the customer approval unit 415 to decrypt the secret key encrypted with the server-side public key in the client terminal through the server-side private key, RSA (Ron Rivest, Adi Shamir, Len) Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used The decryption algorithm may be matched with the encryption algorithm used in the client terminal, and the present invention is not limited to the specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the customer approval unit 415 includes a certificate including the message digest and the terminal side public key encrypted with the customer approval information and the terminal side private key using the extracted secret key. By decrypting the copy (3125), a copy of the certificate including the customer approval information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the customer approval unit 415 is referred to as D (Decryption), the secret key is r (random secret key), the customer authentication information encrypted with the secret key and the message digest encrypted with the terminal-side private key And C (Ciphertext) a copy of the certificate including the terminal-side public key, and P (Plaintext) a copy of the certificate including the message digest encrypted with the decrypted customer approval information and the terminal-side private key and the terminal-side public key. ), The function of decrypting the copy of the certificate including the message digest encrypted with the encrypted customer approval information and the terminal-side private key and the terminal-side public key is “Dr = P,”. Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the customer approval unit 415 copies a certificate including the message digest encrypted with the encrypted customer approval information and the terminal-side private key and the terminal-side public key through the secret key. The decryption algorithm may include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. The decryption algorithm is matched with an encryption algorithm used in the client terminal, and the present invention is not limited to a specific decryption algorithm.

In addition, the client approval unit 415 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (3130), thereby generating a message digest generated and transmitted from the customer approval information in the client terminal. Extract (3135).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the When the message digest decrypted with the terminal-side public key is m (Message Digest), the function of the customer approval unit 415 decrypting the encrypted message digest is "Dt2 = m, or Dt2 (Es1 (r)) = m It can be expressed as an expression such as ".

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the client terminal in the client terminal through the terminal-side public key is RSA (Ron Rivest, Adi Shamir, Len). Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used The decryption algorithm may be matched with the encryption algorithm used in the client terminal, and the present invention is not limited to the specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the customer approval unit 415 generates a predetermined message digest through the same one-way hash function with the received customer approval information (3140), and then generates the generated message digest and the decrypted message. By comparing the digest (3145), the validity of the received customer approval information is verified.

If the generated message digest coincides with the decrypted message digest (3150), the customer approval unit 415 reads the decrypted customer approval information to determine whether the financial transaction customer has approved the provision of the customized customer impression service. Perform the verification process.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

32 is a diagram illustrating a customer approval system for a customized customer impression service using a wireless banking-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 32 shows that the predetermined customer service target customer registration information as shown in FIG. 2A is obtained through the customer registration process shown in FIGS. 3A and / or 3B through the customer registration system shown in FIG. And / or stored in a predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 2B, and then wirelessly based on the banking system 100. As the financial transaction customer in the non-face-to-face financial transaction process for the implementation method for approving the provision of the customized customer impression service, those skilled in the art to which the present invention pertains, see FIG. Or modified to implement various methods of approving the customized customer impression service by the financial transaction customer in the wireless banking based non-face-to-face financial transaction process. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 32 to customize customer impression service target customer approval system using a predetermined financial transaction based on IC chip-based wireless banking. It may be inferred that, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention pertains, the customer approval system subject to customized customer impression service using a home banking-based financial transaction using at least one or more wireless communication network by referring to and / or modifying the drawing 32, and A customer approval system for a customized customer impression service using a telebanking-based financial transaction using at least one wireless communication network, and / or a customer approval system for a customized customer impression service using a TV banking-based financial transaction using at least one wireless communication network. It may be inferred that, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

The financial system 100 for providing a wireless banking based non-face-to-face financial transaction opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account. A computer system provided to a financial institution for the purpose of: accounting 105 for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window); And an interconnection between the information system 110 which processes customer information management, the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, Access to the financial system 100 from banking, telebanking, TV banking, etc.) and / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 115, and the financial system 100 may further include an interface module 120 corresponding to a middleware platform that provides interfacing between components in the financial system 100, and the financial system 100. Certain information (eg, ledger information, and / or management information) required for each function in a component in system 100 is obtained while the financial institution processes a financial transaction to the financial transaction customer. And a DBMS including at least one database for storing and managing a customer relationship management (CRM) information. The.

In addition, the financial system 100 may interface with a predetermined wireless banking server 3200 through a predetermined interface means to provide the wireless banking based non-face-to-face financial transaction. 3200) characterized in that to perform at least one or more ledger-based financial transaction procedures requested.

According to the method of the present invention, the wireless banking server 3200 is interlocked with the financial system 100 through the external system 115, and for this purpose, the external system 115 is connected to the external system through a predetermined interface means. It is preferable to include a component for interworking with the wireless banking server 3200.

Referring to FIG. 32, the wireless banking server 3200 may include an interface unit 1610 for connecting and managing a predetermined communication channel for wireless banking through at least one wireless terminal and a predetermined network means, and the interface unit ( A wireless banking unit 1625 for processing a non-face-to-face wireless banking-based financial transaction to at least one wireless terminal through a communication channel provided by 1610, and a non-face-to-face radio provided by the wireless banking unit 1625. In the banking process, when the predetermined customer approval request information for requesting approval of providing the customized customer impression service is received from the financial system 100 corresponding to the wireless terminal, the wireless banking unit transmits the customer approval request information. The interface 1625 is included in the interface screen provided to the wireless terminal through the interface unit 1610 to output When the customer approval information corresponding to the customer approval request information is received from the wireless terminal through the study 1615 and the communication channel provided by the interface unit 1610, the customer approval information is stored in a predetermined customer approval server 400. And an information processing unit 1620 for relay transmission to the wireless terminal, wherein the interface providing unit 1615 inputs (or selects) the customer approval information to the wireless terminal through the interface unit 1610. Characterized by providing a predetermined interface screen to output.

According to another exemplary embodiment of the present invention, when predetermined customer confirmation information corresponding to the customer approval request information is received from the wireless terminal through a communication channel provided by the interface unit 1610, the information processing unit 1620 is provided. It characterized in that the relay transmission of the received customer confirmation information to the customer approval server (400).

According to an embodiment of the present invention, the wireless banking server 3200 is provided on a wireless communication network (for example, a CDMA stack based mobile communication network and / or an IEEE 802.16x based mobile Internet) to which the wireless terminal is connected. And / or may be provided in a computer system of a financial institution equipped with the financial system 100, and thus the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, the wireless banking unit 1625, through the communication channel provided by the interface unit 1610 according to the wireless banking procedures defined by each financial institution (the financial system ( Since you will be familiar with the procedure for providing a non-face-to-face wireless banking service in connection with 100), the wireless banking unit 1625 includes a web page method and / or a banking program type non-face-to-face financial transaction procedure. Detailed description of providing the banking service will be omitted for convenience.

According to an embodiment of the present invention, the network means includes a CDMA stack-based mobile communication network, and the wireless banking unit 1625 has a WAP / ME (Wireless Application Protocol / Mobile Explorer) type of non-face-to-face financial transaction procedure. When providing a wireless banking service comprising a, the interface unit 1610 connects a predetermined communication channel based on the CDMA stack with the wireless terminal, and the WML (Wireless Markup Language) and the wireless terminal through the communication channel And / or transmits and outputs a wireless banking related interface screen and / or information providing screen in the form of an HTML compatible document, and receives and processes predetermined financial transaction information input (or selected) through the wireless banking related interface screen from the wireless terminal. It is desirable to perform the function.

According to another exemplary embodiment of the present invention, when the wireless banking unit 1625 provides a wireless banking service including a non-face-to-face financial transaction procedure of a banking program method, the interface unit 1610 is provided in the wireless terminal. Connect a predetermined communication channel based on a predetermined banking program and a banking protocol defined by the financial institution, and transmit the financial transaction interface information corresponding to the banking protocol to the wireless terminal through the communication channel to the banking program. Outputting a predetermined wireless banking related interface screen and / or information providing screen and receiving and processing predetermined financial transaction information input (or selected) through the wireless banking related interface screen from the banking program included in the wireless terminal; It is desirable to perform the function.

According to the present invention, the financial system 100 processes the request from the wireless banking server 3200 (for example, the wireless banking unit 1625 provided in the wireless banking server 3200), and the result is the financial network. In the process of transmitting to the wireless banking server 3200 through, the financial system 100 is processed in connection with the customer ledger of the customer of the financial transaction, stored in the service target customer registration information, and / or the customer ledger is processed Confirm the service target customer registration information stored in the predetermined customer registration information D / B, and if the registration status of the service target customer registration information corresponds to "customer unapproved", the financial transaction customer The mobile terminal further includes predetermined customer approval request information for requesting approval to provide the customized customer satisfaction service to the wireless banking server 3200.

When the financial transaction result further includes the customer approval request information, the wireless banking server 3200 (for example, the wireless banking unit 1625 provided in the wireless banking server 3200) may wirelessly transmit the financial transaction result. In the process of transmitting and outputting to the terminal, the interface providing unit 1615 further includes the customer approval request information in the financial transaction result and transmits and outputs it to the wireless terminal, thereby providing the customized customer impression service to the financial transaction customer. Ask for approval to be provided.

According to the present invention, the interface providing unit 1615 may provide the wireless banking related interface screen and / or information provided by the wireless banking unit 1625 to the wireless terminal through a communication channel provided by the interface unit 1610. And providing predetermined customer approval request information on a providing screen. In this case, the customer approval request information is further included in the wireless banking related interface screen and / or information providing screen output to the wireless terminal. Is output.

Subsequently, when the wireless terminal desires to input (or select) predetermined customer approval information in response to the customer approval request information, the interface provider 1615 sends the wireless terminal to the wireless terminal through the interface unit 1610. And providing and outputting a predetermined interface screen for inputting (or selecting) customer approval information.

According to an embodiment of the present invention, when the wireless banking unit 1625 provides a wireless banking service including a non-face-to-face financial transaction procedure of a web page type, a predetermined input (or selection) of the customer approval information is performed. The interface screen is preferably provided to the wireless terminal in the form of the WML / HTML compatible document.

According to another exemplary embodiment of the present invention, when the wireless banking unit 1625 provides a wireless banking service including a non-face-to-face financial transaction procedure of a banking program method, a predetermined method of inputting (or selecting) the customer approval information is provided. The interface screen may be output through a banking program provided in the wireless terminal, and / or may be provided to the wireless terminal in the form of the WML / HTML compatible document and output through a predetermined web browser provided in the wireless terminal. The present invention is not limited thereto.

If the financial transaction customer approves the customized customer impression service, the financial transaction customer inputs predetermined customer approval information through a predetermined interface screen for inputting (or selecting) the customer approval information output through the wireless terminal. Enter (or select)

According to an embodiment of the present invention, the customer approval information inputted (or selected) through the predetermined interface screen through which the financial transaction customer inputs (or selects) the customer approval information output through the wireless terminal, It is characterized in that the financial transaction customer is authorized to receive the customized customer impression service, and comprises predetermined customer authentication information for obtaining non-repudiation.

According to an embodiment of the present invention, the customer authentication information is approved by the customer through a predetermined encryption key (or provided with a wireless terminal) provided in the authorized certificate of the financial transaction customer for the non-face-to-face wireless banking financial transaction. Encrypting predetermined information (eg, predetermined random numbers and / or customer approval information entered through the interface screen) through a predetermined interface screen for inputting (or selecting) information. And the encrypted customer approval information is decrypted by the information processing unit 1620 of the wireless banking server 3200 and / or a customer provided in the customer approval server 400 (eg, the customer approval server 400). It is preferably decrypted by the approval unit (415).

In addition, the customer authentication information is input (or selected) the customer approval information through a predetermined encryption key (or provided with a wireless terminal) provided in the authentication certificate of the financial transaction customer for the non-face-to-face wireless banking financial transaction And attaching a predetermined digital signature to predetermined information (eg, a predetermined random number and / or customer approval information input through the interface screen) inputted through a predetermined interface screen. The verification process for the attached electronic signature is performed in the information processing unit 1620 of the wireless banking server 3200, and / or provided in the customer approval server 400 (eg, the customer approval server 400). In the customer approval unit 415, it is preferable that the verification procedure for the attached electronic signature is performed.

Here, the electronic signature may be a predetermined information (eg, a predetermined random number and / or a customer entering through the interface screen) through a predetermined interface screen for inputting (or selecting) the customer approval information. The authorization information) is preferably generated by encrypting the private key of the financial transaction customer provided in the accredited certificate to generate a predetermined message digest.

In addition, the customer authentication information is a password for inputting a predetermined key input device provided in the wireless terminal (for example, the security code provided in the account password of the financial transaction customer, or a security card issued to the financial transaction customer), and And / or at least one of biometric information of the financial transaction customer input through a predetermined biometric information reader associated with the wireless terminal.

According to an embodiment of the present invention, the customer approval information may further include at least one or more customer relationship management (CRM) information for grasping the hobby, taste, characteristics, etc. of the financial transaction customer, the customer relationship management (CRM) information is preferably input (or selected) through a predetermined interface screen for inputting (or selecting) the customer approval information.

According to an embodiment of the present invention, the customer relationship management (CRM) information included in the customer approval information is for the customer to select at least one or more companies (or companies) to receive a customized customer satisfaction service according to the present invention. It is preferable to correspond to the company (or company) selection information.

Those of ordinary skill in the art to which the present invention pertains can benefit the hobby, taste, and characteristics of the financial transaction customer through a predetermined interface screen for inputting (or selecting) the customer approval information output through the wireless terminal. Since the method of easily inputting (or selecting) corresponding customer relationship management information can be easily inferred, the detailed information structure of the customer relationship management (CRM) information entered (or selected) will be understood. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the financial transaction customer inputs (or selects) predetermined customer approval information for the customized customer impression service through at least one interface screen output through the wireless terminal, The wireless terminal transmits the input (or selected) customer approval information to the wireless banking server 3200 through the network means (eg, a mobile communication network based on a code division multiple access (CDMA) stack, a mobile Internet based on IEEE 802.16x, etc.). The information processing unit 1620 included in the wireless banking server 3200 relays the customer approval information to the customer approval server 400.

If it is possible for the customer approval server 400 to connect a communication channel with the wireless terminal through the network means (for example, when the customer approval server 400 is a web server), the wireless terminal may input the input ( Alternatively, the selected customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when only the customer authentication information is included in the customer approval information (for example, when the customer relationship management (CRM) information for the financial transaction customer is omitted), the wireless terminal Customer approval information including customer authentication information is transmitted to the wireless banking server 3200 through the network means, and the information processing unit 1620 provided in the wireless banking server 3200 receives the customer approval information as the customer approval information. Relay transmission to the server 400.

If it is possible for the customer approval server 400 to connect a communication channel with the wireless terminal through the network means (for example, when the customer approval server 400 is a web server), the wireless terminal may input the input ( Alternatively, the selected customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the financial transaction customer responds to the customer approval request for the customized customer impression service through a predetermined interface screen for inputting (or selecting) the customer approval information in the wireless terminal. Predetermined customer confirmation information may be inputted, including informally approving the provision of the customized customer impression service. In this case, the customer confirmation information is transmitted to the wireless banking server 3200 through the network means, and the wireless banking is performed. The information processing unit 1620 provided in the server 3200 relays and transmits the customer confirmation information to the customer approval server 400.

If it is possible for the customer approval server 400 to connect a communication channel with the wireless terminal through the network means (for example, when the customer approval server 400 is a web server), the wireless terminal may input the input ( Alternatively, the selected customer confirmation information can be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

Thereafter, the customer approval server 400 sends the financial transaction customer to the financial transaction customer through contact information (eg, a phone number, a mobile phone number, an address, an e-mail address, etc.) of the financial transaction customer included in (or linked to) the customer ledger. Providing predetermined customer approval request information and directly receiving customer approval information corresponding to the customer approval request information from the financial transaction customer, wherein the contact information of the customer is not extracted from the customer ledger, but the customer In addition to the confirmation information, it is possible to receive the latest contact information for the financial transaction customer from the wireless terminal, the invention is not limited by such an implementation method.

For example, the customer approval server 400 receiving the customer identification information as described above provides the telephone center and / or mobile phone number of the financial transaction customer to a call center (not shown) provided in the financial institution, thereby providing the call center. Voice call-based customer approval request information may be provided to the financial transaction customer, and predetermined customer approval information corresponding to the customer approval request information may be received from the financial transaction customer.

In addition, the customer approval server 400 receiving the customer identification information as described above, by providing the mobile phone number of the financial transaction customer to the financial institution to provide a wireless server (Mobile Server, not shown), through the wireless server The financial transaction customer may provide customer approval request information in the form of a wireless message, and receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In addition, the customer approval server 400 which has received the customer confirmation information as described above is directed to a DM (Direct Mail) dispatch center (not shown) provided with the financial institution's address (or affiliated with). By providing, through the DM sending center it is possible to provide the customer approval request information in the DM form to the financial transaction customer, and to receive predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

In particular, when the customer approval request information is provided in the DM form, the financial transaction customer provides the predetermined customer approval information corresponding to the customer approval request information in the DM form, and / or the customer approval of the DM form. Based on the network address included in the request information, a predetermined terminal corresponding to the network address through a predetermined wireless terminal (eg, a terminal device having a wired internet access function and / or a terminal device having a wireless internet access function). Access to a web server (not shown or including the customer approval server 400 when the customer approval server 400 performs a web server function) to provide the customer approval information, and / or the DM type Based on the predetermined telephone number included in the customer approval request information, the call center is established using a predetermined voice call terminal (eg, a landline telephone, a wireless telephone, a mobile telephone, etc.). It is possible to provide the customer approval information, and / or to provide the customer approval information through the mail server using a predetermined wireless terminal based on the mail address included in the customer approval request information in the DM form. Do.

In addition, the customer approval server 400, which has received the customer confirmation information as described above, provides the mail server of the financial transaction customer to a predetermined mail server (not shown) provided in the financial institution, thereby providing the mail server. By providing the customer approval request information in the form of e-mail (Email) to the financial transaction customer, and receives predetermined customer approval information corresponding to the customer approval request information from the financial transaction customer.

According to another exemplary embodiment of the present invention, the information processing unit 1620 included in the wireless banking server 3200 relays the customer approval information (or customer identification information) to the customer approval server 400. When the customer approval information (or customer confirmation information) is encrypted, the information processing unit 1620 may decrypt the encrypted customer approval information (or customer confirmation information) and relay the encrypted information to the customer approval server 400. And / or when a predetermined electronic signature is attached to the customer approval information (or customer confirmation information), the information processing unit 1620 checks the electronic signature attached to the customer approval information (or customer confirmation information). It is possible to relay transmission to the customer approval server 400, whereby the present invention is not limited.

Referring to FIG. 32, the customer approval server 400 may include an information receiver 405 for receiving predetermined customer approval information transmitted from the wireless terminal (and / or relayed through the wireless banking server 3200). A customer approval unit 415 for processing the customer's approval information by reading the customer approval information and providing the customized customer impression service, and at the time of the customer approval, from a predetermined information storage medium and / or the wireless terminal. An information extraction unit 410 for extracting at least one or more pieces of customer information for the customized customer impression service from the transmitted (and / or relayed through the wireless banking server 3200) customer approval information; and the extracted customer information. It is characterized in that it comprises a information storage unit 420 for classifying by category to store in the predetermined customer information D / B.

In FIG. 32 according to a preferred embodiment of the present invention, the customer approval server 400 is illustrated as a predetermined server provided outside the financial system 100, but the present invention is not limited thereto. The server 400 is a predetermined server provided in the financial system 100 for customer approval according to the present invention, and / or a predetermined ledger server further provided with a customer approval function according to the present invention (or according to the present invention). A program recorded in a recording medium provided in the ledger server to provide a customer approval function according to the present invention; and / or the information system 110 (or customer approval according to the present invention) further provided with a customer approval function according to the present invention. Program to be recorded on the recording medium provided in the information system 110 to provide a function, by which the present invention is not limited.

In addition, the customer approval server 400 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / or at least two or more. It is possible to implement in a program, by which the present invention is not limited.

The information receiver 405 receives the customer approval information transmitted from the wireless terminal (and / or relayed through the wireless banking server 3200), and is intended by the skilled person and / or the customer. Receiving the customer approval information from the financial transaction customer through a predetermined call center according to another implementation method for approval, and / or receiving the customer approval information from the financial transaction customer through a predetermined wireless server, and And / or receive the customer approval information from the financial transaction customer through a predetermined DM sending center, and / or receive the customer approval information from the financial transaction customer through a predetermined mail server.

According to the exemplary embodiment of the present invention, the information receiving unit 405 preferably provides the customer authentication information among the received customer approval information to the customer approval unit 415, and has a predetermined customer relationship to the customer approval information. When management (CRM) information is further included, the customer relationship management information is preferably provided (or extracted) to the information extraction unit 410.

The customer approval unit 415 authenticates the customer authentication information included in the customer approval information, thereby providing confidentiality, authentication, and integrity for the financial transaction customer approving the provision of the customized customer impression service. Integrity) and nonrepudiation.

If the customer approval information received from the wireless terminal (and / or relayed through the wireless banking server 3200) through the information receiving unit 405 according to an embodiment of the present invention, the customer Approving unit 415 decrypts the encrypted customer approval information, it is preferable to secure the authentication, integrity and non-repudiation that the financial transaction customer approved the provision of the customized customer impression service.

According to an exemplary embodiment of the present invention, a predetermined electronic signature is attached to the customer approval information received from the wireless terminal through the information receiver 405 (and / or relayed through the wireless banking server 3200). If so, the customer approval unit 415 confirms the electronic signature attached to the customer approval information, thereby ensuring authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service. desirable.

Here, the process of confirming the electronic signature attached to the customer approval information includes the customer approval information as the public key of the financial transaction customer, as the wireless terminal generates the message digest through the private key of the financial transaction customer. And encrypting to generate a predetermined message digest, and comparing the message digests with each other.

In addition, when the customer approval information includes a predetermined password (eg, a financial account password of the financial transaction customer) for the financial transaction customer, the customer approval unit 415 may select a predetermined database (eg, ledger D / B). By comparing the password stored in the) and the password included in the customer approval information, it is desirable to secure the authentication, integrity and non-repudiation that the financial transaction customer approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The customer approval unit 415 compares the biometric information of the financial transaction customer stored in a predetermined biometric database (not shown) with the biometric information included in the customer approval information, thereby providing the financial information. It is desirable to ensure authentication, integrity and non-repudiation that the trading customer has approved the provision of the customized customer satisfaction service.

When the financial transaction customer is approved to provide the customized customer impression service by the customer approval unit 415, the information extracting unit 410 may be configured to receive information from the ledger D / B provided in the financial system 100. Extracting at least one customer information corresponding to a customer ledger, and / or extracting at least one customer information corresponding to customer relationship management information provided on the DBMS, and / or the wireless terminal (and / or the Extracting at least one customer information corresponding to customer relationship management (CRM) information (eg, customer relationship management (CRM) information received by being included in the customer approval information) received from a customized customer impression service target customer) It is done.

According to the method of the present invention, the customer information extracted by the information extraction unit 410 is personal information (for example, the name, resident registration number, age, gender of the financial transaction customer to receive the customized customer impression service) , Phone number, mobile phone number, address, etc., financial information (eg, a branch (or branch) corresponding to the financial transaction customer), the financial transaction employee, the financial transaction customer's asset size , Investment products, etc. subscribed to by the financial transaction customer, customer relationship management (CRM) information (eg, hobby, taste, characteristics, etc.) of the financial transaction customer, and the financial transaction customer At least one or more anniversary information (for example, birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

When the customer information on the financial transaction customer is extracted by the information extracting unit 410, the information storage unit 420 classifies the customer information of the financial transaction customer by at least one or more categories, and provides predetermined customer information D. / B, the customer information D / B is included on the DBMS provided on the financial system 100, and / or provided on an external network associated with the financial system 100 It is preferably included in a predetermined [DBMS], and / or included in a predetermined [DBMS] provided on an external network which is not associated with the financial system 100.

According to an embodiment of the present invention, the information storage unit 420 preferably stores the customer information by classifying at least one or more categories corresponding to the personal information of the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the financial information about the financial transaction customer.

For example, the information storage unit 420 may classify and store the customer information by a branch (or branch) category, and / or an employee category, an asset scale category, and / or an investment product category.

The information storage unit 420 may classify and store the customer information into at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the information storage unit 420 may store the customer information in a hobby category (eg, reading, hiking, fishing, ...), and / or a taste category (eg, favorite sport, color, entertainer, food, Clothing, ... etc.), and / or characteristic categories (e.g., customer occupation, single / married, health status, ..., etc.) can be stored.

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

FIG. 33 is a diagram illustrating a concept of classifying and storing customer information obtained through a window terminal-based financial transaction according to an embodiment of the present invention by category.

