KR20090002903A - System and method for managing loan goods and program recording medium - Google Patents

Abstract

A loan operating method and system and a program recording medium for the method are provided to offer a low interest of loan to users so as to improve customer satisfaction for loan services and induce potential customers to use the loan services. A loan operating method includes a step in which a predetermined information storage unit processes electronic order sheet information including contract period information in connection with information on an ordering company and an order-receiving company and storing the processed information in a predetermined storage medium, a step(3045) in which a predetermined contact period confirmation unit confirms a contract period corresponding to the electronic order sheet, a step(3050) in which a predetermined load period setting unit splits the confirmed contract period into predetermined unit periods and sets a loan period of a loan, and a step in which a predetermined loan operating unit automatically extends the load period of the loan within the contract period when the set loan period expires.

Description

Method and System for Loan Product Management and Program Recording Medium

1 is a diagram illustrating a system of agreement information registration in a face-to-face for the order credit of the ordering company according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an order credit arrangement information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for an order credit of an ordering company according to an exemplary embodiment of the present invention.

FIG. 3 is a diagram illustrating an order credit arrangement information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for an order credit of an ordering company according to another exemplary embodiment of the present invention.

FIG. 4 is a diagram illustrating an order credit arrangement information stored in a DBMS provided in a banking server in a face-to-face manner for an order credit of an ordering company according to another exemplary embodiment of the present invention.

FIG. 5 is a diagram illustrating a process of registering purchase order credit agreement information in a face-to-face manner according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face agreement information registration system for an order book credit of an ordering company according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of registering the order loan agreement information in a non-face-to-face manner for the order credit of the winning company according to an embodiment of the present invention.

8A and 8B are views illustrating a process of registering order credit agreement information in a non-face-to-face manner for the order credit of an ordering company according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face agreement information registration system for an order credit according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating an order credit arrangement information stored in the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for an order credit in accordance with an embodiment of the present invention.

FIG. 11 is a diagram illustrating an order credit arrangement information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face to face order credit according to another exemplary embodiment of the present invention.

FIG. 12 is a diagram illustrating the construction of an order loan agreement information stored in a DBMS provided in a banking server in a non-face to face order loan according to another exemplary embodiment of the present invention.

13 is a diagram illustrating a process of registering the order credit agreement information in a non-face-to-face manner for the order credit according to an embodiment of the present invention.

14A and 14B illustrate a process of registering order order agreement information in a non-face-to-face manner for an order order loan according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating a face to face agreement information registration system for an order book credit according to an embodiment of the present invention.

16 is a diagram illustrating a process of registering order order credit information in a face-to-face manner according to an embodiment of the present invention.

17 is a diagram illustrating an ordering information relay system for registering and relaying predetermined delivery or construction ordering information according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a process of registering and relaying predetermined delivery or construction ordering information according to one embodiment of the present invention.

19 is a diagram illustrating an order-based order information registration system for a predetermined delivery or construction order information registration according to an embodiment of the present invention.

20 is a diagram illustrating a process of registering order information in a face-to-face manner according to an embodiment of the present invention.

21 is a diagram illustrating a non-face-to-face order information registration system for predetermined delivery or construction order information registration according to another embodiment of the present invention.

22 is a diagram illustrating a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to one embodiment of the present invention.

23A and 23B are diagrams illustrating a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to another exemplary embodiment of the present invention.

24 is a diagram illustrating an order-based order information registration system for a predetermined delivery or construction order information registration according to an embodiment of the present invention.

25 is a diagram illustrating a process of registering order information in a face-to-face manner according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a non-faceted order information registration system for predetermined delivery or construction order registration information according to another embodiment of the present invention.

FIG. 27 is a diagram illustrating a process of registering order information in a non-face-to-face manner for predetermined delivery or construction order registration information according to one embodiment of the present invention.

28A and 28B illustrate a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to another exemplary embodiment of the present invention.