In more detail, FIG. 33 illustrates that customer information on a financial transaction customer who has approved the provision of the customized customer impression service by the customer approval server 400 shown in FIG. 32 is classified and stored by at least one or more categories. As one of ordinary skill in the art of database technology, one of ordinary skill in the art will clearly understand that the customer information of the financial transaction customer is classified and stored by at least one or more categories with reference to FIG.

Referring to FIG. 33, the customer information D / B provided in the DBMS stores the customer information of the financial transaction customer in association with predetermined category information and stores the customer information with respect to the financial transaction customer. The customer information for providing a personalized impression service to the customer is relationally linked with at least one category D / B.

FIG. 34 is a diagram illustrating a customer approval process for providing a customized customer impression service during a wireless banking based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 34 is a wireless banking-based non-face-to-face financing method through a customer approval system shown in FIG. 32 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. As a method of obtaining a customer approval for providing the customized customer service in a transaction process, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 34. In order to infer various implementation methods for the customer approval and information storage process for the customized customer impression service target customer, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

In the drawing 34, the wireless terminal shown in drawing 32 is referred to as " terminal " for convenience.

Referring to FIG. 34, when a predetermined financial transaction customer accesses the wireless banking server 3200 through a predetermined terminal and requests a predetermined financial transaction (3400), the wireless banking server 3200 sends the terminal to the terminal. Providing an interface screen corresponding to at least one wireless banking-based non-face-to-face financial transaction corresponding to the requested financial transaction, wherein the terminal provides a wireless banking-based non-face-to-face financial transaction procedure (eg, predetermined financial transaction information) through the interface screen; And a process of transmitting the financial transaction information to the wireless banking server 3200 by attaching an encryption and / or an electronic signature through an authorized certificate of a financial transaction customer to the wireless banking server 3200. Financial transaction information for banking-based financial transactions (e.g., when making a bank transfer transaction, withdrawal account (customer account) number, deposit account number, bank transfer amount, withdrawal account (high Account) password, you must transfer the security code number), the wireless banking server (3200) provides financial transaction information received in the financial system (100) (3405).

According to the exemplary embodiment of the present invention, when the wireless banking-based financial transaction financial transaction information received from the terminal is encrypted, the wireless banking server 3200 performs a procedure for decrypting the financial transaction information. When a predetermined electronic signature is attached to the financial transaction information for the wireless banking-based financial transaction received from the terminal, and / or confirming the electronic signature attached to the financial transaction information.

Those skilled in the art to which the present invention pertains may include a method of decrypting the encrypted financial transaction information in the wireless banking server 3200, and / or a method of confirming an electronic signature attached to the financial transaction information. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

Thereafter, the financial system 100 (eg, a ledger server provided in the financial system 100) is connected to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger). At least one corresponding financial transaction is processed and a predetermined financial transaction result corresponding to the financial transaction processing is generated 3410.

Those skilled in the art to which the present invention pertains will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the terminal in response to each financial transaction. The detailed description of the wireless banking based non-face-to-face financial transaction procedure will be omitted for convenience.

Thereafter, the financial system 100 is connected to the ledger corresponding to the financial transaction information (for example, the customer ledger corresponding to the financial transaction customer) through the customer registration system shown in FIG. The registration information is verified (3415).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a financial transaction customer) may be performed by using the customer registration system shown in FIG. It is preferable to include a process of checking whether there is a service target customer registration information that is linked to the ledger through the process, and if the service target customer registration information exists, extracting the service target customer registration information.

If the service target customer registration information associated with the ledger is not confirmed (3420), the financial system 100 transmits the generated financial transaction result to the wireless banking server 3200 (3425). The wireless banking server 3200 transmits the received financial transaction result to the terminal (3430), and the terminal completes the financial transaction processing by outputting the received financial transaction result (3435).

On the other hand, if the service target customer registration information associated with the ledger is confirmed (3420), the financial system 100 reads the confirmed service target customer registration information to provide the customized customer impression service to the financial transaction customers It is confirmed whether to request the customer approval (3440).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "customer not approved," It is advisable to confirm the request for customer approval for the provision of customized customer service.

If the financial transaction customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the service customer registration information corresponds to "non-registered customer" or "customer approval"). 3445, the financial system 100 transmits the generated financial transaction result to the wireless banking server 3200 (3425), and the wireless banking server 3200 transmits the received financial transaction result to the wireless banking server 3200. The terminal transmits to the terminal (3430), and the terminal completes the financial transaction processing by outputting the received financial transaction result (3435).

On the other hand, if the financial transaction customer has to request customer approval for providing the customized customer impression service (for example, if the registration status information included in the service target customer registration information corresponds to "non-approval") (3445), the financial system 100 generates predetermined customer approval request information, further includes the generated customer approval request information in the financial transaction result and transmits it to the wireless banking server 3200 (3450), and the wireless banking server 3200. ) Includes the customer approval request information in the received financial transaction result and transmits it to the terminal (3455), and the terminal receives the financial transaction result and outputs the screen, while the customer approval request information is included in the financial transaction result. Check if it is included (3460).

If the financial transaction result includes the customer approval request information (3465), the terminal receives predetermined customer approval information corresponding to the customer approval request information as shown in FIGS. 35 and / or 36 and / or 37. Input (or select) to transmit to the customer approval server 400 through the wireless banking server 3200, the customer approval server 400 performs a customer approval procedure and customer information storage procedure through the customer approval information do.

35 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a wireless banking based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 35 is a wireless banking-based non-face-to-face financing method through a customer approval system shown in FIG. 32 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. When the customer approval information for providing the customized customer impression service is obtained from the wireless terminal illustrated in FIG. 34 in the transaction process, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. As an embodiment of the present invention, a method of classifying and storing predetermined customer information for providing at least one or more categories is provided, and a person skilled in the art may refer to FIG. 35 and / or FIG. Or modify and store customer approvals and information for the customer subject to the customized customer service. Various implementation methods for the definition may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may have obtained, when predetermined customer identification information for providing the customized customer satisfaction service is obtained from the wireless terminal illustrated in FIG. 34 with reference to FIG. 35. While it may be possible to infer various implementation methods for processing customer approval for providing the customized customer impression service through at least one customer approval means based on the customer confirmation information, the present invention includes the inferred implementation method, Thereby, this invention is not limited.

In FIG. 34, the wireless terminal shown in FIG. 32 is referred to as " terminal " for convenience, and the customer approval server 400 shown in FIG. 32 is referred to as " server "

Referring to FIG. 35, if the customer approval request information is included in the financial transaction result received through the terminal through the same process as in FIG. 34, the terminal corresponds to the customer approval request information to the financial transaction customer. A request for inputting predetermined customer approval information is requested (3500).

If predetermined customer approval information corresponding to the customer approval request information is input from the terminal (3505), the terminal performs an encryption and / or an electronic signature attachment process for the customer approval information (3510), and the encryption and And / or transmit customer approval information with an electronic signature attached to the wireless banking server 3200 via the network means (3515), and the wireless banking server 3200 receives the customer's approval with the encryption and / or digital signature attached thereto. The information is relayed to the server (3520).

According to an embodiment of the present invention, the encryption method for the customer approval information may include a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. It is preferable to include at least one of them.

In addition, the electronic signature attached to the customer approval information includes encrypting the customer approval information with the private key of the financial transaction customer to generate a predetermined message digest, and attaching the generated message digest to the customer approval information. It is preferable to make it.

Thereafter, the server receives the customer approval information attached with the encryption and / or electronic signature from the wireless banking server 3200 (3525), and decrypts and / or checks the electronic signature on the received customer approval information. By performing a predetermined customer approval procedure including a, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (3530).

According to an embodiment of the present invention, the customer approval information may be encrypted using at least one of a symmetric key based encryption method, a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. In the case of encryption by the method, the server decrypts the customer approval information through a predetermined decryption method corresponding to the encryption method.

In addition, when a message digest corresponding to a predetermined electronic signature is attached to the customer approval information, the server encrypts the customer approval information through the public key of the financial transaction customer to generate a predetermined message digest, and the message By comparing the digest, the digital signature attached to the customer approval information is confirmed.

In addition, when the customer approval information includes a predetermined password (eg, a financial account password of the financial transaction customer) for the financial transaction customer, the server is stored in a predetermined database (eg, ledger D / B). By comparing the password with the password contained in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The server compares the biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with the biometric information included in the customer approval information, thereby allowing the financial transaction customer to be customized. It is desirable to ensure authentication, integrity and non-repudiation of the approval of providing customer service.

If the customer approval for the customized customer service is not confirmed (3535), the server generates predetermined customer approval error information and transmits it to the wireless banking server 3200 (3540), and the wireless banking server 3200 ) Transmits and outputs the customer approval error information to the terminal (3545), thereby terminating the customer information storing process for providing a customized customer impression service according to the present invention.

On the other hand, if the customer approval for the customized customer service is confirmed (3535), the server extracts at least one or more customer information corresponding to the financial transaction customer (3550).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information received from the terminal (eg, customer relationship management (CRM) information received by being included in the customer approval information). It is desirable to extract at least one customer information corresponding to).

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (3555), the server classifies the extracted customer information into at least one or more categories and stores the predetermined customer information in D / B (3560).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

36 is a diagram illustrating a process of storing customer information for providing a customized customer impression service during a wireless banking based financial transaction according to another embodiment of the present invention.

More specifically, FIG. 36 is a wireless banking-based non-face-to-face financing method through a customer approval system shown in FIG. 32 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. When the customer approval information for providing the customized customer impression service is obtained from the wireless terminal illustrated in FIG. 34 in the transaction process, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. As an exemplary embodiment of the present invention, a method of classifying and storing predetermined customer information for at least one or more categories for providing the present invention is provided to those skilled in the art to which the present invention pertains. Or modify and store customer approvals and information for the customer subject to the customized customer service Would be able to infer a variety of exemplary methods for the information, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 36.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains, when predetermined customer identification information for providing the customized customer service is obtained from the wireless terminal illustrated in FIG. 34 with reference to FIG. While it may be possible to infer various implementation methods for processing customer approval for providing the customized customer impression service through at least one customer approval means based on the customer confirmation information, the present invention includes the inferred implementation method, Thereby, this invention is not limited.

In FIG. 34, the wireless terminal shown in FIG. 32 is referred to as " terminal " for convenience, and the customer approval server 400 shown in FIG. 32 is referred to as " server "

Referring to FIG. 36, if the customer approval request information is included in the financial transaction result received through the terminal through the same process as in FIG. 34, the terminal corresponds to the customer approval request information to the financial transaction customer. A request is made to enter predetermined customer approval information (3600).

If predetermined customer approval information corresponding to the customer approval request information is input from the terminal (3605), the terminal performs an encryption and / or an electronic signature attachment process for the customer approval information (3610), and the encryption and And / or the customer approval information with the electronic signature attached to the wireless banking server 3200 through the network means (3615).

According to an embodiment of the present invention, the encryption method for the customer approval information may include a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. It is preferable to include at least one of them.

In addition, the electronic signature attached to the customer approval information includes encrypting the customer approval information with the private key of the financial transaction customer to generate a predetermined message digest, and attaching the generated message digest to the customer approval information. It is preferable to make it.

Thereafter, the wireless banking server 3200 performs a decryption and / or digital signature verification process on the received customer approval information (3620).

According to an embodiment of the present invention, the customer approval information may be encrypted using at least one of a symmetric key based encryption method, a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. In the case of encryption by the method, the server decrypts the customer approval information through a predetermined decryption method corresponding to the encryption method.

In addition, when a message digest corresponding to a predetermined electronic signature is attached to the customer approval information, the server encrypts the customer approval information through the public key of the financial transaction customer to generate a predetermined message digest, and the message By comparing the digest, the digital signature attached to the customer approval information is confirmed.

If the decryption and / or electronic signature of the customer approval information is not confirmed in the wireless banking server 3200 (3625), the wireless banking server 3200 generates predetermined customer approval error information and transmits it to the terminal. By outputting 3630, the process of storing customer information for providing a customized customer impression service according to the present invention is terminated.

If the wireless banking server 3200 decrypts the customer approval information and / or confirms the electronic signature (3625), the wireless banking server 3200 may check the customer approval information of the decrypted and / or digital signature. Relay transmission to the server (3635).

Thereafter, the server receives the customer approval information of the decrypted and / or digital signature confirmed from the wireless banking server 3200 (3640), and performs a predetermined customer approval procedure corresponding to the received customer approval information. In operation 3645, the financial transaction customer has approved the provision of the customized customer impression service.

According to an exemplary embodiment of the present invention, when the customer approval information includes a predetermined password (eg, a financial account password of a financial transaction customer) for the financial transaction customer, the server may have a predetermined database (eg, ledger D / By comparing the password stored in B) with the password included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The server compares the biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with the biometric information included in the customer approval information, thereby allowing the financial transaction customer to be customized. It is desirable to ensure authentication, integrity and non-repudiation of the approval of providing customer service.

If the customer approval for the customized customer service is not confirmed (3650), the server generates predetermined customer approval error information and transmits it to the wireless banking server 3200 (3655), and the wireless banking server 3200 ) Transmits and outputs the customer approval error information to the terminal (3660), thereby terminating the customer information storing process for providing a customized customer impression service according to the present invention.

On the other hand, if the customer approval for the customized customer service is confirmed (3650), the server extracts at least one customer information corresponding to the financial transaction customer (3665).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information received from the terminal (eg, customer relationship management (CRM) information received by being included in the customer approval information). It is desirable to extract at least one customer information corresponding to).

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (3670), the server classifies the extracted customer information into at least one or more categories and stores the predetermined customer information in the predetermined customer information D / B (3675).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

FIG. 37 illustrates a process of storing customer information for providing a customized customer service service during a wireless banking based financial transaction according to another embodiment of the present invention.

More specifically, FIG. 37 is a wireless banking-based non-face-to-face financing through a customer approval system shown in FIG. 32 to a financial transaction customer registered for the customized customer impression service through the customer registration system shown in FIG. When the customer approval information for providing the customized customer impression service is obtained from the wireless terminal illustrated in FIG. 34 in the transaction process, the customized customer impression service is provided to the financial transaction customer in the customer information D / B shown in FIG. As an embodiment of the present invention, a method of classifying and storing predetermined customer information for providing at least one or more categories is provided, and a person of ordinary skill in the art may refer to FIG. 37 and / or FIG. Or modify and store customer approvals and information for the customer subject to the customized customer service. Various implementation methods for the definition may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, when predetermined customer identification information for providing the customized customer service is obtained from the wireless terminal shown in FIG. 34 with reference to FIG. 37, While it may be possible to infer various implementation methods for processing customer approval for providing the customized customer impression service through at least one customer approval means based on the customer confirmation information, the present invention includes the inferred implementation method, Thereby, this invention is not limited.

In FIG. 34, the wireless terminal shown in FIG. 32 is referred to as " terminal " for convenience, and the customer approval server 400 shown in FIG. 32 is referred to as " server "

Referring to FIG. 37, if the customer approval request information is included in the financial transaction result received through the terminal through the same process as in FIG. 34, the terminal corresponds to the customer approval request information to the financial transaction customer. A request is made to enter predetermined customer approval information (3700).

If predetermined customer approval information corresponding to the customer approval request information is input from the terminal (3705), the terminal performs an encryption and / or an electronic signature attachment process for the customer approval information (3710), and the encryption and And / or directly transmitting the customer approval information with an electronic signature to the server through the network means (3715), the server sending the customer approval information with the encryption and / or digital signature attached through the network means. Received directly from (3720).

According to an embodiment of the present invention, the encryption method for the customer approval information may include a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. It is preferable to include at least one of them.

In addition, the electronic signature attached to the customer approval information includes encrypting the customer approval information with the private key of the financial transaction customer to generate a predetermined message digest, and attaching the generated message digest to the customer approval information. It is preferable to make it.

Thereafter, by performing a predetermined customer approval process including a process of decrypting the received customer approval information and / or confirming an electronic signature, it is checked whether the financial transaction customer has approved the provision of the customized customer impression service (3725).

According to an embodiment of the present invention, the customer approval information may be encrypted using at least one of a symmetric key based encryption method, a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method. In the case of encryption by the method, the server decrypts the customer approval information through a predetermined decryption method corresponding to the encryption method.

In addition, when a message digest corresponding to a predetermined electronic signature is attached to the customer approval information, the server encrypts the customer approval information through the public key of the financial transaction customer to generate a predetermined message digest, and the message By comparing the digest, the digital signature attached to the customer approval information is confirmed.

In addition, when the customer approval information includes a predetermined password (eg, a financial account password of the financial transaction customer) for the financial transaction customer, the server is stored in a predetermined database (eg, ledger D / B). By comparing the password with the password included in the customer approval information, it is desirable to secure authentication, integrity and non-repudiation that the financial transaction customer has approved the provision of the customized customer impression service.

In addition, the biometric information includes at least one of predetermined biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA) in the customer approval information. ), The server compares the biometric information of the financial transaction customer stored in a predetermined biometric information database (not shown) with the biometric information included in the customer approval information, thereby allowing the financial transaction customer to be customized. It is desirable to ensure authentication, integrity and non-repudiation of the approval of providing customer service.

If the customer approval for the customized customer service is not confirmed (3730), the server generates a predetermined customer approval error information and transmits to the wireless banking server 3200 (3735), the wireless banking server 3200 ) Transmits and outputs the customer approval error information to the terminal (3740), thereby terminating the customer information storing process for providing a customized customer impression service according to the present invention.

On the other hand, if the customer approval for the customized customer service is confirmed (3730), the server extracts at least one or more customer information corresponding to the financial transaction customer (3745).

According to an embodiment of the present invention, the server extracts at least one or more customer information corresponding to the customer ledger from the ledger D / B provided in the financial system 100, and / or is provided on the DBMS. Extracting at least one customer information corresponding to the customer relationship management information, and / or customer relationship management (CRM) information received from the terminal (eg, customer relationship management (CRM) information received by being included in the customer approval information). It is desirable to extract at least one customer information corresponding to).

At this time, the customer information about the financial transaction customer extracted by the server is personal information (for example, the name, social security number, age, gender, telephone of the financial transaction customer to receive the customized customer impression service) Number, mobile phone number, address, etc., financial information (e.g., a branch (or branch) corresponding to the financial transaction customer), the financial transaction customer representative, the scale of assets of the financial transaction customer, Investment products, etc. subscribed by a financial transaction customer, customer relationship management (CRM) information (eg, hobbies, tastes, characteristics, etc.) of the financial transaction customer, and anniversary information about the financial transaction customer. (E.g., birthdays, wedding anniversary, etc. of the financial transaction customers and their families) is preferably included.

If at least one customer information of the financial transaction customer is extracted (3750), the server classifies the extracted customer information by at least one or more categories and stores it in predetermined customer information D / B (3755).

According to an embodiment of the present invention, the server preferably stores the customer information classified by at least one category corresponding to personal information of the financial transaction customer.

For example, the server may classify and store the customer information by age category, and / or gender category, and / or communication company category, and / or address category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the financial information for the financial transaction customer.

For example, the server may classify and store the customer information according to a branch (or branch) category, and / or an employee category, an asset size category, and / or an investment product category.

In addition, the server preferably stores the customer information classified by at least one category corresponding to the customer relationship management information for the financial transaction customer.

For example, the server may display the customer information in a hobby category (eg, reading, hiking, fishing, ..., etc.), and / or taste category (eg, favorite sport, color, entertainer, food, clothing, ... etc.). ) And / or by characteristic category (eg, customer's occupation, single / married, health status, etc.).

Those skilled in the art will clearly understand that the customer information may be classified and stored according to categories of various items in addition to the illustrated categories, and thus detailed description thereof will be omitted for convenience.

38 is a diagram illustrating a method of attaching an electronic signature to customer approval information in a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 38 illustrates a method for performing an electronic signature process on predetermined approval data among at least one or more data included in the customer approval information in the wireless terminal, and has a general knowledge in the technical field to which the present invention pertains. However, the present invention may infer various implementation methods for digitally signing the approval data in the wireless terminal by referring to and / or modifying the diagram 38, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in 38.

In this diagram 38 according to an embodiment of the present invention, the terminal-side private key is preferably read from the public certificate provided in the wireless terminal, and the public certificate is stored in a predetermined memory unit provided in the wireless terminal. And / or stored in an ID-000 type IC chip (or IC card) mounted on or detached from the wireless terminal, and / or the IC card reader when a predetermined IC card reader is provided in the wireless terminal. All of them can be stored in the inserted IC card, and the present invention is not limited thereby.

Referring to FIG. 38, when predetermined approval data is generated at the wireless terminal of the wireless terminal (3800), the wireless terminal may have a predetermined one-way hash function (eg, a hash code having a predetermined length regardless of the length of the approval data). A one-way hash function that generates a message digest including a hash code, and cannot identify (or infer) the original message via the hash code (or message digest). The receiving side generates the predetermined message digest from the acknowledgment data through the same hash function (3805).

Here, the one-way hash function is characterized by being defined as the same one-way hash function defined in the customer approval server 400 for confirming the electronic signature according to this figure 38.

Thereafter, the wireless terminal extracts a predetermined terminal side private key for encrypting the message digest from the authorized certificate (3810), and encrypts the message digest using the extracted terminal side private key (3815).

Herein, the encryption function of the wireless terminal is called E (Encryption), the terminal side private key is k1 (key), the message digest is M (Messge digest), and the message side encrypted with the terminal side private key is C ( Ciphertext), the encryption function of the wireless terminal can be expressed by an expression such as "Ek1 (M) = C".

According to an embodiment of the present invention, the algorithm for encrypting the message digest by the wireless terminal through the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, and at least one of the ECDH is preferably made, including various forms of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. .

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless terminal may be expressed as" C = Ek1 (M) = Me mod n ".

Thereafter, the wireless terminal concatenates the authentication data and the message digest encrypted with the terminal-side private key to generate predetermined customer approval information (3820), and the generated customer approval information is then encrypted using at least one encryption method. Can be.

39 is a diagram illustrating a method of confirming an electronic signature attached to customer approval information in the customer approval server 400 according to the embodiment of the present invention.

More specifically, FIG. 39 illustrates an embodiment of the present invention in which the customer approval server 400 checks an electronic signature of customer approval information received by attaching a predetermined electronic signature from the wireless terminal. With ordinary knowledge, it is possible to infer various implementation methods for confirming the electronic signature for the customer approval information with the electronic signature attached to the wireless terminal by referring to and / or modifying this drawing 39. Includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 39 according to an embodiment of the present invention, the terminal-side public key for confirming the electronic signature is preferably extracted from a predetermined directory operated and managed by a certification authority that issues the certificate to the wireless terminal. And / or a copy of the certificate including the terminal-side public key may be further attached from the wireless terminal and received by the customer approval server 400 (not shown), whereby the present invention is not limited thereto.

Referring to FIG. 39, when predetermined traffic data is provided to the customer approval unit 415 (3900), the customer approval unit 415 may designate a predetermined directory and / or the customer approval operated and managed by the certification authority. The terminal-side public key for decrypting the message digest encrypted with the terminal-side private key is extracted from the information (3905), and the encrypted message digest is decrypted through the extracted terminal-side public key (3910).

Here, the decryption function of the digital signature checker is called D (Decryption), and the message digest encrypted with the terminal-side public key k2 (key) and the terminal-side private key is decrypted with C (Ciphertext) and the terminal-side public key. When the message digest to be referred to as M (Message digest), the function of the digital signature checker to decrypt the encrypted message digest can be expressed by a formula such as "Dk2 = M, or Dk2 (Ek (M)) = M". .

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the terminal-side private key in the wireless terminal through the terminal-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman) , Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms may be used. The decryption algorithm is matched with an encryption algorithm used in the wireless terminal, and the present invention is not limited to a specific decryption algorithm.

For example, in the case of decoding the message digest through the RSA decryption algorithm, among the decryption algorithms, n is a published method used in the decryption process, n is a non-disclosed prime number with different prime factors of n and a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). ) (b-1) ", wherein the decryption function of the digital signature verification unit may be expressed as" M = Dk2 = Cd mod n ".

Thereafter, the customer approval unit 415 generates a predetermined message digest by applying a one-way hash function identical to the one-way hash function that generated the message digest in the wireless terminal to the approval data included in the customer approval information (3915). In operation 3920, the validity of the grant data is verified by comparing the generated message digest with the decrypted message digest.

If the generated message digest coincides with the decrypted message digest (3925), the customer authorization unit 415 determines the confidentiality, authentication, integrity, and nonrepudiation of the authorization data. Non-repudiation) is processed to confirm the digital signature (3930).

On the other hand, if the generated message digest and the decrypted message digest do not match (3925), the customer approval unit 415 treats the approval data as invalid.