FIG. 29 is a diagram illustrating a face-to-face loan product subscription system for funding a contract company based on an electronic order (or contract) according to an embodiment of the present invention.

30 is a diagram illustrating an electronic order-based loan product subscription process for funding an electronic order (or contract) -based contractor in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 31 is a diagram illustrating a non-face-to-face loan product subscription system for funding an electronic order-based contract company according to another embodiment of the present invention.

32A and 32B illustrate an e-order-based loan product subscription process for funding an e-order-based contractor according to an embodiment of the present invention.

FIG. 33 is a diagram illustrating a non-face-to-face loan product subscription system for funding an order-based contract company according to another embodiment of the present invention.

34 is a diagram illustrating an electronic order-based loan product subscription process for funding an electronic order-based contractor according to an embodiment of the present invention.

<Description of main parts of drawing>

2900: loan product subscription server 2905: interface unit

2910: interface providing unit 2915: information receiving unit

2920: Validation unit 2925: Contract period confirmation unit

2930: loan period setting unit 2935: information generation unit

2940: information storage unit 2945: loan product management unit

2950 storage media

The present invention provides a method of storing an electronic order (or electronic contract) information including the contract term information in a predetermined information storage means in association with the ordering company information and the ordering company information and storing the information on a predetermined storage medium. Confirming a contract period corresponding to the electronic purchase order (or electronic contract) in association with the storage medium in a period checking means, and dividing the confirmed contract period into predetermined unit periods in a predetermined loan period setting means, Setting a loan period for the loan product and automatically extending the loan period of the loan product within the contract period when the loan period of the set loan product expires in a predetermined loan product operating means. It is about a product operation method.

Recently, with the rapid development of electronic commerce, electronic services have been attempted for financial services. In particular, lending services in financial services not only entailed complicated certification procedures, but also caused many customer complaints as a result of submitting a large number of guarantee documents.

In the past, efforts have been made to improve the convenience of customers by electronicizing the application process for obtaining a loan.

In addition, loan services for small or small businesses are provided for a period from the delivery of the goods to which loan repayment can be determined and before the receipt of the payment.

However, since the capital shortages of small businesses or SMEs occur at the time of production of products, the small loans of SMEs or SMEs cannot be financed at the appropriate time when the above-mentioned general loan service is needed. Since the repayment capacity of the small or small business is not reliable, it was common that financial institutions could not be provided with loan services.

Therefore, in recent years, there are various discussions on techniques for lowering the risk of financial firms by providing loan services at the appropriate time desired by small businesses or SMEs, while allowing them to reliably examine their repayment ability. It is becoming.

For example, if a financial company enters into an alliance with a good purchasing company (parent company), and a small and medium-sized company recommended by the good buying company presents an order (delivery contract), a credit guarantee institution (for example, credit guarantee fund) is issued. As a collateral, there is a continual development of financial products that lenders loan to SMEs first.

However, the above-mentioned methods can only provide loan opportunities to small businesses or SMEs, and cannot provide more differentiated services, so they cannot expect profitability compared to existing financial products. There is still a problem that it is difficult to expect the activation of financial services related to corporate customer loans for both financial firms and corporate clients because the risks of corporate clients' bonds that financial companies providing services still bear.

In order to solve the above problems, an object of the present invention is to provide a system for operating a loan product to which a contractor subscribes based on the contractor's electronic order (or electronic contract),

Information storage means for processing the electronic order (or electronic contract) information including the contract period information in association with the ordering company information and the ordering company information and storing the information on the predetermined storage medium;

Contract term confirmation means for confirming a contract term corresponding to the electronic order form (or electronic contract) in association with the storage medium;

Loan period setting means for dividing the confirmed contract period into a predetermined unit period to set a loan period for the loan product; And

And a loan product operating means for automatically extending the loan period of the loan product within the contract period when the loan period of the set loan product expires.