40 is a diagram illustrating a method for encrypting and transmitting customer approval information in a symmetric key (or secret key) method in a wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 40 illustrates an embodiment of the present invention in which the wireless terminal encrypts and transmits the customer approval information by a symmetric key (or secret key) method. By referring to and / or modifying FIG. 40, the wireless terminal may infer various implementation methods for encrypting the customer approval information in a symmetric key (or secret key) manner. It is not limited to the implementation method shown in FIG.

In this figure 40 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the wireless terminal, the public certificate is a predetermined memory unit provided in the wireless terminal And / or stored in an IC chip (or IC card) in the form of ID-000 mounted on or detached from the wireless terminal, and / or when the wireless terminal is equipped with a predetermined IC card reader. All of them can be stored in an IC card inserted in the card reader, and the present invention is not limited thereto.

According to another embodiment of the present invention, the symmetric key (or secret key) is included in the interface screen provided from the customer approval server 400 to the wireless terminal in addition to the authorized certificate, and / or the customer on the wireless terminal. It is all possible to be embedded on the communication program to communicate with the authorization server 400, whereby the invention is not limited.

Referring to FIG. 40, when predetermined customer approval information of the wireless terminal is generated (4000), the wireless terminal uses a predetermined symmetric key (or secret key) for encrypting customer approval information from an authentication certificate provided in the wireless terminal. ), And encrypting the customer approval information through the read symmetric key (or secret key) (4010).

Here, the encryption function of the wireless terminal is called E (Encryption), the symmetric key (or secret key) is k (key), the customer approval information is P (Plaintext), and the symmetric key (or secret key) When the encrypted customer approval information is referred to as C (Ciphertext), the encryption function of the wireless terminal can be expressed by a formula such as "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information by the wireless terminal through the symmetric key (or secret key), SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data) It is preferable to include at least one or more of the Encryption Algorithm, and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the customer approval information is encrypted through the symmetric key (or the secret key) as described above, the wireless terminal transmits the encrypted customer approval information to the internet banking server 1600 through the network means, and the internet banking server. The 1600 transmits the encrypted customer approval information to the customer approval server 400 (4015).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

41 is a diagram illustrating a method of decrypting customer approval information encrypted and received by the customer approval server 400 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, Figure 41 is an embodiment of the method for decrypting the customer approval information received from the wireless terminal encrypted by the symmetric key (or secret key) method in the customer approval server 400, the present invention Those skilled in the art will be able to infer various implementation methods for decrypting the encrypted customer approval information by the symmetric key (or secret key) method in the wireless terminal by referring to and / or modifying the drawing 41. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this drawing 41 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read out from the public certificate provided in the customer approval server 400, the public certificate is the customer approval server 400 Is preferably stored in a predetermined database (not shown) that cooperates with, and the present invention is not limited thereto.

Referring to FIG. 41, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including the encrypted customer approval information through the network means, and from the received packet, the wireless terminal. In step 4100, the customer approval information encrypted through the symmetric key (or the secret key) is restored (or generated) to the customer approval unit 415.

Thereafter, the customer approval unit 415 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted customer approval information from the authorized certificate provided in the customer approval server 400 (4105). The encrypted customer approval information is decrypted through the extracted symmetric key (or secret key) (4110).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), and the customer approval information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key) is C. (Ciphertext) and the decrypted customer approval information is P (Plaintext), the function of the customer approval unit 415 decrypting the encrypted customer approval information is "Dk = P, or Dk (Ek (P)). ) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted customer approval information through the symmetric key (or secret key) by the customer approval unit 415 may include SEED, Data Encryption Standard (DES), and Triple-DES. It is preferable to include at least one or more of, Skipjack, International Data Encryption Algorithm (IDEA), and various other decryption algorithms may be used, but the decryption algorithm is matched with the encryption algorithm used in the wireless terminal The present invention is not limited by the specific decoding algorithm.

When the customer approval information encrypted through the symmetric key (or the secret key) is decrypted as described above, the customer approval unit 415 reads the decrypted customer approval information so that the financial transaction customer provides the customized customer impression service. Perform the process of confirming approval.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

42 is a diagram illustrating a method for encrypting and transmitting customer approval information in a public key infrastructure structure in a wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 42 illustrates an embodiment of the present invention in which the wireless terminal encrypts and transmits the customer approval information in a public key infrastructure. If the present invention has general knowledge in the technical field to which the present invention pertains, FIG. By referring to and / or modified may be inferred various implementation methods for encrypting the customer approval information in a public key method in the wireless terminal, the present invention includes all the inferred implementation method, shown in Figure 42 It is not limited to the implemented method.

In the figure 42 according to the embodiment of the present invention, the server-side public key is preferably read from the public certificate provided in the wireless terminal, and the public certificate is stored in a predetermined memory unit provided in the wireless terminal. And / or stored in an ID-000 type IC chip (or IC card) mounted on or detached from the wireless terminal, and / or the IC card reader when a predetermined IC card reader is provided in the wireless terminal. All of them can be stored in the inserted IC card, and the present invention is not limited thereby.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the public certificate to the wireless terminal, and the present invention is not limited thereto.

Referring to FIG. 42, when predetermined customer approval information of the wireless terminal is generated (4200), the wireless terminal extracts a predetermined server-side public key for encrypting the customer approval information from the public certificate. In step 4205, the customer approval information is encrypted using the extracted server-side public key (4210).

Herein, the encryption function of the wireless terminal is referred to as E (Encryption), the server side public key is k1 (key), the customer approval information is P (Plaintext), and the customer approval information encrypted with the server side public key is C. Speaking (Ciphertext), the encryption function of the wireless terminal can be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information by the wireless terminal through the server-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used. No.

For example, in the case of encrypting the customer approval information through the RSA encryption algorithm among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a non-disclosed prime number with different prime factors of n b, if the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a- 1) (b-1) ", wherein the encryption function of the wireless terminal may be expressed as" C = Ek1 (P) = Pe mod n ".

When the customer approval information is encrypted through the server-side public key as described above, the wireless terminal transmits the encrypted customer approval information to the internet banking server 1600 through the network means, and the internet banking server 1600. In operation 4215, the encrypted customer approval information is transmitted to the customer approval server 400.

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

43 is a diagram illustrating a method of decrypting customer approval information encrypted and received by the customer approval server 400 according to an embodiment of the present invention using a public key infrastructure.

In more detail, FIG. 43 illustrates an embodiment of a method of decrypting the customer approval information encrypted and received from the wireless terminal in a public key infrastructure structure in the customer approval server 400. With reference to FIG. 43, various implementation methods for deciphering customer approval information encrypted with the server-side public key in the wireless terminal may be inferred by referring to and / or modifying this drawing 43. The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 43 according to the embodiment of the present invention, the server-side private key for decrypting the customer approval information encrypted with the server-side public key in a public key infrastructure scheme is obtained from the public certificate provided in the customer approval server 400. Preferably, the certificate is stored in a predetermined database (not shown) interworking with the customer approval server 400, and thus the present invention is not limited thereto.

Referring to FIG. 43, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including encrypted customer approval information through the network means, and from the received packet at the wireless terminal. The customer approval information, which is encrypted and transmitted, is restored (or generated) and provided to the customer approval unit 415 (4300).

Thereafter, the customer approval unit 415 extracts a server-side private key for decrypting the encrypted customer approval information from the authorized certificate provided in the customer approval server 400 (4305), and extracts the extracted server-side individual. The encrypted customer approval information is decrypted through a key (4310).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the server-side private key is k2 (key), and the customer approval information encrypted with the server-side public key is C (Ciphertext), and the server. If the customer approval information decrypted with the side private key is P (Plaintext), the function of the customer approval unit 415 decrypting the encrypted customer approval information is "Dk2 = P, or Dk2 (Ek (P)) = P". Can be expressed as an expression such as "

According to an embodiment of the present invention, the algorithm for decrypting the customer approval information encrypted by the server-side public key in the wireless terminal through the server-side private key is RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. The decryption algorithm may be matched with an encryption algorithm used in the wireless terminal, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the customer approval information through the RSA decryption algorithm of the public key based decryption algorithm, n is a public method (Modulus) used in the decryption process, n, a prime number that is not disclosed with different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e, the undisclosed index is d, the n satisfies "n = a * b", d is "de = 1 mod (a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Dk2 = Cd mod n ".

When the customer approval information encrypted by the server-side public key is decrypted by the wireless terminal through the server-side private key as described above, the customer approval unit 415 reads the decrypted customer approval information so that the financial transaction customer is customized. The process of confirming that the approval of the provision of customer impression service is performed.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

44 is a diagram illustrating a method of encrypting and transmitting customer approval information in an electronic envelope method in a wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 44 is an embodiment of the present invention for encrypting and transmitting the customer approval information by an electronic envelope method in the wireless terminal. If the present invention has general knowledge, refer to the present invention. And / or may be modified to infer various implementation methods for encrypting the customer approval information in an electronic envelope method in the wireless terminal, but the present invention includes all the inferred implementation methods, and is illustrated in FIG. 44. It is not limited to the method.

In this figure 44 according to an embodiment of the present invention, the server-side public key is preferably read from the public certificate provided in the wireless terminal, and the public certificate is stored in a predetermined memory unit provided in the wireless terminal. And / or stored in an ID-000 type IC chip (or IC card) mounted on or detached from the wireless terminal, and / or the IC card reader when a predetermined IC card reader is provided in the wireless terminal. All of them can be stored in the inserted IC card, and the present invention is not limited thereby.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate to the wireless terminal, and thus, the present invention is not limited thereto.

Referring to FIG. 44, when predetermined customer approval information of the wireless terminal is generated (4400), the wireless terminal determines that the wireless terminal encrypts the customer approval information in a secret key (symmetric key) manner. A random secret key is generated (4405), and the customer approval information is encrypted using the generated secret key (4410).

Here, the encryption function of the wireless terminal is called E (Encryption), the secret key is r (random secret key), the customer approval information is P (Plaintext), and the customer approval information encrypted with the secret key is C (Ciphertext). ), The encryption function of the wireless terminal can be expressed by a formula such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information by the wireless terminal through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data Encryption Algorithm) It is preferable to include one or more, and various forms of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm.

Thereafter, the wireless terminal encrypts the secret key (random secret key) used to encrypt the customer approval information. For this purpose, the wireless terminal extracts a predetermined server-side public key from the public certificate (4415). The private key is encrypted using a server-side public key (4420).

Here, the encryption function of the wireless terminal is called E (Encryption), the server-side public key is k1 (key), the secret key is r (random Secret key), and the secret key encrypted with the server-side public key is C. Speaking (Ciphertext), the encryption function of the wireless terminal can be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the wireless terminal through the server-side public key includes: RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, and at least one of the ECDH is preferably made, including various forms of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. .

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless terminal may be expressed as" C = Ek1 (r) = re mod n ".

If the customer approval information is encrypted with the secret key, and the secret key is encrypted with the server-side public key, the wireless terminal associates the customer approval information encrypted with the secret key with the secret key encrypted with the server-side public key. Generate transaction data, and transmit the encrypted transaction data to the internet banking server 1600 via the network means, wherein the internet banking server 1600 sends the encrypted transaction data to the customer authorization server 400; Send (4425).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

45 is a diagram illustrating a method of decrypting customer approval information encrypted and received by the customer approval server 400 according to an embodiment of the present invention by an electronic envelope method.

In more detail, FIG. 45 illustrates a method for decrypting the transaction data by an electronic envelope method in a customer approval server 400 that receives transaction data including encrypted customer approval information from the wireless terminal. Those skilled in the art may refer to and / or modify this drawing 45 to infer various implementation methods for decrypting the transaction data encrypted by the electronic envelope method in the same electronic envelope method in the wireless terminal. As will be appreciated, the present invention encompasses all of the inferred practice methods and is not limited to the practice method shown in FIG.

In this figure 45 according to the embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate provided in the customer approval server 400, and the public certificate. Is preferably stored in a predetermined database (not shown) in conjunction with the customer approval server 400, whereby the present invention is not limited.

Referring to FIG. 45, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including predetermined transaction data including encrypted customer approval information through the network means. The transaction data including the customer approval information encrypted and transmitted by the wireless terminal from the received packet is restored (or generated) and provided to the customer approval unit 415 (4500).

Thereafter, the customer approval unit 415 extracts a server side private key for decrypting the encrypted secret key included in the transaction data from the certificate of authenticity provided in the customer approval server 400 (4505). By decrypting the private key encrypted with the server-side public key in the wireless terminal through the extracted server-side private key (4510), a predetermined secret key for decrypting the customer approval information is extracted (4515), and the extracted By decrypting the customer approval information using a secret key (4520), the wireless terminal extracts the customer approval information encrypted with the secret key (4525).

Here, the decryption function of the customer approval unit 415 is referred to as D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server side. When the secret key decrypted with the private key is r (random secret key), the function of the customer approval unit 415 decrypting the encrypted secret key is "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, an algorithm for decrypting the secret key encrypted by the server-side public key in the wireless terminal through the server-side private key is RSA (Ron Rivest, Adi Shamir, Len). Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used The decryption algorithm may be matched with an encryption algorithm used in the wireless terminal, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the secret key is r (random secret key), the customer approval information encrypted with the secret key (C (Ciphertext)), and the decryption. When the customer approval information is called P (Plaintext), the function of the customer approval unit 415 to decrypt the encrypted customer approval information is expressed as "Dr = P, or Dr (Er (P)) = P". It can be expressed as

According to the embodiment of the present invention, the algorithm for the customer approval unit 415 to decrypt the encrypted customer approval information through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably comprises at least one or more, and various forms of decryption algorithms may be used, but the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the wireless terminal, The present invention is not limited by the specific decoding algorithm.

When the customer approval information is decrypted as described above, the customer approval unit 415 reads the decrypted customer approval information and checks whether the financial transaction customer has approved the provision of the customized customer impression service.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

46 is a diagram illustrating a method for encrypting and transmitting customer approval information in a key exchange method in a wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 46 is an embodiment of the method for encrypting and transmitting the customer approval information in a key exchange method in the wireless terminal. And / or may be modified to infer various implementation methods for encrypting the customer approval information in the key exchange method in the wireless terminal, but the present invention includes all the inferred implementation methods, and is shown in FIG. 46. It is not limited to this.

In this figure 46 according to an embodiment of the present invention, the terminal-side private key and the server-side public key are preferably read from the public certificate provided in the wireless terminal, and the public certificate is a predetermined one provided in the wireless terminal. Stored in a memory unit and / or stored in an IC chip (or IC card) of ID-000 type mounted on or detached from the wireless terminal, and / or provided with a predetermined IC card reader in the wireless terminal All of them can be stored in an IC card inserted into the IC card reader, and the present invention is not limited thereto.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate to the wireless terminal, thereby limiting the present invention. Not.

Referring to FIG. 46, when predetermined customer approval information of the wireless terminal is generated (4600), the wireless terminal determines that the wireless terminal transmits the customer approval information to a predetermined one-way hash function (eg, the length of the customer approval information). A one-way hash function that generates a Message Digest that contains a hash code of any length, and cannot identify (or infer) the original message via the hash code (or message digest). Hash Function) The wireless terminal and the customer approval server 400 generate a predetermined message digest through the same hash function (4605), and digitally sign the message digest by encrypting the message digest through the terminal-side private key. (4610).

Here, the encryption function of the wireless terminal is called E (Encryption), the terminal side private key is t1 (terminal side key), the message digest is m (message digest), and the message digest encrypted with the terminal side private key. Speaking of C (Ciphertext), the digital signature function of the wireless terminal can be expressed by a formula such as "Et1 (m) = C".

According to an embodiment of the present invention, the algorithm for encrypting the message digest by the wireless terminal through the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, and at least one of the ECDH is preferably made, including various forms of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. .

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the wireless terminal can be expressed as" C = Et1 (m) = me mod n ".

In addition, the wireless terminal generates a predetermined random secret key for encrypting the customer approval information using a secret key (symmetric key) method (4615), the customer approval information and the terminal side The message digest encrypted with the private key and a copy of a certificate (for example, a certificate including a terminal side public key) included in the public certificate are linked to each other and encrypted through the generated secret key (4620).

Here, the encryption function of the wireless terminal is called E (Encryption), the secret key is r (random secret key), the customer approval information and the copy of the certificate P (Plaintext), and the customer approval information encrypted with the secret key and If the copy of the certificate is referred to as C (Ciphertext), the encryption function of the wireless terminal can be expressed by a formula such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the customer approval information and the copy of the certificate through the secret key, the SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA (International Data Encryption Algorithm) It is preferable to include at least one of), and in addition to the encryption algorithm of various forms may be used, but the present invention is not limited by a specific encryption algorithm.

In addition, the wireless terminal extracts a predetermined server-side public key from the authorized certificate to encrypt the private key that encrypts the customer approval information (4625), and uses the server-side public key to obtain the customer approval information. The encrypted secret key is encrypted (4630).

Here, the encryption function of the wireless terminal is called E (Encryption), the server side public key is s1 (server side key), the secret key is r (random secret key), and the secret key encrypted with the server side public key. When C (Ciphertext), the encryption function of the wireless terminal can be expressed by a formula such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key by the wireless terminal through the server-side public key includes: RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), ECC (Elliptic Curve Cryptosystem), KCDSA, ECDSA, and at least one of the ECDH is preferably made, including various forms of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. .

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", wherein the encryption function of the wireless terminal may be expressed as" C = Es1 (r) = re mod n ".

A copy of a certificate including the message digest encrypted with the customer approval information and the terminal-side private key and the terminal-side public key is linked and encrypted with the generated secret key, and the secret key is encrypted with the server-side public key. When encrypted, the wireless terminal encrypts a copy of a certificate including the message digest and the terminal-side public key encrypted with the customer approval information encrypted with the secret key and the terminal-side private key with the server-side public key. Generate predetermined transaction data in association with the network, and transmit the encrypted transaction data to the internet banking server 1600 via the network means, and the internet banking server 1600 transmits the encrypted transaction data to the customer approval. And transmits to server 400 (4635).

According to another exemplary embodiment of the present invention, the encrypted customer approval information may be directly transmitted to the customer approval server 400 through the network means, whereby the present invention is not limited thereto.

47 is a diagram illustrating a method of decrypting customer approval information encrypted and received by the customer approval server 400 according to an embodiment of the present invention by a key exchange method.

More specifically, Figure 47 is a method for decrypting the transaction data by the key exchange method in the customer approval server 400 receives the transaction data including the encrypted customer approval information from the wireless terminal, the present invention Those skilled in the art can refer to and / or modify this drawing 47 to infer various implementation methods for decrypting the transaction data encrypted by the key exchange method in the same key exchange method in the wireless terminal. As will be appreciated, the invention includes all such inferred implementation methods, and is not limited to the implementation method shown in FIG.

In this figure 47 according to an embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are preferably read from the public certificate provided in the customer approval server 400. And, the official certificate is preferably stored in a predetermined database (not shown) that interoperates with the customer approval server 400, whereby the present invention is not limited.

Referring to FIG. 47, the information receiving unit 405 of the customer approval server 400 receives at least one or more packets including transaction data including encrypted customer approval information through the network means. Restore (or generate) transaction data including customer approval information encrypted and transmitted from the packet to the wireless terminal (4700), and provide the restored (or generated) transaction data to the customer approval unit (415). (4700).

Thereafter, the customer approval unit 415 extracts the server-side private key from the public certificate provided in the customer approval server 400 to decrypt the private key encrypted with the server-side public key (4710), and the server By decrypting the secret key through the side private key (4715), the secret key for decrypting a copy of the certificate including the message digest encrypted with the customer approval information and the terminal side private key and the terminal side public key is extracted. (4720).

Here, the decryption function of the customer approval unit 415 is referred to as D (Decryption), the server side private key is s2 (server side key), the secret key encrypted with the server side public key is C (Ciphertext), and When the secret key decrypted with the server-side private key is r (random secret key), the function of the customer approval unit 415 to decrypt the encrypted secret key is "Ds2 = r, or Ds2 (Es1 (r)) = r ".

According to an embodiment of the present invention, an algorithm for decrypting the secret key encrypted by the server-side public key in the wireless terminal through the server-side private key is RSA (Ron Rivest, Adi Shamir, Len). Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used The decryption algorithm may be matched with an encryption algorithm used in the wireless terminal, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the customer approval unit 415 includes a certificate including the message digest and the terminal side public key encrypted with the customer approval information and the terminal side private key using the extracted secret key. By decrypting the copy (4725), a copy of the certificate including the customer approval information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the customer approval unit 415 is referred to as D (Decryption), the secret key is r (random secret key), the customer authentication information encrypted with the secret key and the message digest encrypted with the terminal-side private key And C (Ciphertext) a copy of the certificate including the terminal-side public key, and P (Plaintext) a copy of the certificate including the message digest encrypted with the decrypted customer approval information and the terminal-side private key and the terminal-side public key. ), The function of decrypting the copy of the certificate including the message digest encrypted with the encrypted customer approval information and the terminal-side private key and the terminal-side public key is “Dr = P,”. Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the customer approval unit 415 copies a certificate including the message digest encrypted with the encrypted customer approval information and the terminal-side private key and the terminal-side public key through the secret key. The decryption algorithm may include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. The decryption algorithm is matched with an encryption algorithm used in the wireless terminal, and the present invention is not limited to a specific decryption algorithm.

In addition, the customer approval unit 415 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (4730), thereby generating a message digest generated and transmitted from the customer approval information in the wireless terminal. Extract (4735).

Here, the decryption function of the customer approval unit 415 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the When the message digest decrypted with the terminal-side public key is m (Message Digest), the function of the customer approval unit 415 decrypting the encrypted message digest is "Dt2 = m, or Dt2 (Es1 (r)) = m Can be expressed as an expression such as "

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the terminal-side private key in the wireless terminal through the terminal-side public key is RSA (Ron Rivest, Adi Shamir, Len). Adleman), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and various forms of decoding algorithms to be used The decryption algorithm may be matched with an encryption algorithm used in the wireless terminal, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decryption function of the customer approval unit 415 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the customer approval unit 415 generates a predetermined message digest using the same one-way hash function with the received customer approval information (4740), and then generates the generated message digest and the decrypted message digest. By comparing (4745), the validity of the received customer approval information is confirmed.

If the generated message digest coincides with the decrypted message digest (4750), the customer approval unit 415 reads the decrypted customer approval information to determine whether the financial transaction customer has approved the provision of the customized customer impression service. Perform the verification process.

According to another exemplary embodiment of the present invention, the procedure for decrypting the encrypted customer approval information may be performed in the Internet banking server 1600, and thus the present invention is not limited thereto.

48 is a diagram illustrating a company (or company) customer registration system for providing a customized customer impression service to at least one financial transaction customer according to an embodiment of the present invention.

More specifically, FIG. 48 shows at least one company (or company) to provide the customized customer service to at least one or more financial transaction customers who have approved the provision of the customized customer service according to the present invention among a plurality of company (or company) customers. One embodiment of a company (or company) customer registration system that selects and registers customers, and those of ordinary skill in the art to which the present invention pertains, the present invention by referring to and / or modifying the present invention 48 A variety of companies (or corporate) customer registration systems that select and register at least one or more companies (or companies) customers who will provide the customized customer service to at least one financial transaction customer who has approved the provision of customized customer service. It would be possible to infer a method of implementation, but the present invention is directed to all implementations inferred above. It includes both, and shall not be limited to the exemplary method shown in the figure 48.

The financial institution is characterized by having a predetermined financial system 100 for providing at least one or more financial transactions (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one or more company (or corporate) customers. .

The financial system 100 provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And, through the window terminal provides a financial transaction service of face-to-face to at least one company (or corporate) customer.

In addition, the financial system 100 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one or more company (or corporate) customers through the financial terminal.

In addition, the financial system 100 is characterized in that associated with a predetermined Internet banking server 1600, a network (eg, wired Internet, and connected to a TCP / IP-based backbone network through the Internet banking server 1600) And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing functions) connected to an IEEE 802.11x-based wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the like; And / or provide a non-face-to-face financial transaction service to at least one or more company (or corporate) customers through a laptop, the wireless LAN / portable Internet connection and a browsing and / or portable terminal.

In addition, the financial system 100 is characterized in that associated with a predetermined wireless banking server 3200, and through a wireless network (for example, code division multiple access (CDMA) based on a wireless banking server 3200) PCS (Personal) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. At least one or more vendors (or businesses) via a Communication System and / or Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics, etc. ) Provide non-face-to-face financial transaction services to customers.

In addition, the financial system 100 is characterized in that associated with a predetermined IC chip-based wireless banking server 3200, a predetermined wireless network (eg, CDMA (Code CDMA) through the IC chip-based wireless banking server 3200) Division Multiple Access) based mobile communication network, and / or at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based mobile Internet, and / or a DataTAC / Mobitex based wireless data communication network. ) Provides IC chip-based non-face-to-face financial transaction services to at least one company (or corporate) customer.

In addition, the financial system 100 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more business (or corporate) customers via a GSM terminal and / or a smartphone.

In addition, the financial system 100 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one or more business customers.

In addition, the financial system 100 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, Provides a non-face-to-face financial transaction service to at least one or more company (or corporate) customers through satellite DMB terminals and terrestrial DMB terminals.

Referring to FIG. 48, the financial system 100 opens at least one financial account to at least one or more business (or corporate) customers, and provides financial institutions to provide at least one financial transaction service based on the financial account. A computer system provided in the system, comprising: an account system 105 for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or a window), processing of a headquarters business, branch office information support, and customer information management At least one provided in the information system 110 for processing the interconnection between the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one external communication network. Non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, home banking, telebanking, TV banking) Is provided with an external system 115 that provides access to the financial system 100 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 100 is the interface module 120 corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system 100, and the components in the financial system 100 Predetermined information required for each function (e.g., ledger information, and / or management information, and / or customer relationship management obtained by the financial institution in processing financial transactions to the business (or corporate) customer) Customer Relationship Management (CRM) information, etc.) having a DBMS (Database Management System) including at least one database for storing and managing this; It is characterized by being carried.

In addition, the financial system 100 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 100 and the purpose of the financial system 100. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 100, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 100, the financial institution opens at least one financial account to at least one or more company (or corporate) customers, at least one or more financial based on the financial account And a ledger D / B for storing at least one ledger for providing a transaction service, wherein the ledger D / B includes at least one financial institution to be provided to the company (or corporate) customer by the financial institution. At least one or more ledger information (eg, customer ledger, ledger, collateral ledger, etc.) for transaction processing, and at least one corresponding to each ledger information (eg, to further refine and / or supplement the attributes / functions of each ledger) The ledger additional information is characterized in that it is stored in association with the relationship.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 100. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

Referring to FIG. 48, at least one or more companies (or companies) to provide the customized customer service to at least one or more financial transaction customers who have approved the provision of the customized customer service among a plurality of company (or corporate) customers for the financial institution. Corporate system), the financial system 100 accesses the ledger D / B to the customer ledger (and / or the customer ledger) for a specific company (or company) of a plurality of company (or company) customers Ledger reader 4810 for reading at least one additional information associated with the ledger; and a customer corresponding to the customer ledger is provided with the customized customer impression service to at least one financial transaction customer based on the ledger reading result. If the customer confirmation unit (4815) and the customer confirmation result is confirmed to be a company (or company) customer, if the customer (or company) customer, A company (or company) capable of providing the customized customer impression service to at least one financial transaction customer whose customer has approved the provision of the customized customer impression service in an existing customer ledger (and / or a predetermined database associated with the customer ledger). There is provided a predetermined company (or company) registration server 4800 including a company (or company) register unit 4805 that stores company (or company) customer registration information that can identify customers.

In FIG. 48 according to the preferred embodiment of the present invention, the company (or company) registration server 4800 is illustrated as a predetermined server provided outside the financial system 100. However, the present invention is not limited thereto. The business (or business) registration server 4800 is a predetermined server provided in the financial system 100 for business (or business) customer registration according to the present invention, and / or the business (or business) according to the present invention. Company) a predetermined ledger server (or a program recorded on a recording medium provided in the ledger server to provide a company (or enterprise) customer registration function according to the present invention) further equipped with a customer registration function; The information system 110 (or the company (or company) customer registration function according to the invention) (or the information system 110 to provide a company (or company) customer registration function according to the present invention. The may be a program) recorded in a recording medium, to which the present invention is not limited.

In addition, the company (or company) registration server 4800 may be implemented in one server, and / or implemented in one program, or implemented in at least two or more servers for each functional component, and / Or it may be implemented in at least two or more programs, by which the present invention is not limited.

The ledger reader 4810 accesses the ledger D / B on the DBMS provided in the financial system 100, and the customer ledger and the customer ledger for a specific customer among a plurality of customer ledgers stored in the ledger D / B. Extracting at least one ledger information relationally linked and / or at least one additional information relationally linked to the customer ledger (and / or ledger information), and reading the extracted ledger information and additional information The reading result is provided to the customer verification unit 4815.

According to the implementation method of the present invention, the customer ledger basically includes customer information and financial transaction related information for the company (or company) customer, contact information, sales office information, Country code information, area code information, group code information, postal code information, limit information for each customer information file (CIF), financial institution transaction status information, major shareholder information, financial information, cash flow information, follow-up management information, temporary checking table It is preferable that the data is relationally linked with additional information including at least one of handling history information and profitability analysis information, and at least one receiving ledger (and / Or an account ledger) in relation to the customer ledger and / or at least for processing the credit business of the customer. Two or more mortgage Director (and / or loan ledger) preferably handled in conjunction with the customer ledger and relational.

Therefore, the ledger reading unit 4810 may select the at least one company (or corporate) customer to provide the customized customer service to at least one financial transaction customer who has approved the provision of the customized customer service. Extract from the / B the customer ledger for a particular customer and at least one additional information relationally associated with the customer ledger, and / or at least one ledger information relationally associated with the customer ledger (e.g., a reception ledger, And / or collateral ledger) and at least one additional information associated with the ledger information in a relational manner, wherein the customer identification unit 4815 provides the customized customer impression service. At least one or more to provide personalized customer service to at least one authorized financial transaction customer Characterized by reading each item of information corresponding to the selection criteria for the company (or companies) customers.

For example, at least one or more companies (or companies) to provide the customized customer service to at least one or more financial transaction customers who have approved the customer service provided by the customer verification unit 4815 based on the fund contribution rate of the customer. When identifying the customer, the ledger reader 4810 may be configured to include at least one additional information associated with the customer ledger (and / or at least one ledger information associated with the customer ledger), Read the information confirming the fund contribution rate (eg, profitability analysis information associated with the customer ledger) from at least one additional information associated with the ledger information, and then read the ledger reading result into the customer identification unit 4815. To provide.

Or at least one or more companies (or companies) that will provide the customized customer service to at least one or more financial transaction customers who have authorized the customer confirmation service 4815 based on the size of the customer's assets. When identifying a customer, the ledger reader 4810 may be configured to provide the customer ledger (and / or at least one additional information associated with the customer ledger, and / or at least one ledger information associated with the customer ledger, the ledger). Reading information (eg, at least one receiving ledger information associated with the customer ledger) from at least one additional information associated with the information, and then reading the ledger reading result to confirm the customer Provided to part 4815.

Alternatively, at least one or more companies (or companies) to provide the customized customer service to at least one or more financial transaction customers approved by the customer verification unit 4815 based on the cash flow of the customer. ) When the customer is identified, the ledger reader 4810 may include at least one additional information associated with the customer ledger (and / or the customer ledger, and / or at least one ledger information associated with the customer ledger, Reading information (eg, cash flow information associated with the customer ledger) from the at least one additional information associated with the ledger information, and then reading the ledger reading result to confirm the customer Provided to part 4815.

Alternatively, at least one company (or company) customer to provide the customized customer service to at least one or more financial transaction customers approved by the customer verification unit 4815 based on the branch of the customer. When confirming that, the ledger reading unit 4810 is the customer ledger (and / or at least one or more additional information associated with the customer ledger, and / or at least one or more ledger information associated with the customer ledger, the ledger information Read information (eg, sales office information associated with the customer ledger) from at least one additional information associated with the customer ledger, and then provide the ledger reading result to the customer verification unit 4815 do.

Those skilled in the art to which the present invention pertains, in addition to the information exemplified above, each information item (eg, the company (or company) that the customer identification unit 4815 identifies the company (or company) customer. ), The ledger reader 4810 determines the customer ledger (and / or the customer ledger) in response to the brand name of the &lt; RTI ID = 0.0 &gt;) &lt; / RTI &gt; And at least one additional information associated with the customer ledger, and / or at least one additional ledger information associated with the customer ledger, and at least one additional information associated with the ledger information). The present invention is not limited by this.

For example, the customized customer impression service to at least one financial transaction customer who has approved all the company (or corporate) customers who have opened a predetermined financial account at the financial institution to provide the customized customer impression service. Is included in the company (or corporate) customer to be provided, the ledger reader 4810 is associated with the customer ledger (and / or at least one additional information associated with the customer ledger, and / or the customer ledger) Reading at least one or more ledger information, at least one or more additional information associated with the ledger information) may be omitted, thereby not limited to the present invention.

According to another embodiment of the present invention, the ledger reader 4810 is a company (or corporate) customer corresponding to the customer ledger on the customer ledger (and / or in a predetermined database associated with the customer ledger). To read whether a certain company (or company) customer registration information is included to include at least one financial transaction customer who has approved the provision of the customer service. It is possible to further comprise, and thereby the present invention is not limited.

The customer verification unit 4815 is at least one financial transaction customer who has approved a customer (or corporate) customer corresponding to the customer ledger to provide the customized customer impression service based on the ledger reading result of the ledger reading unit 4810 Characterized by checking whether to include in the customer (or company) to provide the customized customer service.

According to the implementation method of the present invention, the customer confirmation unit 4815 includes a predetermined reference value to be included in the company (or company) customer for each information item, and by comparing the reference value and the ledger reading result, the customer It is preferable to check whether the company (or corporate) customer corresponding to the ledger is included in the company (or corporate) customer who will provide the customized customer service to at least one financial transaction customer who has approved the provision of the customized customer service.

For example, at least one or more companies (or companies) to provide the customized customer service to at least one or more financial transaction customers who have approved the customer service provided by the customer verification unit 4815 based on the fund contribution rate of the customer. In identifying the customer, when the customer includes the customer with the fund contribution rate of 80% or more, the customer confirmation unit 4515 is included in the ledger reading result provided from the ledger reader 4810. It is preferable to check whether the company (or corporate) customer corresponding to the customer ledger is included in the company (or corporate) customer who will provide the customized customer impression service by checking whether the amount of funds contributed is 80% or more. Do.

Or at least one or more companies (or companies) that will provide the customized customer service to at least one or more financial transaction customers who have authorized the customer confirmation service 4815 based on the size of the customer's assets. In identifying the customer, when including the customer whose asset size is more than 1 billion won in the company (or corporate) customer, the customer identification unit 4515 is included in the ledger reading result provided from the ledger reader 4810. By checking whether the amount of assets of the customer is more than or equal to the one billion won or less, thereby including whether the company (or company) customer corresponding to the customer ledger is included in the company (or company) customer to provide the customized customer impression service. It is desirable to.

Alternatively, at least one or more companies (or companies) to provide the customized customer service to at least one or more financial transaction customers approved by the customer verification unit 4815 based on the cash flow of the customer. In identifying the customer, when the customer includes the customer whose cash flow size is more than 1 million won per month in the company (or company) customer, the customer identification unit 4515 is provided by the ledger reader 4810 The company (or company) to provide the customized customer impression service to the customer (or company) corresponding to the customer ledger by checking whether the customer's cash flow included in the reading result is more than or less than 1 million won per month on average. It's a good idea to make sure that you include them in your customers.

Alternatively, at least one company (or company) customer to provide the customized customer service to at least one or more financial transaction customers approved by the customer verification unit 4815 based on the branch of the customer. In confirming that, when the sales office includes a customer located in the domestic metropolitan area in the company (or corporate) customer, the customer identification unit 4515 is included in the ledger reading result provided from the ledger reading unit 4810 By confirming whether the sales office is located in the domestic metropolitan area based on the information of the sales office, the company (or corporate) customers corresponding to the customer ledger to check whether to include the company (or corporate) customers to provide the customized customer impression service It is preferable.

As a result of the confirmation by the customer confirming unit 4815, when it is confirmed to include the company (or company) customer corresponding to the customer ledger in the customized customer impression service object, the company (or company) register 4805 may include the above. Predetermined enterprise (or corporate) customer registration to include a corporate (or corporate) customer as a target entity (or enterprise) to provide the personalized customer service to at least one financial transaction customer who has approved the provision of the customized customer service. Generate information, store the generated company (or company) customer registration information in the customer ledger (and / or link), and / or store in a predetermined database associated with the customer ledger; do.

According to an embodiment of the present invention, the company (or company) customer registration information includes at least one or more information items including the company (or company) customer in a target company (or company) to provide the customized customer impression service. And / or at least one or more registration status information of the company (or company) customer, and a predetermined CIF number for processing the company (or company) customer registration information with the customer ledger. It is preferable to comprise.

The company (or company) stored in (or / or linked to) and / or stored in a predetermined database associated with the customer ledger through the company (or company) register 4805 in accordance with the present invention. The customer registration information may be referred to in all financial transaction processes based on the ledger through the financial system 100.

That is, the financial system 100 because the company (or company) customer registration information is stored (and / or linked) in the customer ledger, and / or stored in a predetermined database associated with the customer ledger, Counter-based face-to-face financial transactions, and / or financial terminal-based non-face-to-face financial transactions, and / or Internet banking-based non-face-to-face financial transactions, and / or wireless banking-based non-face-to-face financial transactions And / or non-face-to-face financial transactions based on IC chip wireless banking, and / or non-named financial transactions based on telebanking, and / or non-face-to-face financial transactions based on home banking, and / or TV banking based non- The customized customer impression is applied to at least one financial transaction customer who has approved the provision of the customized customer impression service in at least one of the face-to-face financial transactions. Personalized customer service impressed the target company (or companies) that provide services it is possible to strongly encourage them to subscribe to our customers.

49A and 49B illustrate a configuration of a company (or company) customer registration information for providing a customized customer impression service to at least one financial transaction customer according to an embodiment of the present invention.

More specifically, Figures 49a and 49b include (or / or linked) and store (or / or link) predetermined company (or corporate) customer registration information generated through the customer registration system shown in Figure 48 in the customer ledger, and / Or illustrates an implementation method for configuring information to be stored in a predetermined company (or company) registration information D / B associated with the customer ledger, specifically, Figure 49a is the company (or company) customer registration information is 49B is an implementation method in which the company (or company) customer registration information is stored in a predetermined company (or company) registration information D / B associated with the customer ledger. It is about.

Those skilled in the art to which the present invention pertains can refer to various embodiments of the present invention for storing the customer registration service provider (or company) customer registration information by referring to and / or modifying the drawings 49a and 49b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 49A and 49B.

Referring to Figure 49a, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. However, those skilled in the art to which the present invention pertains, since the contents and features of the information contained in the customer ledger will be clearly understood, detailed description thereof will be omitted for convenience.

In addition, referring to Figure 49a, the customer ledger is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bankbook Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number And relationally with a predetermined ledger (or ledger) that includes at least one or more individual interest rate references and the date of final interest calculation, etc., and the ledger (or ledger) includes account number, withdrawal (months), period Periodic receipt information including at least one (day), extension, maturity date, and target amount, and / or a trust including at least one account number, a deposit amount, par value, pension date, and number of shares corresponding to the account ledger. Receiving information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), combination transaction, date of payment, bank account line, Briefly, transactional information including at least one or more including CIF is processed in relational relations, etc. If one of ordinary skill in the art to which the present invention belongs, the ledger to be processed in relation to the customer ledger is the reception ledger ( It will be clearly understood that other types of ledgers (eg, loan ledgers, collateral ledgers, securities ledgers, remittance ledgers, funds ledgers, customer ledgers, etc.) may also be included in addition to the general ledger). Since at least one or more additional information processed in conjunction with the ledger of the obvious will be familiar with, the detailed description thereof will be omitted for convenience.

In addition, referring to Figure 49a, the customer ledger includes financial information including at least one CIF number, year, B / S amount, P / L amount, manufacturing cost amount, financial ratio, and / or CIF number, period, loan amount. Analysis of profitability, including at least one or more of balance, fund contribution rate, credit category code, credit category credit balance, borrowing interest by credit category, and / or CIF number, year, cash inflows, cash sales costs, cash general management expenses, cash Additional information such as cash flow information including at least one flow amount is processed in connection. If the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is the financial information, the profitability. In addition to the analysis information and cash flow information, other forms of additional information (e.g., contact information for the customer (or company), branch office information, country code information, region code definition) , Group code information, postal code information, limit information for each customer information file (CIF), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.). Detailed description thereof will be omitted for convenience.

In FIG. 49A according to a preferred embodiment of the present invention, the company (or company) customer registration information for including the company (or company) customer corresponding to the customer ledger in the object of providing the customized customer impression service is the customer. Stored in the form of additional information associated with the ledger, the company (or company) customer registration information, the CIF number for processing the company (or company) customer registration information and the customer ledger, and the company (or company) A) at least one information item for including a customer in the customized customer impression service providing object, and / or at least one registration state information for the company (or company) customer.

Referring to FIG. 49B, at least one information item for including the company (or company) customer in the target of providing the customized customer service, and / or at least one or more registration state information for the company (or company) customer is included. The company (or company) customer registration information is processed in association with the CIF number corresponding to the customer ledger is stored in a predetermined company (or company) registration information D / B, thereby to the company (or company) registration information D / B The stored company (or company) customer registration information is characterized in that the relational processing with the customer ledger stored in the ledger D / B.

The information item included in the company (or company) customer registration information may include at least one additional information associated with the customer ledger (and / or the customer ledger, and / or at least one ledger information associated with the customer ledger, And at least one information item corresponding to at least one additional information associated with the ledger information, including an information item including the company (or corporate) customer as the target of providing the customized customer impression service.

* The registration status included in the company (or company) customer registration information is performed by the customer (or company) customer registration procedure for providing a customized customer impression service through the customer registration system shown in FIG. Or enterprise) the customer registration state of the customized customer service.

For example, when the customer (or company) customer is not registered in the customized customer service after performing the customer registration service provider (or company) customer registration procedure provided through the customer registration system shown in FIG. 48. The registration status of the company (or company) customer registration information includes "unregistered company (or company)".

If the customer (or company) customer is registered with the customized customer impression service after performing the customer registration service provider (or company) customer registration process through the customer registration system shown in FIG. 48, If the approval of the company (or company) customer is not obtained, the registration state of the company (or company) customer registration information includes "unregistered company (or company) information".

In addition, after performing a customer registration service target company (or company) customer registration procedure through the customer registration system shown in FIG. 48, the company (or company) customer is registered in the custom customer impression service, and predetermined When the company (or company) customer's approval is obtained by performing the company (or company) information provision procedure of the company, the registration status of the company (or company) customer registration information is referred to as "confirmation of company (or company) information registration". It is made, including, and customized customer impression service according to the present invention is preferably provided when the registration status corresponds to the "confirmation of registration (or company) information".

50A and 50B are diagrams illustrating a customer (or company) customer registration process of providing a customized customer service service according to an embodiment of the present invention.

In more detail, FIGS. 50A and 50B illustrate a method of storing a predetermined company (or company) customer registration information generated through the customer registration system shown in FIG. 48 as shown in FIGS. 49A and 49B. As illustrated, in detail, FIG. 50a illustrates a process of generating and registering a predetermined company (or company) customer registration information, and FIG. 50b illustrates a process of generating and updating a predetermined company (or company) customer registration information. will be.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 50a and 50b to infer various implementation methods for the customer registration process target company (or company) customer registration process. It should be noted that the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 50A and 50B.

In the following Figures 50a and 50b, the company (or company) registration server 4800 shown in Fig. 48 is referred to as " server " for convenience.

Referring to Figure 50a, the server approaches the N (N = 1) customer ledger on the ledger D / B provided in the DBMS (5000a), and read the N (N = 1) customer ledger to the customer Check whether the client (or corporate) customer corresponding to the ledger is an individual customer or a corporate customer (5005a).

If the client (or corporate) customer corresponding to the customer ledger is a personal customer (5010a), the server performs an information registration procedure for the financial transaction customer.

If the company (or corporate) customer corresponding to the customer ledger is a company (or corporate) customer (5010a), the server is the Nth (N = 1) customer ledger (and / or the Nth (N = 1) In operation 5015a, it is checked whether a predetermined company (or company) customer registration information is stored in the company (or company) registration information D / B associated with the customer ledger.

If a customer (or company) customer registration information in the N (N = 1) customer ledger (and / or the company (or company) registration information D / B associated with the N (N = 1) customer ledger) If it is stored (5020a), the server approaches the N (N = N + 1 = 2) customer ledger (5025a), and read the N (N = 1) customer ledger corresponding to the customer ledger Determine whether the business (or corporate) customer is an individual customer or a corporate customer, and the N (N = N + 1 = 2) customer ledger (and / or the N (N = N + 1 = 2) customer The process of checking whether the predetermined company (or company) customer registration information is stored in the company (or company) registration information D / B associated with the ledger is repeated.

On the other hand, a predetermined company (or company) customer registration information in the N (N = 1) customer ledger (and / or the company (or company) registration information D / B associated with the N (N = 1) customer ledger) If not stored (5020a), the server extracts at least one or more information corresponding to the at least one customer confirmation information item associated with the N (N = 1) customer ledger from the ledger D / B ( 5030a), the extracted one or more pieces of information are read to determine whether the company (or company) customer corresponding to the Nth (N = 1) customer ledger is included in the object of providing the customized customer impression service (5035a).

If the company (or company) customer is not included in the personalized customer service offering (5040a), the server accesses the customer ledger N (N = N + 1 = 2) (5025a), and the Nth customer (N = 1) read the customer ledger to check whether the company (or company) customer corresponding to the customer ledger is an individual customer or a corporate customer, and the Nth (N = N + 1 = 2) customer ledger (and And / or confirm that the predetermined company (or company) customer registration information is stored in the company (or company) registration information D / B associated with the Nth (N = N + 1 = 2) customer ledger. N (N = N + 1 = 2) The customer (or company) corresponding to the customer ledger repeats the process of checking whether the customized customer service is provided.

On the other hand, if the company (or company) customer is included in the object of providing the customized customer impression service (5040a), the server is a predetermined company for the company (or company) customer corresponding to the N (N = 1) customer ledger (Or company) customer registration information is generated (5045a), the generated company (or company) customer registration information is stored in association with the Nth (N = 1) customer ledger, and / or the Nth ( N = 1) stored in the predetermined company (or company) registration information D / B associated with the customer ledger (5050a).

The customer registration service provider (or company) customer registration process as described above is repeatedly performed for all customer ledgers stored in the ledger D / B (5055a).

Referring to Figure 50b, the server approaches the N (N = 1) customer ledger on the ledger D / B provided in the DBMS (5000b), and read the N (N = 1) customer ledger to the customer Check whether the client (or corporate) customer corresponding to the ledger is an individual customer or a corporate customer (5005b).

If the company (or company) customer corresponding to the customer ledger is a personal customer (5010b), the server performs an information registration procedure for the financial transaction customer.

If the company (or company) customer corresponding to the customer ledger is a company (or enterprise) customer (5010b), the server is the Nth (N = 1) customer ledger (and / or the Nth (N = 1) It is checked whether a predetermined company (or company) customer registration information is stored in the company (or company) registration information D / B associated with the customer ledger (5015b).

If a customer (or company) customer registration information in the N (N = 1) customer ledger (and / or the company (or company) registration information D / B associated with the N (N = 1) customer ledger) If not stored (5020b), the server extracts at least one or more information corresponding to the at least one customer confirmation information item associated with the N (N = 1) customer ledger from the ledger D / B ( 5035b), the extracted at least one piece of information is read to determine whether the company (or company) customer corresponding to the Nth (N = 1) customer ledger is included in the object of providing the customized customer impression service (5040b).

If the company (or enterprise) customer is not included in the personalized customer service offering (5045b), the server accesses the customer ledger N (N = N + 1 = 2) (5050b), and the Nth customer (N = 1) read the customer ledger to check whether the company (or company) customer corresponding to the customer ledger is an individual customer or a corporate customer, and the Nth (N = N + 1 = 2) customer ledger (and And / or confirm that the predetermined company (or company) customer registration information is stored in the company (or company) registration information D / B associated with the Nth (N = N + 1 = 2) customer ledger. N (N = N + 1 = 2) The customer (or company) corresponding to the customer ledger repeats the process of checking whether the customized customer service is provided.

On the other hand, if the company (or company) customer is included in the target of providing the customized customer service (5045b), the server is a predetermined company for the company (or company) customer corresponding to the N (N = 1) customer ledger (Or company) customer registration information is generated (5070b), and the generated company (or company) customer registration information is stored in association with the Nth (N = 1) customer ledger, and / or the Nth ( N = 1) stored in the predetermined company (or company) registration information D / B associated with the customer ledger (5075b).

On the other hand, a predetermined company (or company) customer registration information in the N (N = 1) customer ledger (and / or the company (or company) registration information D / B associated with the N (N = 1) customer ledger) If it is stored (5020b), the server reads the company (or corporate) customer registration information to determine whether the company (or corporate) customer is already included in the customer (or enterprise) customer to provide the customized customer service service Check (5025b).

If the company (or company) customer is not included in the customized customer impression service target company (or company) customer (5030b), the server reads the extracted one or more pieces of information to the Nth (N). = 1) Check whether the company (or company) customer corresponding to the customer ledger is included in the object of providing the customized customer impression service (5040b).

If the company (or enterprise) customer is not included in the personalized customer service offering (5045b), the server accesses the customer ledger N (N = N + 1 = 2) (5050b), and the Nth customer (N = 1) read the customer ledger to check whether the company (or company) customer corresponding to the customer ledger is an individual customer or a corporate customer, and the Nth (N = N + 1 = 2) customer ledger (and And / or confirm that the predetermined company (or company) customer registration information is stored in the company (or company) registration information D / B associated with the Nth (N = N + 1 = 2) customer ledger. N (N = N + 1 = 2) The customer (or company) corresponding to the customer ledger repeats the process of checking whether the customized customer service is provided.

On the other hand, if the company (or company) customer is included in the target of providing the customized customer service (5045b), the server is a predetermined company for the company (or company) customer corresponding to the N (N = 1) customer ledger (Or company) customer registration information is generated (5070b), and the generated company (or company) customer registration information is stored in association with the Nth (N = 1) customer ledger, and / or the Nth ( N = 1) stored in the predetermined company (or company) registration information D / B associated with the customer ledger (5075b).

On the other hand, if the company (or company) customer is already included in the customer (or company) customer to provide the customized customer service service (5030b), the server is the N (N = 1) customer ledger from the ledger D / B (5035b) extracts at least one or more pieces of information corresponding to at least one or more customer identification information items, and reads the extracted one or more pieces of information to correspond to the Nth (N = 1) customer ledger (or Company) check whether the customer registration information has been changed (or updated) (5060b).

If the company (or company) customer registration information corresponding to the Nth (N = 1) customer ledger is not changed (or updated) (5065b), the server is the Nth (N = N + 1 = 2) customer ledger. Access (5050b), read the Nth (N = 1) customer ledger to confirm whether the company (or corporate) customer corresponding to the customer ledger is an individual customer or an enterprise customer; N + 1 = 2) Register a given company (or company) customer to the customer ledger (and / or the company (or company) registration information D / B associated with the Nth (N = N + 1 = 2) customer ledger) Check whether the information is stored, and repeats the process of confirming that the customer (or corporate) customer corresponding to the N-th (N = N + 1 = 2) customer ledger is to provide the customized customer impression service.

If the company (or company) customer registration information corresponding to the Nth (N = 1) customer ledger is changed (or updated) (5065b), the server corresponds to the company corresponding to the Nth (N = 1) customer ledger. (Or enterprise) generates predetermined company (or company) customer registration information for the customer (5070b), and processes the generated company (or company) customer registration information in association with the Nth (N = 1) customer ledger. And / or stored in a predetermined company (or company) registration information D / B associated with the Nth (N = 1) customer ledger (5075b).

The customer registration service provider (or company) customer registration process as described above is repeatedly performed for all the customer ledgers stored in the ledger D / B (5080b).

51 is a company (or company) subscription induction system for allowing a company (or company) customers to subscribe to a customer-customized customer service providing target to at least one or more financial transaction customers during the terminal-based financial transactions according to an embodiment of the present invention. Figure is shown.

In more detail, FIG. 51 shows a predetermined service target customer registration information as shown in FIG. 49A through the customer registration process shown in FIGS. 50A and / or 50B through the company (or company) registration system shown in FIG. Is stored in (and / or associated with) the customer ledger, and / or stored in predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 49B, and then through the financial system 100. The present invention relates to an implementation method of inducing a customer (or company) customer to join the customized customer impression service provision target in a window terminal-based face-to-face financial transaction process, and having a general knowledge in the technical field to which the present invention belongs. If the customer (or company) customer in the financial transaction process of the window terminal based face-to-face by referring to and / or modifying the drawing 51, Stirring would be able to infer a variety of exemplary ways to encourage them to join the service provider or the target, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 51.

The financial system 100 that provides the counter terminal-based face-to-face financial transaction opens at least one financial account to at least one or more company (or corporate) customers, and at least one financial transaction service based on the financial account. A computer system provided in a financial institution to provide an account, comprising: an accounting system 105 that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window), and the processing and branch office of a headquarters business. An information system 110 that handles information support and customer information management, an interconnection between the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one external At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banks) provided in the communication network , Home banking, telebanking, TV banking, etc.) to access the financial system 100, and / or provide various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 100 includes an interface module 120 corresponding to a middleware platform that provides interfacing between components in the financial system 100. Predetermined information (eg, ledger information, and / or management information, and / or financing of the financial institution's (customer)) customers required for each function in the components of the financial system 100 And a DBMS comprising at least one database for storing and managing customer relationship management (CRM) information, etc. acquired during the transaction. And a gong.

In addition, the financial system 100 and the window terminal provided in at least one or more branches (and / or branches) through a predetermined financial network (for example, our network) in order to provide the window terminal-based face-to-face financial transactions; Characterized in that the communication is connected, characterized in that for performing the at least one ledger-based financial transaction procedure for the teller terminal.

The teller terminal is provided at a branch (and / or branch) of a financial institution corresponding to the financial system 100, and is used as a terminal device used by a teller belonging to the financial institution. It is characterized in that the communication is connected through a financial network (for example, our network).

In the financial transaction process through the window terminal, at least one or more company (or corporate) customers visit the branch (and / or branch) to prepare a predetermined financial transaction slip, and the financial transaction slip and the predetermined financial account and Upon submitting the associated bankbook (and / or card) to the teller, the teller enters the financial transaction information corresponding to the slip into the teller terminal.

Thereafter, the counter terminal transmits the financial transaction information to the financial system 100 through the financial network, and the financial system 100 registers the ledger of the company (or company) customer based on the financial transaction information. After processing the financial transaction corresponding to the financial transaction information through, and transmits the financial transaction results to the window terminal through the financial network.

Thereafter, the window terminal outputs the financial transaction result (eg, a screen output and / or a print output) to complete the financial transaction requested by the client (or company).

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the counter terminal for each financial institution, so the detailed description thereof will be omitted for convenience. .

According to the present invention, the financial system 100 in the process of processing the financial transaction corresponding to the financial transaction information transmitted from the window terminal, and transmits the result to the window terminal through the financial network, the financial system 100 is a service target customer registration information stored in connection with the customer ledger of the company (or corporate) customer, and / or a service target stored in predetermined customer registration information D / B linked to the customer ledger. If the customer registration information is checked and the registration status of the service target customer registration information corresponds to "unregistered company (or company) information", the customer (or company) customer is the customized customer impression service according to the financial transaction result. Further including the company (or company) subscription request information requesting to join the offer target is transmitted to the teller terminal.

Subsequently, the window terminal outputs the customer approval request information together in the process of outputting the financial transaction result, so that the company (or company) customer requests to subscribe to the customized customer impression service target.

In the process of requesting the company (or company) customer to join the target of providing the customized customer service, the teller may verbally explain the details of the customized customer service to the company (or company) customer. .

52 is a diagram illustrating a process of encouraging a customer (or company) customer to subscribe to a customized customer impression service target during a terminal-based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 52 is provided to a customer (or company) registered as a customized customer service service through a customer registration system shown in FIG. 48 through a company (or company) subscription induction system shown in FIG. As a method of obtaining a company (or company) information registration confirmation for providing the customized customer impression service in a window terminal-based face-to-face financial transaction process, a general knowledge in the technical field to which the present invention pertains is provided. Those skilled in the art would be able to infer various implementation methods that lead to joining the tailored customer satisfaction service target company (or company) by referring to and / or modifying this drawing 52. It is not limited to the implementation method shown in FIG.

Referring to FIG. 52, when a predetermined company (or company) customer visits a predetermined branch (or branch) of a branch (or branch) of the financial institution, prepares a predetermined financial transaction slip and submits it to a window (5200). The clerk enters predetermined financial transaction information included in the financial transaction slip into the teller terminal and transmits it to the financial system 100 through the financial network (5205). The financial system 100 (for example, The ledger server provided in the financial system 100 processes at least one financial transaction corresponding to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger). In operation 5210, a predetermined financial transaction result corresponding to the financial transaction process is generated.

Those of ordinary skill in the art to which the present invention pertains will be familiar with the detailed procedures for a given company (or corporate) customer to visit the counter and process at least one financial transaction corresponding to each financial transaction. For the sake of brevity, the detailed description of the counter-terminal face-to-face financial transaction procedure corresponding to each financial transaction is omitted for convenience.

Thereafter, the financial system 100 is stored in association with the ledger corresponding to the financial transaction information (eg, the customer ledger corresponding to the company (or corporate) customer) through the customer registration system illustrated in FIG. 48. The company (or company) customer registration information is confirmed (5215).

According to the method of the present invention, the process of confirming the company (or company) customer registration information stored in association with the ledger (eg, the customer ledger corresponding to the company (or company) customer) is shown in FIG. 48. The process of checking whether there exists a company (or company) customer registration information linked to the ledger through the customer registration system shown, and if the company (or company) customer registration information exists, the company (or company) Preferably, the process includes extracting customer registration information.

If the company (or company) customer registration information associated with the ledger is not confirmed (5220), the financial system 100 transmits the generated financial transaction result to the counter terminal through the financial network ( 5225), the counter terminal completes the financial transaction processing by receiving the financial transaction result through the financial network and outputting a screen and / or printing (5230).

On the other hand, if the company (or company) customer registration information associated with the ledger is confirmed (5220), the financial system 100 reads the confirmed company (or company) customer registration information to the company (or company) In step 5235, the method determines whether to request the customer to join the company (or company) to which the customized customer service is provided.

According to the method of the present invention, the financial system 100 reads the registration status information included in the company (or company) customer registration information, so that the registration status information corresponds to "unregistered company (or company) information". In this case, it is preferable to confirm to the customer (or company) to request the customer approval for providing the customized customer service.

If the company (or company) customer does not request customer approval for providing the customized customer impression service (e.g., the registration status information included in the company (or company) customer registration information is "unregistered". 5240), the financial system 100 transmits the generated financial transaction result to the counter terminal through the financial network (5225). The window terminal receives the financial transaction result through the financial network and outputs a screen and / or prints the result, thereby completing the financial transaction processing (5230).

On the other hand, if the company (or company) customer needs to request customer approval for providing the customized customer impression service (for example, registration status information included in the company (or company) customer registration information is "unregistered company (or company) information"). 5240, the financial system 100 generates a predetermined company (or company) subscription request information, and further includes the generated company (or company) subscription request information in the financial transaction result. The counter terminal transmits to the counter terminal through a financial network (5245), and the counter terminal receives the financial transaction result and the company (or company) subscription request information through the financial network and outputs a screen and / or prints (5250). ), A business for providing the customized customer impression service to at least one or more financial transaction customers approved by the company (or corporate) customer to provide the customized customer impression service. The request to join (or your company).

53 is a company (or company) subscription induction system for allowing a customer (or company) customers to subscribe to a customer-customized customer service provided to at least one financial transaction customer during a financial terminal-based financial transactions according to an embodiment of the present invention Figure is shown.

In more detail, FIG. 53 shows predetermined service target customer registration information as shown in FIG. 49A through the customer registration process shown in FIGS. 50A and / or 50B through the company (or company) registration system shown in FIG. Is stored in (and / or associated with) the customer ledger, and / or stored in predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 49B, and then through the financial system 100. In the financial terminal-based non-face-to-face financial transaction process such as CD / ATM is made of a method for the customer (or company) customer to approve the provision of the customized customer impression service, which is common in the art Those skilled in the art may refer to and / or modify this drawing 53 to provide the customized information to the customer (or corporate) customer during the financial terminal-based non-face-to-face financial transaction process. Various implementation methods may be inferred to induce subscription to a target audience service provision subject, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

The financial system 100 for providing a financial terminal-based non-face-to-face financial transaction opens at least one financial account to at least one or more company (or corporate) customers, and based on the financial account, at least one or more financial transactions. A computer system provided in a financial institution for providing a service, comprising: an account system 105 for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window); An information system 110 that processes branch information support and customer information management, an interconnection between the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one or more At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless) provided in an external communication network Accessing the financial system 100 from king, home banking, tele banking, TV banking, etc.) and / or providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). Interface system 120 corresponding to the middleware platform for providing interfacing between components in the financial system 100, characterized in that it comprises an external system 115, the financial system 100 And predetermined information (e.g., ledger information, and / or management information, and / or the financial institution to the client (or corporate) customer) required for each function in a component in the financial system 100. And a DBMS comprising at least one database for storing and managing customer relationship management (CRM) information, etc. acquired during the processing of financial transactions. It characterized.

In addition, the financial system 100 may provide at least one or more branches (and / or branches) and / or public through a predetermined financial network (eg, CD common network) to provide financial transactions based on the financial terminal. Characterized in that it is connected to the financial terminal including a CD / ATM provided in the place, characterized in that for performing at least one ledger-based financial transaction procedure for the financial terminal.

The financial terminal is provided at a branch (and / or branch) of a financial institution corresponding to the financial system 100, and / or includes a CD / ATM provided at a public place. 100) and a predetermined financial network (eg, CD common network) is characterized in that the communication is connected.

In the financial transaction process through the financial terminal, at least one or more corporate (or corporate) customers have a predetermined financing in a card reader of a financial terminal such as a CD / ATM provided in the branch (and / or branch) and / or public place. A bank with an MS (Magnetic Stripe) storing means information, and / or an MS card (eg, a cash card, a debit card, etc.) equipped with predetermined financial means information, and / or an IC equipped with predetermined financial means information. (Integrated Circuit) When a card (eg, cash card, debit card, electronic bank account) is inserted and at least one financial transaction information is input (or selected) through the financial transaction interface screen provided by the financial terminal, the financial terminal The predetermined text including the financial instrument information and financial transaction information is generated and transmitted to the financial system 100 through the financial network.

Thereafter, the financial system 100 processes the financial transaction corresponding to the financial transaction information through the financial means through the ledger of the company (or company) customer based on the financial instrument information and the financial transaction information. The financial transaction result is transmitted to the financial terminal through the financial network.

Thereafter, the financial terminal outputs the financial transaction result (eg, screen output and / or print output), thereby completing the financial transaction requested by the company (or corporate) customer.

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the financial terminal for each financial institution, and thus the detailed description thereof will be omitted for convenience. .

According to the present invention, the financial system 100 processes the financial transaction corresponding to the transmitted financial transaction information through the financial means corresponding to the financial means information transmitted from the financial terminal, and the result is the financial network. In the process of transmitting to the financial terminal through, the financial system 100 is linked to the customer ledger of the company (or company) customer stored service target customer registration information, and / or the predetermined process is linked to the customer ledger Check the service target customer registration information stored in the customer registration information D / B of the, and if the registration status of the service target customer registration information corresponds to "unregistered company (or company) information", the financial transaction results The company (or corporate) customer further includes a request to join the company (or company) to request to subscribe to the customized customer service service targets. And it transmits it to the service area terminal.

Thereafter, the financial terminal outputs the customer approval request information together in the process of outputting the financial transaction result, so that the company (or company) customer requests to subscribe to the customized customer impression service provision target.

54 is a diagram illustrating a process of encouraging a company (or company) customer to subscribe to a customized customer impression service target during a financial group-based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 54 shows a company (or company) information registration confirmation system shown in FIG. 53 to a company (or company) customer registered for the customized customer impression service through the customer registration system shown in FIG. 48. As a method of obtaining a company (or company) information registration confirmation for providing the customized customer impression service in a financial terminal-based non-face-to-face financial transaction process, it is common in the art to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods of referencing and / or modifying this drawing 54 to induce subscription to the customized customer service service target company (or company). It includes a method, and is not limited to the embodiment shown in FIG.

Referring to FIG. 54, predetermined financial instrument information is stored in a card reader of a financial terminal including a CD / ATM provided by a predetermined company (or corporate) customer at a branch (or branch) and / or a public place of the financial institution. A customer-owned bank account with stored MS (Magnetic Stripe), and / or a customer-owned MS card (e.g., cash card, debit card, etc.) equipped with certain financial instrument information, and / or predetermined financial instrument information. When a customer-owned integrated circuit (IC) card (eg, cash card, debit card, electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen, and a non-face-to-face finance corresponding to the financial transaction interface screen. According to a transaction procedure, the financial system 100 corresponding to predetermined financial instrument information (eg, a corporate (or corporate)) customer is provided from the customer-owned bank account and / or the MS card and / or the IC card. Read the account number, and at least one or more financial transaction information (e.g., deposit account number, bank transfer amount, withdrawal, etc.) corresponding to the financial transaction requested (or selected) by the business (or corporate) customer. The account (customer account) password, etc.) is input (5400).

Those of ordinary skill in the art to which the present invention pertains may include the customer-owned bank account and / or MS card and / or in accordance with a non-face-to-face financial transaction procedure corresponding to at least one financial transaction interface screen provided by the financial terminal. You will be familiar with the process of reading predetermined financial instrument information from the IC card and inputting and processing at least one financial transaction information corresponding to the financial transaction requested by the client (or corporate) customer. Detailed description thereof will be omitted for convenience.

Thereafter, the financial terminal transmits the financial instrument information and the financial transaction information to the financial system 100 through a predetermined financial network (for example, CD common network) (5405), and the financial system 100 (for example, The ledger server provided in the financial system 100 processes at least one financial transaction corresponding to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. A predetermined financial transaction result corresponding to the financial transaction processing is generated (5410).

Those skilled in the art of the present invention will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the financial terminals in response to each financial transaction. The detailed description of the corresponding financial terminal-based non-face-to-face financial transaction procedure is omitted for convenience.

Thereafter, the financial system 100 is stored in association with the ledger corresponding to the financial transaction information (eg, the customer ledger corresponding to the company (or corporate) customer) through the customer registration system illustrated in FIG. 48. Check the service target customer registration information (5415).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a company (or corporate) customer) is performed by the customer illustrated in FIG. 48. And checking whether there is a service target customer registration information linked to the ledger through a registration system, and if the service target customer registration information exists, extracting the service target customer registration information. desirable.

If the service target customer registration information associated with the ledger is not confirmed (5420), the financial system 100 transmits the generated financial transaction result to the financial terminal through the financial network (5425), The financial terminal completes the financial transaction processing by receiving the financial transaction result through the financial network and outputting the screen and / or printing (5430).

On the other hand, if the service target customer registration information associated with the ledger is confirmed (5420), the financial system 100 reads the confirmed service target customer registration information to the customer (or company) customer the customized customer impression Check whether to request customer approval for service provision (5435).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "unregistered company (or company) information", It is desirable to confirm that the company (or corporate) customer requests a customer approval for providing the customized customer service.

If the company (or company) customer does not request customer approval for providing the customized customer impression service (for example, the registration status information included in the service customer registration information corresponds to "unregistered company (or company)", Or "Company (or company) information registration confirmation" (5440), the financial system 100 transmits the generated financial transaction results to the financial terminal through the financial network (5425), the financial The terminal receives the financial transaction result through the financial network and outputs a screen and / or prints the data, thereby completing the financial transaction process (5430).

* On the other hand, if the company (or company) customer needs to request customer approval for the provision of the customized customer impression service (for example, the registration status information included in the service customer registration information corresponds to "unregistered company (or company) information"). 5440, the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result and transmits the generated customer approval request information to the financial terminal through the financial network. In operation 5450, the financial terminal receives the financial transaction result and the company (or company) subscription request information through the financial network, and outputs a screen and / or prints (5450) the customer. Sign up to join a company (or company) that will provide the customized customer service to at least one financial transaction customer who has approved the provision of the customer service. Ask.

55 shows a company (or company) subscription induction system for allowing a company (or company) customer to subscribe to a customized customer impression service providing target to at least one or more financial transaction customers during an internet banking-based financial transaction according to an embodiment of the present invention. Figure is shown.

More specifically, FIG. 55 shows a predetermined service target customer registration information as shown in FIG. 49a through the customer registration process shown in FIGS. 50a and / or 50b through the company (or company) registration system shown in FIG. Is stored in (and / or associated with) the customer ledger, and / or stored in predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 49B, and then the financial system 100 is stored. Through the Internet banking-based non-face-to-face financial transaction process, the company (or corporate) customer to the implementation method for approving the customized customer impression service, if one of ordinary skill in the art to which the present invention belongs, Referring to FIG. 55 and / or modified, the customer (or corporate) customer provides the customized customer service in the non-face-to-face financial transaction process based on Internet banking. Would be able to infer a variety of exemplary ways to encourage them to join the object, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 55.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing x to customize customer satisfaction service target customer approval system using a home banking-based financial transaction using at least one wired communication network, and And / or a customer approval system for a customized customer impression service using a telebanking-based financial transaction using at least one wired communication network, and / or a customer approval system for a customized customer impression service using a TV banking-based financial transaction using at least one wired communication network. It may be inferred, but the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

The financial system 100 for providing a non-face-to-face financial transaction based on the Internet banking may open at least one financial account to at least one company (or corporate) customer, and based on the financial account, at least one financial account. A computer system provided in a financial institution for providing a transaction service, comprising: an accounting system 105 for processing a window service such as a credit or a reception or trust or a foreign exchange occurring at at least one branch (or window); And interconnection between the information system 110, which handles branch information support and customer information management, the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one. At least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based non-faceted) Accessing the financial system 100 from banking, home banking, telebanking, TV banking, etc.) and / or providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). And an external module 115, and the financial system 100 includes an interface module 120 corresponding to a middleware platform that provides interfacing between components in the financial system 100. Predetermined information (e.g., ledger information, and / or management information, and / or the financial institution with respect to the business (or corporate) customer) required for each function in a component in the financial system 100. And a DBMS including at least one database for storing and managing customer relationship management (CRM) information, etc. acquired while processing financial transactions. The features.

The financial system 100 may interface with a predetermined internet banking server 1600 through a predetermined interface means to provide a non-face-to-face financial transaction based on the internet banking. 1600, characterized in that to perform at least one or more ledger-based financial transaction procedures.

According to the method of the present invention, the internet banking server 1600 interworks with the financial system 100 through the external system 115, and for this purpose, the external system 115 may be connected to the external system through a predetermined interface means. It is preferable to include a component for interworking with the Internet banking server 1600.

Referring to FIG. 55, the internet banking server 1600 may include an interface unit 1610 for connecting and managing a predetermined communication channel for internet banking with at least one or more client terminals and a predetermined network means, and the interface unit ( An Internet banking unit 1605 for processing a non-face-to-face Internet banking-based financial transaction to at least one client terminal through a communication channel provided by 1610, and a non-face-to-face Internet provided by the internet banking unit 1605. In the banking process, when a predetermined company (or company) subscription request information is received from the financial system 100 to request a company (or company) customer corresponding to the client terminal to provide the customized customer impression service, the company ( Or corporate) subscription request information by the Internet banking unit 1605 through the interface unit 1610. A customer corresponding to the company (or company) subscription request information from the client terminal through an interface providing unit 1615 that is included in the interface screen provided to the client terminal and outputs and a communication channel provided by the interface unit 1610. When the approval information is received, an information processing unit 1620 for relaying and transmitting the customer approval information to a predetermined customer approval server 400, characterized in that the interface providing unit 1615 is the interface unit 1610 It provides a predetermined interface screen for inputting (or selecting) the customer approval information to the client terminal through) and outputs.

According to another exemplary embodiment of the present invention, when predetermined customer identification information corresponding to the company (or company) subscription request information is received from the client terminal through a communication channel provided by the interface unit 1610, the information processing unit 1620 may relay the received customer confirmation information to the customer approval server 400.

Those skilled in the art to which the present invention pertains, the Internet banking unit 1605 according to the Internet banking procedures defined by each financial institution through the communication channel provided by the interface unit 1610 through the financial system ( Since you will be familiar with the process of providing a non-face-to-face Internet banking service in connection with 100), the Internet banking unit 1605 includes an Internet including a non-face-to-face financial transaction procedure of a web page method and / or a banking program method. Detailed description of providing the banking service will be omitted for convenience.

According to an embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a web page method, the interface unit 1610 may connect the client terminal with HTTP (Hyper). Connect a predetermined communication channel based on a Text Transfer Protocol protocol, and display an Internet banking related interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal through the communication channel. It is preferable to perform a function of transmitting and outputting and receiving and processing predetermined financial transaction information input (or selected) through the internet banking related interface screen from the client terminal.

According to another exemplary embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a banking program method, the interface unit 1610 may be provided in the client terminal. A predetermined communication channel is connected to a predetermined banking program based on a banking protocol defined by the financial institution, and the financial transaction interface information corresponding to the banking protocol is transmitted to the client terminal through the communication channel. Outputs a predetermined internet banking related interface screen and / or information providing screen and receives and processes predetermined financial transaction information input (or selected) through the internet banking related interface screen from the banking program provided in the client terminal. It is desirable to perform the function All.

According to the present invention, the financial system 100 processes the request from the Internet banking server 1600 (eg, the Internet banking unit 1605 provided in the Internet banking server 1600), and the result is the financial network. In the process of transmitting to the Internet banking server 1600 through, the financial system 100 is processed in connection with the customer ledger of the company (or company) customer and stored the service target customer registration information, and / or the customer ledger If the service target customer registration information stored in the predetermined customer registration information D / B that is processed in association is checked, and the registration state of the service target customer registration information corresponds to "unregistered company (or company) information", In addition to the financial transaction results, the company (or company) customer further includes a company (or company) subscription request information requesting to subscribe to the customized customer impression service target Transfer to counter terminal.

If the financial transaction result further includes the company (or company) subscription request information, the internet banking server 1600 (eg, the internet banking unit 1605 provided in the internet banking server 1600) is the financial transaction. In the process of transmitting and outputting a result to the client terminal, the interface providing unit 1615 further includes the company (or company) subscription request information in the financial transaction result and transmits and outputs the result to the client terminal, thereby providing the result. (Or Enterprise) Ask the customer to subscribe to the customized customer service offering.

According to the present invention, the interface providing unit 1615 may provide the Internet banking related interface screen and / or information provided by the Internet banking unit 1605 to the client terminal through a communication channel provided by the interface unit 1610. The service provider may further include a predetermined company (or company) subscription request information on the providing screen. In this case, the Internet banking related interface screen and / or the information providing screen may be displayed on the client terminal. ) The subscription request information is further included.

Subsequently, when the client terminal desires to input (or select) predetermined customer approval information in response to the company (or company) subscription request information, the interface provider 1615 uses the interface unit 1610 to perform the request. And providing and outputting a predetermined interface screen for inputting (or selecting) the customer approval information to a client terminal.

According to an embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a web page type, a predetermined interface for inputting (or selecting) the customer approval information The screen is preferably provided to the client terminal in the form of the HTML compatible document.

According to another exemplary embodiment of the present invention, when the internet banking unit 1605 provides an internet banking service including a non-face-to-face financial transaction procedure of a banking program method, a predetermined method of inputting (or selecting) the customer approval information is provided. The interface screen may be output through a banking program provided in the client terminal, and / or provided to the client terminal in the form of the HTML compatible document and output through a predetermined web browser provided in the client terminal. Thereby, this invention is not limited.

56 is a diagram illustrating a process of inducing a customer (or company) customer to subscribe to a customized customer service service target during an Internet banking-based financial transaction according to an embodiment of the present invention.

More specifically, FIG. 56 shows a company (or company) information registration confirmation system shown in FIG. 55 to a company (or company) customer registered for the customized customer impression service through the customer registration system shown in FIG. 48. As an example of a method of obtaining a company (or company) information registration confirmation for providing the customized customer impression service in a non-face-to-face financial transaction process based on Internet banking, it is common in the art to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods of referencing and / or modifying the drawing 56 to induce the subscription to the customized customer service service company (or company). It includes a method, and is not limited to the embodiment shown in FIG.

In the following Figure 56, the client terminal shown in Figure 55 is referred to as " terminal " for convenience.

Referring to FIG. 56, when a predetermined company (or company) customer accesses the Internet banking server 1600 through a predetermined terminal and requests a predetermined financial transaction (5600), the Internet banking server 1600 may be configured to request the predetermined financial transaction. Providing an interface screen corresponding to at least one internet banking based non-face-to-face financial transaction corresponding to the requested financial transaction to the terminal, wherein the terminal provides an internet banking-based non-face-to-face financial transaction procedure (eg, predetermined) through the interface screen. Inputting the financial transaction information, and transmitting the financial transaction information to the internet banking server 1600 by attaching an encrypted and / or electronic signature through an official certificate of a company (or corporate) customer). Financial transaction information for the internet banking-based financial transaction (e.g., bank transfer transaction, withdrawal account (customer account) number, deposit account number) When the bank transfer amount, withdrawal account (customer account) password, security code number, etc.) is transmitted, the internet banking server 1600 provides the received financial transaction information to the financial system 100 (5605).

According to the exemplary embodiment of the present invention, the internet banking server 1600 may perform a procedure for decrypting the financial transaction information when the financial transaction information for the internet banking-based financial transaction received from the terminal is encrypted. And / or a predetermined electronic signature is attached to the financial transaction information for the internet banking-based financial transaction received from the terminal, it is preferable to perform the electronic signature attached to the financial transaction information.

Those skilled in the art to which the present invention pertains may include a method of decrypting the encrypted financial transaction information in the internet banking server 1600 and / or a method of confirming an electronic signature attached to the financial transaction information. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

Thereafter, the financial system 100 (eg, a ledger server provided in the financial system 100) is connected to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger). At least one corresponding financial transaction is processed and a predetermined financial transaction result corresponding to the financial transaction processing is generated 5610.

Those skilled in the art to which the present invention pertains will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the terminal in response to each financial transaction. The detailed description of the non-face-to-face financial transaction process based on Internet banking is omitted for convenience.

Thereafter, the financial system 100 is stored in association with the ledger corresponding to the financial transaction information (eg, the customer ledger corresponding to the company (or corporate) customer) through the customer registration system illustrated in FIG. 48. The service target customer registration information is checked (5615).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a company (or corporate) customer) is performed by the customer illustrated in FIG. 48. And checking whether there is a service target customer registration information linked to the ledger through a registration system, and if the service target customer registration information exists, extracting the service target customer registration information. desirable.

If the service target customer registration information associated with the ledger is not confirmed (5620), the financial system 100 transmits the generated financial transaction result to the Internet banking server 1600 (5625), The internet banking server 1600 transmits the received financial transaction result to the terminal (5630), and the terminal completes the financial transaction process by outputting the received financial transaction result (5635).

On the other hand, if the service target customer registration information associated with the ledger is confirmed (5620), the financial system 100 reads the confirmed service target customer registration information to the customer (or company) customer the customized customer impression It is checked whether or not to request customer approval for service provisioning (5640).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "unregistered company (or company) information", It is desirable to confirm that the company (or corporate) customer requests a customer approval for providing the customized customer service.

If the company (or company) customer does not request customer approval for providing the customized customer impression service (for example, the registration status information included in the service customer registration information corresponds to "unregistered company (or company)", Or "if the company (or company) information registration confirmation" (5645), the financial system 100 transmits the generated financial transaction results to the Internet banking server 1600 (5625), the Internet banking The server 1600 transmits the received financial transaction result to the terminal (5630), and the terminal completes the financial transaction processing by outputting the received financial transaction result (5635).

On the other hand, if the company (or company) customer needs to request customer approval for providing the customized customer impression service (e.g., if the registration status information included in the service customer registration information corresponds to "unregistered company (or company) information") In operation 5650, the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result to the Internet banking server 1600 (5650). ), The internet banking server 1600 includes the customer approval request information in the received financial transaction result and transmits it to the terminal (5655), and the terminal receives the financial transaction result and the company (or company) subscription request information. Receiving and outputting the screen (5660), the company (or corporate) customer to the at least one financial transaction customer approved for providing the customized customer impression service Ask them to join a company (or company) that will provide customized customer service.

57 is a company (or corporate) subscription induction system for allowing a customer (or corporate) customer to subscribe to a customized customer impression service target to at least one financial transaction customer during a wireless banking based financial transaction according to an embodiment of the present invention. Figure is shown.

In more detail, Figure 57 shows a predetermined service target customer registration information as shown in Figure 49a through the customer registration process shown in Figure 50a and / or Figure 50b through the company (or company) registration system shown in Figure 48 Is stored in (and / or associated with) the customer ledger, and / or stored in predetermined customer registration information D / B associated with the customer ledger as shown in FIG. 49B, and then through the financial system 100. In the non-face-to-face financial transaction process based on wireless banking, a method of approving the provision of the customer-customized customer service by the company (or corporate) customer, and a person having ordinary knowledge in the technical field to which the present invention belongs, Referring to FIG. 57 and / or modified, a customer (or corporate) customer can provide the customized customer satisfaction service in a wireless banking based non-face-to-face financial transaction process. Would be able to infer a variety of exemplary ways to encourage them to join, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 57.

For example, those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 57 to customize customer satisfaction service target customer approval system using predetermined financial transactions based on IC chip-based wireless banking. It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In addition, if a person of ordinary skill in the art to which the present invention pertains, a customer approval system for a customized customer impression service using a home banking-based financial transaction using at least one or more wireless communication networks by referring to and / or modifying the drawing 57, and And / or a customer approval system subject to customized customer impression service using telebanking based financial transaction using at least one wireless communication network, and / or a customer approval system subject to customized customer impression service using TV banking based financial transaction using at least one wireless communication network. It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

The financial system 100 for providing a wireless banking-based non-face-to-face financial transaction may open at least one financial account to at least one or more company (or corporate) customers and at least one financial transaction based on the financial account. A computer system provided in a financial institution for providing a service, comprising: an account system 105 for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window); An information system 110 that processes branch information support and customer information management, an interconnection between the financial system 100 and at least one other financial system 100 (and / or payment system), and / or at least one or more At least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless) provided in an external communication network Accessing the financial system 100 from king, home banking, tele banking, TV banking, etc.) and / or providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). And an external module 115, and the financial system 100 may further include an interface module 120 corresponding to a middleware platform that provides interfacing between components in the financial system 100. Predetermined information (e.g., ledger information, and / or management information, and / or the financial institution with respect to the business (or corporate) customer) required for each function in a component in the financial system 100. And a DBMS comprising at least one database for storing and managing customer relationship management (CRM) information, etc. acquired in the course of financial transactions. It characterized.

In addition, the financial system 100 may interface with a predetermined wireless banking server 3200 through a predetermined interface means to provide the wireless banking based non-face-to-face financial transaction. 3200) characterized in that to perform at least one or more ledger-based financial transaction procedures requested.

According to the method of the present invention, the wireless banking server 3200 is interlocked with the financial system 100 through the external system 115, and for this purpose, the external system 115 is connected to the external system through a predetermined interface means. It is preferable to include a component for interworking with the wireless banking server 3200.

Referring to FIG. 57, the wireless banking server 3200 may include an interface unit 1610 for connecting and managing a predetermined communication channel for wireless banking through at least one or more wireless terminals and predetermined network means, and the interface unit ( A wireless banking unit 1625 for processing a non-face-to-face wireless banking-based financial transaction to at least one wireless terminal through a communication channel provided by 1610, and a non-face-to-face radio provided by the wireless banking unit 1625. In the banking process, when a predetermined company (or company) subscription request information is received from the financial system 100 to request a company (or company) customer corresponding to the wireless terminal to provide the customized customer impression service, the company ( Or corporate) subscription request information on an interface screen provided by the wireless banking unit 1625 to the wireless terminal through the interface unit 1610. When the customer approval information corresponding to the company (or company) subscription request information is received from the wireless terminal through the interface providing unit 1615 and the communication channel provided by the interface unit 1610, the customer And an information processing unit 1620 for relaying the approval information to a predetermined customer approval server 400, wherein the interface providing unit 1615 is connected to the wireless terminal through the interface unit 1610. And providing and outputting a predetermined interface screen for inputting (or selecting) customer approval information.

According to another exemplary embodiment of the present invention, when predetermined customer identification information corresponding to the company (or company) subscription request information is received from the wireless terminal through a communication channel provided by the interface unit 1610, the information processing unit 1620 may relay the received customer confirmation information to the customer approval server 400.

According to an embodiment of the present invention, the wireless banking server 3200 is provided on a wireless communication network (for example, a CDMA stack based mobile communication network and / or an IEEE 802.16x based mobile Internet) to which the wireless terminal is connected. And / or may be provided in a computer system of a financial institution equipped with the financial system 100, and thus the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, the wireless banking unit 1625, through the communication channel provided by the interface unit 1610 according to the wireless banking procedures defined by each financial institution (the financial system ( Since you will be familiar with the procedure for providing a non-face-to-face wireless banking service in connection with 100), the wireless banking unit 1625 includes a web page method and / or a banking program type non-face-to-face financial transaction procedure. Detailed description of providing the banking service will be omitted for convenience.

According to an embodiment of the present invention, the network means includes a CDMA stack-based mobile communication network, and the wireless banking unit 1625 has a WAP / ME (Wireless Application Protocol / Mobile Explorer) type of non-face-to-face financial transaction procedure. When providing a wireless banking service comprising a, the interface unit 1610 connects a predetermined communication channel based on the CDMA stack with the wireless terminal, and the WML (Wireless Markup Language) and the wireless terminal through the communication channel And / or transmits and outputs a wireless banking related interface screen and / or information providing screen in the form of an HTML compatible document, and receives and processes predetermined financial transaction information input (or selected) through the wireless banking related interface screen from the wireless terminal. It is desirable to perform the function.

According to another exemplary embodiment of the present invention, when the wireless banking unit 1625 provides a wireless banking service including a non-face-to-face financial transaction procedure of a banking program method, the interface unit 1610 is provided in the wireless terminal. Connect a predetermined communication channel based on a predetermined banking program and a banking protocol defined by the financial institution, and transmit the financial transaction interface information corresponding to the banking protocol to the wireless terminal through the communication channel to the banking program. Outputting a predetermined wireless banking related interface screen and / or information providing screen and receiving and processing predetermined financial transaction information input (or selected) through the wireless banking related interface screen from the banking program included in the wireless terminal; It is desirable to perform the function.

According to the present invention, the financial system 100 processes the request from the wireless banking server 3200 (for example, the wireless banking unit 1625 provided in the wireless banking server 3200), and the result is the financial network. In the process of transmitting to the wireless banking server 3200 through, the financial system 100 is processed in connection with the customer ledger of the company (or corporate) customer stored service target customer registration information, and / or the customer ledger and If the service target customer registration information stored in the predetermined customer registration information D / B that is processed in association is checked, and the registration state of the service target customer registration information corresponds to "unregistered company (or company) information", The window group further includes a company (or company) subscription request information requesting the company (or company) customer to join the personalized customer satisfaction service target in the financial transaction result. And transmits it to.

When the financial transaction result further includes the company (or company) subscription request information, the wireless banking server 3200 (for example, the wireless banking unit 1625 provided in the wireless banking server 3200) may perform the financial transaction. In the process of transmitting and outputting a result to the wireless terminal, the interface providing unit 1615 further includes the company (or company) subscription request information in the financial transaction result and transmits and outputs the result to the wireless terminal, thereby providing the company ( Or a company) requesting the customer to receive the customized customer service.

According to the present invention, the interface providing unit 1615 may provide the wireless banking related interface screen and / or information provided by the wireless banking unit 1625 to the wireless terminal through a communication channel provided by the interface unit 1610. The service provider may further include a predetermined company (or company) subscription request information on the providing screen. In this case, the wireless banking related interface screen and / or the information providing screen may be displayed on the wireless terminal. ) The subscription request information is further included.

Subsequently, when the wireless terminal wants to input (or select) predetermined customer approval information in response to the company (or company) subscription request information, the interface provider 1615 uses the interface unit 1610 to perform the request. Characterized by providing a predetermined interface screen for inputting (or selecting) the customer approval information to the wireless terminal, characterized in that for outputting.

According to an embodiment of the present invention, when the wireless banking unit 1625 provides a wireless banking service including a non-face-to-face financial transaction procedure of a web page type, a predetermined interface for inputting (or selecting) the customer approval information The screen is preferably provided to the wireless terminal in the form of the WML / HTML compatible document.

According to another exemplary embodiment of the present invention, when the wireless banking unit 1625 provides a wireless banking service including a non-face-to-face financial transaction procedure of a banking program method, a predetermined method of inputting (or selecting) the customer approval information is provided. The interface screen may be output through a banking program provided in the wireless terminal, and / or may be provided to the wireless terminal in the form of the WML / HTML compatible document and output through a predetermined web browser provided in the wireless terminal. The present invention is not limited thereto.

58 is a diagram illustrating a process of encouraging a customer (or company) customer to subscribe to a customized customer service service target during a wireless bank-based financial transaction according to an embodiment of the present invention.

In more detail, FIG. 58 shows a company (or company) information registration confirmation system shown in FIG. 57 to a company (or company) customer registered as the customized customer impression service through the customer registration system shown in FIG. 48. As a method of obtaining a company (or company) information registration confirmation for providing the customized customer impression service in a non-face-to-face financial transaction process based on wireless banking, the present invention is generally described in the art. Those skilled in the art will be able to infer various implementation methods for referencing and / or modifying the drawing 58 to induce subscription to the customized customer service service company (or company). It includes an implementation method and is not limited to the implementation method shown in FIG.

In the following figure 58, the wireless terminal shown in the figure 57 is referred to as " terminal " for convenience.

Referring to FIG. 58, when a predetermined company (or company) customer accesses the wireless banking server 3200 through a predetermined terminal and requests a predetermined financial transaction (5800), the wireless banking server 3200 may be configured as described above. Providing an interface screen corresponding to at least one wireless banking based non-face-to-face financial transaction corresponding to the requested financial transaction to the terminal, wherein the terminal provides a wireless banking-based non-face-to-face financial transaction procedure (eg, a predetermined value) through the interface screen. Input the financial transaction information, and transmit the financial transaction information to the wireless banking server 3200 by attaching an encryption and / or an electronic signature through an official certificate of a company (or corporate) customer). 3200, the wireless banking-based financial transaction financial transaction information (for example, when the transfer account, withdrawal account (customer account) number, deposit account number, account transfer amount) When the withdrawal account (customer account) password, security code number, etc.) is transmitted, the wireless banking server 3200 provides the received financial transaction information to the financial system 100 (5805).

According to the exemplary embodiment of the present invention, when the wireless banking-based financial transaction financial transaction information received from the terminal is encrypted, the wireless banking server 3200 performs a procedure for decrypting the financial transaction information. When a predetermined electronic signature is attached to the financial transaction information for the wireless banking-based financial transaction received from the terminal, and / or confirming the electronic signature attached to the financial transaction information.

Those skilled in the art to which the present invention pertains may include a method of decrypting the encrypted financial transaction information in the wireless banking server 3200, and / or a method of confirming an electronic signature attached to the financial transaction information. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

Thereafter, the financial system 100 (eg, a ledger server provided in the financial system 100) is connected to the financial transaction information through a ledger corresponding to the financial transaction information (eg, a customer ledger and / or a reception ledger). At least one corresponding financial transaction is processed and a predetermined financial transaction result corresponding to the financial transaction processing is generated 5810.

Those skilled in the art to which the present invention pertains will be familiar with the detailed procedures for processing non-face-to-face financial transactions through the terminal in response to each financial transaction. The detailed description of the wireless banking based non-face-to-face financial transaction procedure will be omitted for convenience.

Thereafter, the financial system 100 is stored in association with the ledger corresponding to the financial transaction information (eg, the customer ledger corresponding to the company (or corporate) customer) through the customer registration system illustrated in FIG. 48. The service target customer registration information is confirmed (5815).

According to an embodiment of the present invention, the process of confirming the service target customer registration information stored in association with the ledger (for example, a customer ledger corresponding to a company (or corporate) customer) is performed by the customer illustrated in FIG. 48. And checking whether there is a service target customer registration information linked to the ledger through a registration system, and if the service target customer registration information exists, extracting the service target customer registration information. desirable.

If the service target customer registration information associated with the ledger is not confirmed (5820), the financial system 100 transmits the generated financial transaction results to the wireless banking server 3200 (5825), The wireless banking server 3200 transmits the received financial transaction result to the terminal (5830), and the terminal completes the financial transaction processing by outputting the received financial transaction result (5835).

On the other hand, if the service target customer registration information associated with the ledger is confirmed (5820), the financial system 100 reads the confirmed service target customer registration information to the customer (or company) customer the customized customer impression Check whether or not to request customer approval for service provision (5840).

According to the method of the present invention, the financial system 100 reads the registration status information included in the service target customer registration information, and when the registration status information corresponds to "unregistered company (or company) information", It is desirable to confirm that the company (or corporate) customer requests a customer approval for providing the customized customer service.

If the company (or company) customer does not request customer approval for providing the customized customer impression service (for example, the registration status information included in the service customer registration information corresponds to "unregistered company (or company)", Or "confirm the company (or company) information registration confirmation" (5845), the financial system 100 transmits the generated financial transaction results to the wireless banking server 3200 (5825), the wireless banking The server 3200 transmits the received financial transaction result to the terminal (5830), and the terminal completes the financial transaction processing by outputting the received financial transaction result (5835).

On the other hand, if the company (or company) customer needs to request customer approval for providing the customized customer impression service (e.g., if the registration status information included in the service customer registration information corresponds to "unregistered company (or company) information") ) (5845), the financial system 100 generates predetermined customer approval request information, and further includes the generated customer approval request information in the financial transaction result and transmits it to the wireless banking server 3200 (5850). ), The wireless banking server 3200 transmits to the terminal including the customer approval request information in the received financial transaction result (5855), the terminal is the financial transaction results and the company (or company) subscription request information By receiving and outputting the screen (5860), the custom (customer) to the at least one financial transaction customer that the customer (or corporate) customer approved the provision of the customized customer service Ask to join a company (or company) that will provide customer impression service.

FIG. 59 is a diagram illustrating an information registration system for registering a customer (or company) customer as an object of providing the customized customer impression service according to an embodiment of the present invention.

In more detail, in FIG. 59, a company (or company) terminal accesses an information registration system through a predetermined network means, and the company (or company) customer registers the customer (or company) customer as a target for providing the customized customer service. Company (or company) terms, including company) information, information on at least one or more products (or services) sold by the company (or company), and conditions provided by the company (or company) for the product (or service) System configuration for storing information by linking and storing the information in the company (or company) information D / B, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modified this figure 59 Or company) can infer various implementation methods for the configuration of information registration system for customers to register as the target of providing customized customer service. Would be, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 59.

Hereinafter, the company (or company) information provided from the company (or company) terminal and at least one product (or service) information sold by the company (or company) and the information on the information registration system shown in FIG. At least one means and / or function for storing the company (or company) condition information, including the conditions presented by the company (or company) for the goods (or services), in the company (or company) information D / B. The component corresponding to the configuration is called "information registration server 5900" for convenience.

Referring to this figure 59 according to an embodiment of the present invention, an information registration system for registering a customer (or company) customer according to the present invention as the object of providing the customized customer impression service includes at least one or more connected to a predetermined network means. Company (or company) terminal, the company (or company) information transmitted from the company (or company) terminal, at least one or more product (or service) information sold by the company (or company) and the product (or service) ) (Or company) information D / B for linking and storing company (or company) condition information including the conditions suggested by the company (or company), and the company (or company) terminal The company (or company) information connected through network means and transmitted by the network means and written by the company (or company) The company (or company) information D / B by receiving the company (or company) condition information including one or more goods (or service) information and the conditions presented by the company (or company) for the product (or service). It characterized in that it comprises an information registration server (5900) for storing the cooperative processing.

The company (or company) terminal may be a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or laptop connected to the information registration server 5900 and / or connected to a code division multiple access (CDMA) based mobile communication network. A wireless terminal comprising at least one mobile communication terminal, and / or a portable internet terminal connected to IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network. Characterized in that it comprises one or more, the company (or company) terminal in the information registration server 5900 A function configuration (for example, a browser program and a communication function) for outputting at least one interface screen, and for inputting and / or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 5900 is provided. It is preferable that it is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the company (or company) terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Is omitted for convenience.

When the company (or company) terminal is a wired terminal according to the embodiment of the present invention, the network means comprises the TCP / IP-based wired network, when the company (or company) terminal is a wireless terminal Preferably, the network means comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless internet, and / or DataTAC / Mobitex based wireless data communication network.

The company (or company) information D / B provided on the information registration system according to the present invention is at least sold by the company (or company) information and the company (or company) transmitted from the company (or company) terminal Characterized in that the at least one product (or service) information and the company (or company) condition information including the conditions proposed by the company (or company) with respect to the product (or service) is stored in association.

According to an embodiment of the present invention, the information registration server 5900 is provided with the company (or company) terminal through the network means to provide a web interface corresponding to the company (or company) terminal and the network means. And an interface unit 5905 for connecting and managing a communication channel of the communication channel. Thus, the information registration server 5900 communicates with the company (or company) terminal through a wired network and / or a wireless network. It has the function of a web server to be connected.

According to an embodiment of the present invention, when the company (or company) terminal is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 5905 may communicate with the company (or company) terminal. Connect a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and interface screen and / or Hyper-Text Markup Language (HTML) compatible document form to the company (or company) terminal through the communication channel. The information providing screen is transmitted and output, and the company (or company) information input (or selected) from the company (or company) terminal through the interface screen and at least one or more products sold by the company (or company) ( Or service) information and the conditions of the company (or company) including the conditions proposed by the company (or company) for the goods (or services). It is preferable to perform this function.

According to another exemplary embodiment of the present invention, when the company (or company) terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 5905 may communicate with the company (or company) terminal and the WAP. (Wireless Markup Language) and / or HTML compatible document by connecting a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol and through the communication channel to the company (or company) terminal. Transmits and outputs an interface screen and / or an information providing screen in a form, and at least one or more of the company (or company) information corresponding to the interface screen from the company (or company) terminal and sold by the company (or company) A business (or company) set that includes product (or service) information and the conditions presented by the business (or company) for the product (or service). To carry out the functions of: receiving process information is preferred.

According to another exemplary embodiment of the present invention, when the company (or company) terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 5905 may be the company (or company) terminal. And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, and transmits and outputs a predetermined interface screen and / or information providing screen to the company (or company) terminal through the communication channel. , The company (or company) information corresponding to the interface screen from the company (or company) terminal, at least one or more product (or service) information sold by the company (or company), and the product (or service) Performing a function of receiving and processing the company (or company) condition information including the condition suggested by the company (or company). And / or when the company (or company) terminal is a wireless terminal to which a communication channel is connected through a DataTAC / Mobitex-based wireless network, the interface unit 5905 is connected to the company (or company) terminal and the DataTAC. Connect a predetermined communication channel based on a wireless protocol corresponding to the / Mobitex standard, and transmits and outputs a predetermined interface screen and / or information providing screen to the company (or company) terminal through the communication channel, (Or a company) the company (or company) information corresponding to the interface screen from the terminal, at least one or more goods (or services) information sold by the company (or company) and the company (or service) for the product (or service) Or a company (or company) condition information including a condition suggested by the company).

Referring to FIG. 1, the information registration server 5900 interworks with the interface unit 5905 when a predetermined company (or company) terminal accesses the information registration server 5900 through the interface unit 5905. The company (or company) for the company (or company) information and at least one or more product (or service) information and the product (or service) sold by the company (or company) in the company (or company) terminal An interface providing unit 5910 that generates (or extracts) a predetermined interface screen for inputting (or selecting) and transmitting (or selecting) company (or company) condition information including a condition indicated by) and the interface unit ( 5905, the vendor (or company) information and the company (or company) information that is input (or selected) and transmitted through the interface screen from the company (or company) terminal and sold in the company (or company) An information receiving unit 5915 receives the company (or company) condition information including at least one or more product (or service) information and the condition that the company (or company) presents for the product (or service); Including the received information of the company (or company), at least one product (or service) sold by the company (or company), and conditions provided by the company (or company) for the product (or service). And an information storage unit 5920 for storing and processing the company (or company) condition information in the company (or company) information D / B.

The interface provider 5910 has a functional configuration (eg, provided in the company (or company) terminal when a predetermined company (or company) terminal accesses the information registration server 5900 through the interface unit 5905). Corresponding to the predetermined company (or company) information, at least one product (or service) sold by the company (or company), and the product (or service) corresponding to a browser program provided in the company (or company) terminal. A predetermined interface screen for inputting (or selecting) company (or company) condition information including a condition suggested by the company (or company) to be transmitted to the information registration server 5900 through the network means. Generate and / or extract from a predetermined database (not shown), and interface with the interface unit 5905 to generate the generated (or extracted) interface screen. It is characterized by providing to the company (or company) terminal through the network means.

Subsequently, the company (or company) terminal may provide predetermined company (or company) information, at least one or more product (or service) information sold by the company (or company), and the product (or service) based on the interface screen. Enter (or select) the company (or company) condition information including the conditions presented by the company (or company), and enter (or select) the company (or company) information and the company (or the entered) The company (or company) condition information including at least one product (or service) information sold by the company) and a condition that the company (or company) presents for the product (or service) through the network means. It transmits to the information registration server 5900.

The information receiving unit 5915 may provide predetermined company (or company) information, at least one product (or service) information sold by the company (or company), and the information on the interface screen from the company (or company) terminal. Interworking with the interface unit 5905 when inputting (or selecting) company (or company) condition information including a condition suggested by the company (or company) for a product (or service) and transmitting it through the network means. A company that includes the company (or company) information, at least one product (or service) information sold by the company (or company), and the conditions presented by the company (or company) for the product (or service). (Or company) conditional information is received, and the company (or company) information received and the product sold by the company (or company) At least one product (or service) information and the company (or company) condition information including a condition that the company (or company) presents for the product (or service) is provided to the information storage unit 5920.

The information storage unit 5920 may store the company (or company) information received through the information receiver 5915, at least one product (or service) information sold by the company (or company), and the product (or service). ) Stores the information on the company (or company) information D / B by linking and processing the company (or company) condition information including the condition suggested by the company (or company).

Here, the company (or company) information is a company (or company) name, main product information, employees for a company (or company) registered to provide a customized customer service according to the present invention to at least one or more financial transaction customers At least one that includes basic information such as the number of companies (or companies) and stock price information, financial statement information, etc., if the company (or company) is a publicly traded company. It is preferable to include the above information.

In addition, the product (or service) information is a product (or service) related information to be provided to the at least one financial transaction customer in the company (or company), product (or service) name, product (or service) price, product (Or service) preferably comprises at least one or more detailed configuration information.

The company (or company) condition information is a condition that the company (or company) presents to at least one financial transaction customer in response to the product (or service) information, and includes discount rate information, A / S information, and the product (or Service), and at least one additional service information or the like.

According to the present invention, the information registration server 5900 is registered at least two or more similar companies (or companies) in the company (or company) information D / B, and similar products (or services) in the same company (or company) ) When information is registered or a product (or service) registered by the same company (or company) overlaps, it is advantageous to the financial transaction customer based on the company (or company) condition information on the product (or service). It is characterized by comprising an information confirmation unit (5925) for identifying the excellent company (or company) that presented the conditions.

According to the implementation method of the present invention, the information checking unit 5925 may additionally (or, if it is impossible to determine the ranking by the company (or company) condition) other than the company (or company) condition information, the same company (or It is desirable to identify superior companies (or companies) among the same companies (or companies) based on the brand name value of the company).

In addition, the information checking unit 5925 may additionally (or, if it is impossible to determine the ranking by the company (or company) condition) other than the company (or company) condition information, the company (or company) for the same company (or company) ( Or firm) based on information (eg, the number of employees, stock price information, financial statement information, etc.), it is preferable to identify the superior companies (or companies) among the same companies (or companies).

When the information confirming unit 5925 identifies the excellent company (or company) among the same company (or company), the information storage unit 5920 may provide the same company (or company) with respect to the excellent company (or company). And linking the ranking information and storing the company (or company) information in the D / B.

According to the method of the present invention, it is preferable that more excellent companies (or companies) among the same companies (or companies) are provided with more opportunities to provide customized customer impression services according to the present invention to the financial transaction customers.

According to an exemplary embodiment of the present invention, the company (or company) at least one or more products (or services) sold by the company (or company) information and the company (or company) through the information registration server 5900. Registering the company (or company) condition information including the information and the conditions presented by the company (or company) for the product (or service), and / or the company (or company) information and the company (or After the company (or company) condition information including at least one product (or service) information sold by the company) and the condition (s) of the company (or company) is presented for the product (or service), and / Alternatively, after the company (or company) is identified as an excellent company (or company), the interface provider 5910 may allow the company (or company) to deliver the product (or service) to the company (or company). Select at least one financial transaction customer to provide through the transaction information, and provide (or sell) the product (or service) corresponding to the company (or corporate) condition information in the financial transaction process of the financial transaction customer. The service request interface screen may be generated (or extracted), and the service request interface screen may be provided to the company (or company) terminal through the interface unit 5905.

Thereafter, the company (or company) terminal inputs (or selects) service request information for requesting to provide the product (or service) corresponding to the company (or company) condition information through the service request interface screen. It transmits to the information registration server 5900 via a network means.

In this case, the interface providing unit 5910 performs a function of posting at least one or more customer information obtained with the customer approval on an interface screen provided to the company (or company) terminal.

When the service request information is transmitted from the company (or company) terminal through the network means, the information receiving unit 5915 receives the service request information and provides the service request information to the information storage unit 5920, and the information storage unit 5920 may process the received service request information in association with the company (or company) information (and / or product (or service) information) and store the information in the company (or company) information D / B. .

Here, the service request information includes financial transaction customer group information that the company (or company) intends to provide (or sell) the product (or service) corresponding to the company (or company) condition information. The financial transaction customer group information may include at least one or more category information stored in the customer information D / B (eg, age category, gender category, and / or service provider category, and / or address category, and / or sales office) Or branch), and / or employee category, asset size category, and / or investment product category, and / or hobby category, and / or taste category, and / or characteristic category.

Subsequently, during the financial transaction of the financial transaction customer included in the financial transaction customer group information, providing the product (or service) to the financial transaction customer in response to the company (or company) condition information in connection with the financial transaction ( Or sell) services.

According to another exemplary embodiment of the present invention, at least one product (or service) sold by the company (or company) from the company (or company) information and the company (or company) through the information registration server 5900. ) The process of registering the company (or company) condition information including the information and the conditions that the company (or company) presents for the product (or service), and / or the company (or company) information and the company ( Or after the company (or company) condition information including at least one or more goods (or services) information sold by the company and the conditions presented by the company (or company) for the goods (or services) is registered, and And / or after the company (or company) is identified as an excellent company (or company), the information checking unit 5925 searches for the customer information registered in the customer information D / B to search for the company (or company). Calling customer identification, and / or the customer (or company) is characterized in that the customer who prefers the registered product (or service), whereby the customer group information that prefers the company (or company), And / or customer group information is preferred for the registered product (or service) in the company (or company).

Thereafter, the interface provider 5910 may provide the customer group information that prefers the company (or company) identified by the information checking unit 5925 in the company (or company) terminal, and / or the company (or company). Service that requests the company (or company) to provide (or sell) the product (or service) through the company (or company) condition information based on customer group information that prefers the registered product (or service) A request interface screen is generated (or extracted) and the service request interface screen is provided to the company (or company) terminal through the interface unit 5905.

In this case, the interface providing unit 5910 performs a function of posting at least one or more customer information obtained with the customer approval on an interface screen provided to the company (or company) terminal.

Thereafter, the company (or company) terminal requests to provide the product (or service) to the financial transaction customer corresponding to the customer group information in response to the company (or company) condition information through the service request interface screen. The request information is input (or selected) and transmitted to the information registration server 5900 via the network means.

When the service request information is transmitted from the company (or company) terminal through the network means, the information receiving unit 5915 receives the service request information and provides the service request information to the information storage unit 5920, and the information storage unit 5920 may process the received service request information in association with the company (or company) information (and / or product (or service) information) and store the information in the company (or company) information D / B. .

Here, the service request information includes customer group information that prefers the company (or company), and / or customer group information that prefers the registered product (or service) by the company (or company), and / or Characterized in that it comprises information for identifying a financial transaction customer corresponding to the customer group information on the customer information D / B.

Thereafter, when the financial transaction of the financial group customer included in the customer group information that prefers the company (or company), and / or the customer group information that the registered product (or service) in the company (or company), the financial In connection with a transaction, a service is provided to the financial transaction customer that provides (or sells) the product (or service) in response to the company (or company) condition information.

60 is a diagram illustrating a process of registering a customer (or company) customer as a target for providing a customized customer service according to an embodiment of the present invention.

In more detail, in FIG. 60, a predetermined company (or company) terminal accesses the information registration system shown in FIG. 60 through a predetermined network means and sells the company (or company) information and the company (or company). The company (or company) information D / B containing at least one item (or company) condition information including at least one or more goods (or service) information and a condition that the company (or company) presents for the product (or service). As a person having ordinary knowledge in the technical field to which the present invention pertains, a person (or company) customer registers as a target of providing the customized customer service service by referring to and / or modifying the drawing 60. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

In the following figure 60, the information registration server 5900 shown in the figure 59 will be referred to as "server" for convenience.

Referring to FIG. 60, the company (or company) accesses the server through the network means using the company (or company) terminal for information registration according to the present invention and performs member registration and / or login. Thereafter (6000), the server requests a predetermined company (or company) information input interface to the server, and in response, the server generates a predetermined company (or company) information input interface screen to the company (or company) terminal. Provide and output (6010).

Then, the company (or company) terminal through the company (or company) information input interface, the company (or company) information and at least one or more product (or service) information sold by the company (or company) and the product (Or service) input (or select) (6015) company (or company) condition information including the conditions presented by the company (or company) for the (or service), and enter (or select) the company (or company). Information on a company (or company) condition including information, at least one or more goods (or services) sold by the company (or company), and conditions provided by the company (or company) for the goods (or services). The server transmits to the server through the network means (6020).

Conditions that the company (or company) presents for the company (or company) information, at least one or more product (or service) information and the product (or service) sold by the company (or company) through the network means. The server receiving the company (or company) condition information including a, the company (or company) information and the company (or company) received in the company (or company) information D / B provided in the [DBMS] ) Stores (6025) in association with at least one product (or service) information for sale in association with the company (or company) condition information including the conditions proposed by the company (or company) for the product (or service) (6025). ).

FIG. 61 is a diagram illustrating a process of identifying an excellent company (or company) among companies (or companies) according to an embodiment of the present invention.

In more detail, Figure 61 shows the company (or company) information registered in the company (or company) information D / B and at least one product sold by the company (or company) through the process shown in FIG. (Or service) information of the best company (or company) of the same company (or company) by reading the company (or company) condition information, including the information provided by the company (or company) for the goods (or services) and the goods (or services) In the process of identifying the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 61 to identify various excellent companies (or companies) among the same companies (or companies). Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the superior company (or company) based on the brand name value of the company (or company) through the process of identifying the superior company (or company) shown in FIG. Company) and / or implementation method for identifying a company (or company) based on the company (or company) information, etc. may be inferred, but the present invention includes all the inferred implementation methods. do.

In the following Figure 61, the information registration server 5900 shown in Figure 59 will be referred to as "server" for convenience.

Referring to FIG. 60, the company (or company) information transmitted from at least one company (or company) terminal to the company (or company) information D / B and at least one or more products sold by the company (or company) (Or service) information and the company (or company) condition information including the conditions (or company) presented by the company (or company) for the product (or service) is registered, then the server (or company) information D / The same product (or service) information corresponding to the same company (or company) is retrieved from B (6100).

If the same product (or service) information corresponding to at least one or more of the same company (or company) is retrieved from the company (or company) information D / B (6105), the server is the company (or company) information D / B From B, each of the vendor (or company) condition information stored in connection with the same product (or service) information corresponding to the searched company (or company) is extracted (6110) and corresponding to the company (or company). By reading and comparing the respective company (or company) condition information linked to the same product (or service) information, the excellent company (or company) of the same company (or company) is identified.

Thereafter, the server associates and stores the identified excellent company (or company) ranking information in the company (or company) information (6120), so that the preference for the same company (or company) among the financial customers. An unknown financial transaction customer processes the superior company (or company) to preferentially provide (or sell) the product (or service).

62 is a diagram illustrating a process of performing a service request to at least one financial transaction customer by a company (or company) according to the embodiment of the present invention.

In more detail, FIG. 62 shows the company (or company) information registered in the company (or company) information D / B and at least one product sold by the company (or company) through the process shown in FIG. 60. (Or service) identification of the superior company (or company) shown in FIG. 61 based on the company (or company) condition information including the conditions (or service) information and the conditions (or company) presented by the company (or company) for the product (or service) After performing the process, during the information registration process shown in Figure 60 and / or after the information registration process is performed, the product (or service) for the at least one financial transaction customer in the company (or company) This is a service request process for requesting to provide (or sell) in response to the company (or company) condition information, and the general knowledge in the technical field to which the present invention belongs. Those skilled in the art would be able to infer various implementation methods of requesting services to at least one financial transaction customer from a company (or company) by referring to and / or modifying this drawing 62, but the present invention provides a It includes an implementation method and is not limited to the implementation method shown in FIG.

In the following Figure 61, the information registration server 5900 shown in Figure 59 will be referred to as "server" for convenience.

Referring to FIG. 62, the company (or company) information registered in the company (or company) information D / B and at least one or more products sold by the company (or company) through the process shown in FIG. Or service) information and the excellent company (or company) identification process shown in FIG. 61 on the basis of the company (or company) condition information including the condition suggested by the company (or company) for the product (or service). After performing the server, the server stores company (or company) information and / or product (or service) information of the company (or company) registered in the company (or company) information D / B provided in the [DBMS]. On the basis of this, the customer group who prefers the company (or company) and / or the customer group who prefers the product (or service) corresponding to the company (or company) is identified from the customer information D / B provided in the [DBMS]. (6200).

If the customer group who prefers the company (or company) and / or the customer group who prefers the product (or service) corresponding to the company (or company) is not identified in the process of identifying the customer group (6205), the server may A company (or company) selects at least one financial transaction customer to provide the product (or service) through the company (or company) condition information, and the product (or service) in the financial transaction process of the financial transaction customer. Generates (or extracts) a service request interface screen requesting to provide (or sells) corresponding to the company (or company) condition information, and provides the service request interface screen to the company (or through the interface unit 5905). Or enterprise) to the terminal (6210).

On the other hand, if at least one customer group that prefers the company (or company) is identified during the customer group confirmation process, and / or at least one customer group that prefers the product (or service) corresponding to the company (or company) is identified. (6205), the server is based on the confirmed customer group information of the preferred company (or company), and / or the customer group information preferred to the registered product (or service) in the company (or company) ( Or a company) generates (or extracts) a service request interface screen requesting the product (or service) to provide (or sell) the product (or service) through the company (or company) condition information, and displays the service request interface screen in the interface. The terminal 5905 provides the terminal (or company) to the terminal (6215).

Thereafter, the company (or company) terminal inputs (or selects) predetermined service request information through the service request interface (6220), and transmits the input (or selected) service request information to the server (6225). ).

When the customer group that prefers the company (or company) and / or the customer group who prefers the product (or service) corresponding to the company (or company) is not confirmed in the process of identifying the customer group according to the exemplary embodiment of the present invention. The service request information includes financial group customer group information that the company (or company) intends to provide (or sell) the product (or service) in response to the company (or company) condition information. The financial transaction group information may include at least one category information (eg, an age category, and / or a gender category, and / or a carrier category, and / or an address category, and / or a sales office) stored in the customer information D / B. Branch) and / or employee category, asset size category, and / or investment product category, and / or hobby category, and / or Or preference category, and / or characteristic category).

According to another exemplary embodiment of the present invention, at least one or more customer groups who prefer the company (or company) are identified in the customer group checking process, and / or prefer a product (or service) corresponding to the company (or company). When at least one customer group is identified, the service request information includes customer group information that prefers the company (or company), and / or customer group information that prefers the registered product (or service) by the company (or company). And / or information for identifying a financial transaction customer corresponding to the customer group information on the customer information D / B.

Thereafter, the server processes the service request information in association with the company (or company) information and / or product (or service) information and stores the service request information in the company (or company) information D / B (6230), thereby. In a financial transaction of a financial transaction customer included in a customer group, a service that provides (or sells) the product (or service) to the financial transaction customer in response to the company (or corporate) condition information in connection with the financial transaction is provided. Is provided.

The information checking unit 1630 is a diagram illustrating a system for providing customized customer impression service based on Internet banking according to an exemplary embodiment of the present invention.

In more detail, the interface providing unit 1615 may register the information registered through the customer registration system shown in FIG. 1 of the Internet banking-based financial transaction, the counter terminal-based customer approval system shown in FIG. 4, and / or the Customer information for each category approved through the financial terminal based customer approval system shown in FIG. 10, and / or the Internet banking period customer approval system shown in FIG. 16, and / or the wireless banking based customer approval system shown in FIG. And, during an internet banking-based financial transaction, using company (or company) information, product (or service) information, company (or company) condition information, and service request information registered through the information registration system shown in FIG. As a system for providing a customized service to the financial transaction customers, having a common knowledge in the technical field to which the present invention belongs In this case, various implementation methods for providing customized services to the financial transaction customers may be inferred in the course of Internet banking based non-face-to-face financial transactions by referring to and modifying the present invention. It includes all implementation methods and is not limited to the implementation method shown in FIG.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to and / or modifying the present Figure 63 including a system configuration for providing a customized service according to the invention of the Internet banking-based financial transactions, the window System configuration for providing a customized service according to the present invention during terminal-based banking, and / or System configuration for providing a customized service according to the present invention during the financial terminal-based banking, and / or Customized service according to the present invention during the wireless banking System configuration for providing a, and / or System configuration for providing a customized service according to the present invention during the tele-banking, and / or System configuration for providing a customized service according to the present invention during the home banking, and / or The TV banking Of the present invention will be able to infer a system configuration for providing a customized service according to the present invention, the present invention Includes all inferred system configurations.

For example, in the case of providing a customized service according to the present invention among the counter terminal-based banking, the information provided through the Internet banking interface screen in FIG. 63 is displayed in the counter terminal screen (or when the counter is provided with a customer side monitor). Customer side monitor screen), the information input by the financial transaction customer to provide a customized service according to the present invention in Figure 63 is prepared in the form of a slip provided to the teller, or the financial The trading customer may be able to input via a predetermined input device.

In addition, in the case of providing a customized service according to the present invention among the financial terminal-based banking, the information provided through the Internet banking interface screen in this figure 63 will be processed to fit the screen of the financial terminal to be provided to the financial terminal, In FIG. 63, the information input by the financial transaction customer in order to provide a personalized service according to the present invention will be processed to be input through an input device provided in the financial terminal.

In addition, in the case of providing a customized service according to the present invention of the wireless banking, the information provided through the Internet banking interface screen in Figure 63 will be processed to fit the wireless banking interface screen will be provided to the wireless terminal, In FIG. 63, the information input by the financial transaction customer to provide a personalized service according to the present invention will be processed to be input through an input device provided in the wireless terminal.

In addition, in the case of providing a personalized service according to the present invention during the tele-banking, the information provided through the Internet banking interface screen in this Figure 63 will be processed to fit the telebanking interface screen to be provided to the telebanking device, In FIG. 63, the information input by the financial transaction customer to provide a personalized service according to the present invention will be processed to be input through an input device provided in the telebanking device.

In addition, in the case of providing a customized service according to the present invention during the home banking, the information provided through the Internet banking interface screen in this figure 63 will be processed to fit the home banking interface screen to be provided to the home banking device, In FIG. 63, the information input by the financial transaction customer to provide a personalized service according to the present invention will be processed to be input through an input device provided in the home banking device.

In addition, in the case of providing a customized service according to the present invention among the TV banking, the information provided through the Internet banking interface screen in this figure 63 will be processed to fit the TV banking interface screen to be provided to the TV banking device, In FIG. 63, the information input by the financial transaction customer to provide a personalized service according to the present invention will be processed to be input through an input device provided in the TV banking device.

Referring to FIG. 63 according to an embodiment of the present invention, although the functional component providing the customized service according to the present invention among the Internet banking-based financial transactions is illustrated as being configured in the Internet banking server 1600, the present invention The present invention is not limited thereto, and the functional component providing the customized service according to the present invention may be configured as a separate server interworking with the Internet banking server 1600, and / or a system configuration provided in the financial system. It is possible to include all, and the like, by which the present invention is not limited.

The system for providing a customized customer impression service according to the present invention among the Internet banking includes: a client terminal used by a financial transaction customer for the Internet banking; and an internet banking server 1600 connected to the client terminal through a predetermined network means. And a financial system connected to the internet banking server 1600 through a predetermined interface means to perform a ledger-based financial transaction procedure. The internet banking server 1600 may be viewed in the Internet banking system. In order to provide a customized customer satisfaction service according to the invention, the company (or company) is characterized in that it is interlocked with the [DBMS] provided with the information D / B and / or customer information D / B.

The financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. Or an accounting system for processing a windowing service such as a credit or a receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one other Interconnection between financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, home banking) provided in at least one external communication network. , Telebanking, TV banking, etc.) to access the financial system, and / or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (e.g., ledger information, and / or management information, and / or the financial institution required for each function in the components of the financial system) And a DBMS including at least one database for storing and managing customer relationship management (CRM) information obtained while processing a financial transaction for the financial transaction customer.

The financial system may be configured to interface with a predetermined internet banking server 1600 through a predetermined interface means in order to provide a non-face-to-face financial transaction based on the Internet banking. Perform at least one ledger-based financial transaction procedure requested.

According to an embodiment of the present invention, the Internet banking server 1600 interworks with the financial system through the external system, and for this purpose, the Internet banking server 1600 interworks with the Internet banking server 1600 through a predetermined interface means. It is preferred to include a component for.

Referring to FIG. 63, the internet banking server 1600 may include an interface unit 1610 for connecting and managing a predetermined communication channel for internet banking with at least one or more client terminals and a predetermined network means, and the interface unit ( An internet banking unit for processing a non-face-to-face internet banking-based financial transaction to at least one client terminal through a communication channel provided by 1610, and from the financial system in a non-face-to-face internet banking process provided by the internet banking unit. When predetermined customer approval request information for requesting approval of providing the customized customer impression service is received to the financial transaction customer corresponding to the client terminal, the Internet banking unit transmits the customer approval request information to the client through the interface unit 1610. Included in the interface screen provided to the terminal And characterized by comprising an interface providing unit 1615 to output, and a detailed description thereof will be reference to the figure 16.

According to the present invention, the Internet banking server 1600 in the process of providing a predetermined Internet banking-based financial transactions to the client terminal through the interface unit 1610 in connection with the financial system, the financial banking, the financial When a transaction customer logs in to the Internet banking server 1600 through the client terminal (eg, ID / PW-based login or public certificate based login), the customer information provided in the [DBMS] based on the login information. It is characterized in that it comprises a information confirmation unit 1630 for searching the D / B to confirm whether the customer corresponds to the service target according to the present invention.

According to another embodiment of the present invention, the information checking unit 1630, the Internet banking unit in connection with the financial system to perform at least one or more financial transaction procedures requested by the financial transaction customer, the ledger on the financial system The service target according to the present invention is provided to the customer by reading the registration state of the service target customer registration information of the financial transaction customer stored in D / B (or stored in the customer registration information D / B associated with the ledger D / B). (E.g., if the registration status of the service target customer registration information of the financial transaction customer corresponds to "customer approval", the financial transaction customer may be confirmed to correspond to the service target according to the present invention). This information verification process is based on IC chip-based wireless banking system in which financial transactions are processed in one transaction. It can be effectively applied to the system.

If it is confirmed that the financial transaction customer corresponds to the service object according to the invention, the information verification unit 1630 is provided to the financial transaction customer from the company (or company) information D / B provided in the [DBMS] Identifying at least one or more companies (or companies) that provide (or sell) at least one or more goods (or services).

According to an exemplary embodiment of the present invention, the information checking unit 1630 refers to the service request information stored in the company (or company) information D / B, and targets the customer group corresponding to the category to which the financial transaction customer belongs. It is desirable to identify at least one or more companies (or businesses) that have requested to provide (or sell) at least one or more goods (or services).

According to an exemplary embodiment of the present invention, the information confirming unit 1630 refers to service request information stored in the company (or company) information D / B, at least a company (or company) preferred by the financial transaction customer, and It is desirable to identify at least one or more companies (or companies) corresponding to the goods (or services) preferred by the financial transaction customer.

After identifying a company (or company) that will provide at least one service to the financial transaction customer, the information checking unit 1630 is the company (or company) from the company (or company) information D / B from the company (or company) At least one product (or service) information to be provided to the transaction customer and the company (or company) condition information corresponding to the product (or service) information to be confirmed.

According to the present invention, the Internet banking server 1600 is provided by the information verification unit 1630 at least one or more companies (or companies) to provide (or sell) at least one product (or service) to the financial transaction customer ) Is identified, and the company (or company) corresponding to the product (or service) information and at least one or more product (or service) information that the identified company (or company) will provide (or sell) to the financial transaction customer. ) If the condition information is confirmed, the at least one or more goods (or services) information and the company (or company) condition information identified from the company (or company) information D / B is extracted, and the interface provider 1615 is extracted. The extracted at least one product (or service) information on an internet banking interface screen provided by the internet banking unit to the client terminal; To the product (or company) includes a condition information having the information provider (1635) to provide to said client terminal characterized by comprising.

According to another exemplary embodiment of the present invention, the information providing unit 1635 may display the financial transaction customer included in the customer information of the customer information D / B, in addition to the Internet banking interface screen provided by the internet banking unit to the client terminal. Providing the extracted at least one or more product (or service) information and company (or company) condition information to the financial transaction customer-owned wireless terminal (eg, mobile communication terminal, portable Internet terminal, etc.) based on the contact information. In addition, the extracted at least one or more product (or service) information and company (or company) condition information can be provided to the financial transaction customer-owned wireless terminal (for example, the wireless terminal) If the mobile communication terminal corresponds to a wireless message supported by the mobile communication terminal (short message or multi Media message type) and / or WML / HTML (Wireless Markup Language / Hyper-Text Markup Language) compatible document type when the wireless terminal supports WAP / ME (Wireless Application Protocol / Mobile Explorer) based wireless Internet). It is preferable to be processed by the furnace.

According to an embodiment of the present invention, after at least one item (or service) information and company (or company) condition information is provided to the client terminal through the Internet banking interface screen, the client terminal displays the Internet banking interface screen. When checking detailed information on the product (or service) is selected based on the company (or company) condition information, the information providing unit 1635 determines the product (or information) from the company (or company) information D / B. Service) to extract the detailed information and provide it to the client terminal through the interface providing unit 1615.

According to the present invention, the Internet banking server 1600 is a client terminal through the information providing unit 1635 at least one item (or service) information and company (or company) condition information through the Internet banking interface screen After providing, if the purchase (or offer approval) for the product (or service) is selected based on the company (or company) condition information on the Internet banking interface screen in the client terminal, the interface providing unit ( In connection with 1615, the client terminal provides a payment processing interface screen for processing a product (or service) for which the purchase (or provision approval) is selected on the basis of the company (or company), and the payment processing from the client terminal. After receiving the payment processing information input (or selected) through the interface screen, the received It is characterized in that it comprises a payment processing unit 1640 for performing a payment processing procedure through the financial system based on the payment processing information.

According to an embodiment of the present invention, in the process of providing a payment processing interface screen for the payment processing (or service) of the goods (or services) selected for the purchase (or offer approval) to the client terminal on the condition of the company (or company), The payment processing unit 1640 extracts predetermined payment amount information for payment of a product (or service) for which the purchase (or offer approval) is selected under the company (or company) condition from the company (or company) information D / B. And extracting the customer financial account information from which the payment amount is to be withdrawn from the customer information D / B (and / or the ledger information of the financial transaction customer stored in the ledger D / B provided in the financial system). Company (or company) information The payment amount to be deposited from the D / B (and / or the company (or company) ledger information stored in the ledger D / B provided in the financial system) After extracting the body (or company) financial account information, the payment processing interface screen includes the extracted payment amount information, the customer financial account information, and the company (or company) financial account information (for example, each piece of information). It is preferable to insert into the input area in advance and provide the same to the client terminal.

According to an exemplary embodiment of the present invention, in the process of receiving payment processing information input (or selected) through the payment processing interface screen from the client terminal, the payment processing unit 1640 authenticates the public certificate with respect to the payment processing information. , And / or by performing at least one authentication procedure included in the internet banking procedure, such as security card authentication, and / or one time password (OTP) authentication, and / or mobile phone authentication, to the received payment processing information. It is desirable to ensure confidentiality, authentication, integrity, and nonrepudiation.

* Those of ordinary skill in the art to which the present invention pertains, should be authorized certificate authentication, and / or security card authentication, and / or OTP (One Time Password) authentication, and / or mobile phone authentication as defined in the above internet banking procedure. Since you will be familiar with information processing procedures and methods, etc., a detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the payment processing unit 1640 performs a payment processing procedure through the financial system based on the received payment processing information, wherein the Internet banking unit is at least one or more from the financial transaction customer account It is desirable to have a payment process by using a procedure for transferring a predetermined amount to another financial account.

According to another exemplary embodiment of the present invention, other financial payment means such as credit card, and / or check card, and / or debit card, and / or prepaid card corresponding to the financial transaction customer are included in the customer information D / B. When provided, the payment processing unit 1640 may process the payment amount by using the financial settlement means, thereby the present invention is not limited.

According to the present invention, the payment processing unit 1640 performs a payment processing procedure through the financial system based on the received payment processing information, and then the financial transaction to the client terminal through the interface providing unit 1615. Before returning to the Internet banking interface screen before the customer selects the purchase (or the offer approval) for the product (or service), whereby the financial transaction customer continuously performs the internet banking-based financial transaction procedure. Done.

64 is a diagram illustrating a process of confirming whether a customized customer impression service is provided during internet banking according to an embodiment of the present invention.

In more detail, FIG. 64 shows a login information of a financial transaction customer accessing the Internet banking server 1600 in a system for providing a customized service to the financial transaction customer among the Internet banking-based financial transactions shown in FIG. 63. As to the implementation method for confirming whether or not to provide a customized customer impression service according to the present invention to the financial transaction customer using, if you have ordinary knowledge in the technical field to which the present invention belongs, refer to and / or this figure 64 It may be possible to infer a variety of implementation methods for providing a customized service to the financial transaction customers in the Internet banking-based non-face-to-face financial transaction process, but the present invention includes all the inferred implementation method, as shown in Figure 64 It is not limited to the implementation method shown.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 64 and at least one or more requested by the financial transaction customer in connection with the financial system in the Internet banking server 1600. In the course of performing the financial transaction procedure, registration of the service target customer registration information of the financial transaction customer stored in the ledger D / B on the financial system (or stored in the customer registration information D / B associated with the ledger D / B). By reading the state, it will be possible to infer an implementation method for confirming whether or not to provide a customized customer impression service according to the present invention to the financial transaction customer, and the present invention includes the implementation method inferred.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to and / or modifying this figure 64 to confirm whether or not to provide a customized service according to the present invention during the Internet banking-based financial transactions, based on the window terminal An implementation method for confirming whether or not to provide a customized service according to the present invention during banking, and / or an implementation method for confirming whether to provide a customized service according to the present invention during the financial terminal-based banking, and / or the wireless banking according to the present invention An implementation method for confirming whether or not to provide a customized service, and / or an implementation method for confirming whether or not to provide a customized service according to the present invention during the telebanking, and / or an implementation for confirming whether or not to provide a customized service according to the present invention during the home banking. Method, and / or implementation method for confirming whether to provide customized service according to the present invention during the TV banking, etc. Will be able to infer, the present invention includes all embodiments in which the inference method.

Hereinafter, the client terminal shown in FIG. 63 is referred to as a "terminal" for convenience in the process of confirming whether to provide a customized service according to the present invention through this figure 64, and the Internet banking server 1600 shown in FIG. Is referred to as "server" for convenience.

That is, when the method shown in FIG. 64 is applied to the window terminal-based banking, the client terminal may be replaced with the window terminal, and the internet banking server 1600 may be replaced with a financial system associated with the window terminal. And / or When applied to the financial terminal based banking, the client terminal can be replaced with a financial terminal such as CD / ATM, the Internet banking server 1600 can be replaced with a financial system associated with the financial terminal, and And / or when applied to the wireless banking, the client terminal may be replaced with a wireless terminal for wireless banking, and the internet banking server 1600 may be replaced with a wireless banking server, and / or when applied to the telebanking. May be replaced with a telebanking device, and the Internet banking server 1600 may be replaced with a telebanking server, and / or the home bank. When applied to the client terminal can be replaced by a home banking device, the Internet banking server 1600 can be replaced by a home banking server, and / or when applied to the TV banking, the client terminal is replaced by a TV banking device The internet banking server 1600 may be replaced with a TV banking server.

Referring to FIG. 64 for checking whether to provide a customized service according to the present invention among the Internet banking-based financial transactions, at least one or more defined in the Internet banking system by accessing the server through a predetermined network means in the terminal. Log in through a login procedure (eg, ID / PW based login, public certificate based login, etc.) (6400), and if the Internet banking based login succeeds (6405), the server is provided in the [DBMS] based on the login information. The customer information D / B is searched to determine whether the financial transaction customer accessed through the terminal is subject to a customized customer impression service according to the present invention (or has approved the provision of a customized customer impression service) (6410).

If the financial transaction customer is not included in the service target (6415), the server provides the Internet banking interface screen to the terminal in accordance with the conventional Internet banking procedure (6420), and receives from the terminal through the Internet banking interface screen In response to the financial transaction information, an internet banking-based financial transaction service is provided in association with the financial system (6425).

On the other hand, if the financial transaction customer is included in the service target (6415), the server retrieves the company (or company) information D / B provided in the [DBMS], to provide at least one product (or service) to the customer Identify (6430) at least one or more vendors (or corporations) that offer.

According to an embodiment of the present invention, the server refers to the service request information stored in the company (or company) information D / B, at least one or more products for the customer group corresponding to the category to which the financial transaction customers belong ( Or at least one company (or company) that has requested to provide (or sell) the service.

According to an embodiment of the present invention, the server refers to the service request information stored in the company (or company) information D / B, at least the company (or company) and / or the financial transaction preferred by the customer of the financial transaction It is desirable to identify at least one or more companies (or businesses) that correspond to the products (or services) that the customer prefers.

If the search result of the company (or company) information D / B, at least one or more companies (or companies) that provide at least one product (or service) to the financial transaction customer is identified (6435), the server A process of providing (or selling) a product (or service) such as 65a and / or 65b is performed.

65A and 65B illustrate a process of providing a customized customer impression service during Internet banking according to an embodiment of the present invention.

In more detail, Figures 65a and 65b illustrate a system for providing a customized service to the financial transaction customer among the Internet banking-based financial transactions shown in Figure 63. As a result of the service providing confirmation shown in Figure 64, the financial transaction customer The at least one company (or company) included in the service object and which will provide the customer with customized transaction service according to the present invention to the financial transaction customer is identified, and then the company (or company) is assigned to the financial transaction customer. As a process of providing (or selling) a product (or service), specifically, Figure 65a illustrates an implementation method of performing a payment procedure after providing detailed information on the product (or service), and Figure 65b illustrates the product. The present invention relates to an implementation method of performing a payment procedure without providing detailed information on (or service).

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 65a and 65b to provide various services for providing the customized services to the financial transaction customers in the internet banking-based non-face-to-face financial transaction process. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 65A and 65B.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to and / or modified in this figure 65a and 65b for providing a customized service according to the present invention in the Internet banking-based financial transactions, based on the teller terminal An implementation method for providing a customized service according to the present invention during banking, and / or an implementation method for providing a customized service according to the present invention during the financial terminal based banking, and / or providing a customized service according to the present invention during the wireless banking. An implementation method, and / or an implementation method for providing a customized service according to the present invention during the telebanking, and / or an implementation method for providing a customized service according to the present invention during the home banking, and / or the present invention during the TV banking. It will be possible to infer an implementation method for providing a customized service according to the invention, and the present invention is all implementation methods inferred It includes.

Hereinafter, the client terminal shown in FIG. 63 is referred to as a "terminal" for convenience in the process of providing a personalized service according to the present invention through FIGS. 65A and 65B, and the Internet banking server 1600 shown in FIG. Is referred to as "server" for convenience.

Referring to this figure 65a which provides a customized service according to the present invention among the Internet banking-based financial transactions, as a result of the service provision confirmation shown in FIG. 64, the financial transaction customer is included in the service target, and the financial transaction customer is viewed. If at least one or more companies (or companies) to provide a customized customer service according to the present invention are identified, the server is identified from the company (or company) information D / B provided in the [DBMS] (or company) Product (or service) information and company (or company) condition information (6500a), and the extracted product (or on the Internet banking interface screen provided by the server to the terminal for the internet banking-based financial transaction). Service) information and company (or company) condition information corresponding to the product (or service) information is provided (6505a).

Thereafter, the server checks whether detailed information about the product (or service) is requested from the terminal through product (or service) information and company (or company) condition information included in the Internet banking interface screen (6510a). .

If detailed information on the product (or service) is not requested from the terminal (for example, if a financial transaction procedure is performed through the Internet banking interface screen) (6515a), the server receives the terminal from the terminal through the financial system. The requested internet banking based financial transaction procedure is performed (6520a).

If the financial transaction service is completed while performing the financial transaction procedure (or after performing the financial transaction procedure) (eg, when the client terminal logs out of the server) (6525a), the server may The process of providing (or selling) the product (or service) to a financial transaction customer is terminated.

On the other hand, if the financial transaction service is not completed while performing the financial transaction procedure (or after the financial transaction procedure) (or the client terminal requests the Internet banking interface screen for the next financial transaction) (6525a), the server corresponding to the extracted product (or service) information and the product (or service) information on the Internet banking interface screen provided from the server to the terminal for the Internet banking-based financial transactions (Or company) Repeat the process provided, including the condition information.

On the other hand, if detailed information about the product (or service) is requested from the terminal (6515a), the server temporarily stores the Internet banking interface screen currently provided to the terminal (for example, a predetermined interface screen temporary storage buffer (shown in FIG. Temporary storage) (6530a), detailed information on the product (or service) is extracted from the company (or company) information D / B and transmitted to the terminal (6535a).

Thereafter, the server confirms whether to select a purchase (or offer approval) for the product (or service) from the terminal (6540a), if the purchase (or offer approval) selection for the product (or service) is confirmed. If not (6545a), the server provides the temporary stored previous Internet banking interface screen to the terminal (6550a), and the extraction to the Internet banking interface screen provided from the server to the terminal for the Internet banking-based financial transactions The process of providing the product (or service) information and the company (or company) condition information corresponding to the product (or service) information is repeated.

On the other hand, if the purchase (or offer approval) selection of the product (or service) is confirmed (6545a), the server performs a payment procedure for the product (or service).

Referring to FIG. 65B, which provides a customized service according to the present invention among the Internet banking-based financial transactions, the service provision confirmation result shown in FIG. 64 includes the financial transaction customer as a service target, and the financial transaction customer. If at least one or more companies (or companies) to provide a customized customer service according to the present invention are identified, the server is identified from the company (or company) information D / B provided in the [DBMS] (or company) Product (or service) information and company (or company) condition information (6500b), and the extracted product (or on the Internet banking interface screen provided by the server to the terminal for the internet banking-based financial transaction). Service) information and the company (or company) condition information corresponding to the product (or service) information is provided (6505b).

Thereafter, the server confirms whether to select a purchase (or offer approval) for the product (or service) from the terminal (6510b), if the purchase (or offer approval) selection for the product (or service) is not confirmed. If not (eg, if a financial transaction procedure is performed through the internet banking interface screen) (6515b), the server performs an internet banking-based financial transaction procedure requested from the terminal through the financial system (6520b).

If the financial transaction service is completed while performing the financial transaction procedure (or after the financial transaction procedure) (eg, when the client terminal logs out of the server) (6525b), the server may The process of providing (or selling) the product (or service) to a financial transaction customer is terminated.

On the other hand, if the financial transaction service is not completed while performing the financial transaction procedure (or after the financial transaction procedure) (or the client terminal requests the Internet banking interface screen for the next financial transaction) (6525b), the server corresponding to the extracted product (or service) information and the product (or service) information on the Internet banking interface screen provided from the server to the terminal for the Internet banking-based financial transactions (Or company) Repeat the process provided, including the condition information.

On the other hand, if a purchase (or offer approval) selection for the product (or service) is confirmed (6515b), the server temporarily stores the Internet banking interface screen currently provided to the terminal (eg, a buffer for temporarily storing a predetermined interface screen). Temporary storage (not shown) (6530b), and a payment procedure for the product (or service) is performed.

66 is a diagram illustrating a payment process for providing a customized customer impression service during internet banking according to an embodiment of the present invention.

More specifically, FIG. 66 is a system for providing a customized service to the financial transaction customer among the Internet banking-based financial transactions shown in FIG. 63, wherein the product (B) is processed through the process shown in FIGS. 65A and / or 65B. Or service), the process of performing the payment procedure for the product (or service), if the person of ordinary skill in the art to which the present invention pertains, see FIG. Alternatively, it may be possible to infer various implementation methods for providing a customized service to the financial transaction customers in the Internet banking-based non-face-to-face financial transaction process, but the present invention includes all the inferred implementation methods, this figure 66 It is not limited to the implementation method shown by.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, with reference to and / or modifying the Figure 66 that performs payment processing for the customized service according to the present invention of the Internet banking-based financial transactions, the teller terminal Implementation method of performing payment processing for a customized service according to the present invention during base banking, and / or Implementation method for performing payment processing for a customized service according to the present invention during the financial terminal based banking, and / or Wireless banking An implementation method of performing payment processing for a customized service according to the present invention, and / or An implementation method of performing payment processing for a customized service according to the present invention during the telebanking, and / or the present invention during the home banking. An implementation method of performing payment processing for a customized service according to, and / or a customized service according to the present invention during the TV banking It will be possible to infer an implementation method for performing a payment process for the present invention, and the present invention includes all implementation methods inferred.

Hereinafter, the client terminal shown in FIG. 63 is referred to as a "terminal" for convenience in the process of performing payment processing for a customized service according to the present invention through FIG. 66, and the Internet banking server 1600 shown in FIG. ) Is called "server" for convenience.

Referring to FIG. 66 which performs payment processing for a customized service according to the present invention among the internet banking-based financial transactions, payment for the product (or service) is performed through the process shown in FIGS. 65a and / or 65b. Is requested, the server provides a predetermined payment amount to which the company (or company) condition information is applied to the product (or service) to be purchased from the company (or company) information D / B provided in the [DBMS]. Information (6600), and also payment related information corresponding to the company (or company) from the company (or company) information D / B (e.g., company (or company) financial account information to be the payment amount will be deposited) Extract (6605), and extract information related to the financial transaction customer (eg, financial account information of the financial transaction customer from which the payment amount is to be withdrawn) from the customer information D / B (6610). It provides payment processing interface screen that includes a group payment information, billing information and payment information of the customer's financial transaction company (or companies) to the terminal (6615).

Thereafter, the server periodically checks whether predetermined payment processing information corresponding to the payment processing interface screen is received from the terminal (6620). If the payment processing information is received (6625), the payment processing information for Validation is confirmed (6630).

In this case, the validity confirmation of the payment processing information may include confidentiality, authentication, and integrity for processing a non-face-to-face financial transaction corresponding to the payment processing information according to a security procedure defined in the internet banking system. And nonrepudiation.

If the validity of the payment processing information is not authenticated (6635), the server generates predetermined payment error information and transmits it to the terminal for output (6640), and then displays the temporarily stored previous Internet banking interface screen on the terminal. (6655), and extracts the product (or service) information and the company (or company) condition information of the predetermined company (or company) from the company (or company) information D / B provided in the [DBMS] And the company (or company) condition information corresponding to the extracted product (or service) information and the product (or service) information on the Internet banking interface screen provided from the server to the terminal for the internet banking-based financial transaction. Repeat the process provided, including.

If the validity of the payment processing information is authenticated (6635), the server is connected to the financial system to the Internet banking-based payment procedure corresponding to the payment processing information (e.g., to the payment amount in the financial account of the financial transaction customer). The bank transfers the corresponding amount of money and deposits it into a financial account of the company (or company) (6645).

If the internet banking based payment procedure corresponding to the payment processing information is completed (6650), the server provides the temporary stored previous Internet banking interface screen to the terminal (6655), the company provided in the [DBMS] (Or company) information (or service) information of the predetermined company (or company) and the company (or company) condition information is extracted from the D / B, and from the server to the terminal for the Internet banking-based financial transactions The process of providing the Internet banking interface including the extracted product (or service) information and the company (or company) condition information corresponding to the product (or service) information is repeated.

According to the present invention, based on the financial transaction customer-related information (for example, customer ledger, customer relationship management information) accumulated in a financial institution, select the service target customer (for example, excellent customer) of the financial transaction customers to provide the service After acquiring the customer's approval for, if the firm (or company) and / or product (or service) is preferred by the financial transaction customer, then the product (or service) is preferred by the financial transaction customer. ), There is an advantage in providing customized customer service.

According to the present invention, based on the financial transaction customer-related information (for example, customer ledger, customer relationship management information) accumulated in a financial institution, select the service target customer (for example, excellent customer) of the financial transaction customers to provide the service After acquiring the customer's approval for, the firm (or company) and / or the product (or service) preferred by the financial transaction customer is clear, and the superior entity (or enterprise) identified by the financial institution provides the financial transaction customer with at least By providing one or more goods (or services), there is an advantage in providing a customized customer service.

According to the present invention, the product (or service) provision process occurs during the at least one financial transaction procedure of the financial transaction customer, thereby providing a product (or service) and financial settlement is automatically linked to There is an advantage to be provided.

Claims (1)

Information posting means for posting customer information of customers on a website; Customer information providing means for providing a web page on which the customer information is posted to an information providing client; And When the information providing client provides predetermined information to at least one or more customers by referring to the customer information posted on the bulletin board, the provided information is stored in association with the customer information, or the provided information is communicated with the customer. Information processing means for transmitting to the means; information processing system comprising a.

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