The present invention provides a method for operating a loan product to which a contracting company subscribes based on an electronic ordering document (or an electronic contract) of an ordering company, the electronic ordering document (or electronic contract) including the contract period information in a predetermined information storage means. Storing information in a predetermined storage medium by linking the information with the ordering company information and the ordering company information; and a contract period corresponding to the electronic ordering document (or electronic contract) in association with the storage medium in a predetermined contract period checking means. Confirming, dividing the checked contract period into a predetermined unit period in a predetermined loan period setting means, setting a loan period for the loan product, and setting the loan period in the predetermined loan product operating means. At the end of the loan period, automatically extending the loan period of the loan product within the contract period; It relates to the loan operation wherein which lures.

According to the present invention, the loan product operating method, when the loan period of the loan product expires in the loan product operating means, checks the credit status change or the contract change situation of the contractor, the change status check result-credit It is characterized in that it comprises a step of not performing the automatic extension of the loan period of the loan product in accordance with the drop, cancellation of the contract.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-described loan product operating method recorded.

On the other hand, the present invention is a system for operating a loan product subscribed to a contractor based on the electronic order (or electronic contract) of the ordering company, the order information (or electronic contract) information including the contract period information Information storage means for processing in association with corporate information and contractor information and storing in a predetermined storage medium, contract period checking means for confirming a contract period corresponding to the electronic order (or electronic contract) in association with the storage medium; A loan period setting means for dividing the checked contract period into a predetermined unit period and setting a loan period for the loan product, and a loan period of the loan product within the contract period when the loan period of the set loan product expires; Loan product management system comprising a means for automatically extending the loan product management will be.

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

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a face-to-face agreement information registration system for a credit card of an ordering company according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given contractor customer has a contract information registration system through a predetermined information registration interface, and the client's customer information, contractor's customer information, credit subject information, and credit for each subject for the order credit of the contractor. When the order credit agreement information including at least one of condition information and agreement agreement agreement information is provided, the ordering company customer information, contract company customer information, and credit subject information included in the order order credit agreement information provided in the agreement information registration system. , The credit condition information for each subject, agreement arrangement agreement information to the system configuration for storing in a predetermined storage medium 130, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 1 Various implementations on the arrangement of contract information registration system for credits of ordering companies by referencing or modifying Would be able to derive a method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means or functional configuration for storing the order credit agreement information provided from the contractor customer through the predetermined information registration interface on the storage medium 130 on the agreement information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a contract information registration system for an order book credit of an ordering company may include information registration including a counter terminal provided in at least one branch (or head office or branch) of a financial institution. Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the information registration server 100 provided on the agreement information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the client company visits the financial institution branch (or the head office or a branch) for an order credit of the contractor, and the window is provided at the financial institution branch (or the head office or a branch). Prepare a prescribed application (e.g., document with a form for filling in at least one item of information for the ordering credit of the ordering company) through (or through the clerk) When the application is submitted to the teller, the teller enters (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information through the financial network. It is preferable to transmit to the information registration server 100 provided on the agreement information registration system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or head office or a branch) of the financial institution, the information registration server 100 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 100 is a branch network connecting the communication channel between the teller terminal and the information registration server 100. It is preferable to comprise a.

In the contract information registration system as described above, the application form prepared by the contractor customer, the teller terminal used by the teller employee, and the financial network connecting the teller terminal and the information registration server 100 are provided by the contractor customer. It performs a function of an information registration interface for registering the order credit agreement information for the order credit of the ordering company.

The storage medium 130 provided on the agreement information registration system according to the present invention includes the ordering company customer information, ordering company customer information, credit subject information, and subject included in the purchase order credit agreement information provided from the information registration terminal. It is characterized in that the credit condition information for each star, agreement agreement agreement information to be stored in a predetermined storage medium 130, the client company information, contractor customer information, credit subject information stored in the storage medium 130 Ordering credit information including at least one subject, credit condition information and contract agreement information is used for the ordering credit of the contractor.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, and business type of the customer of the client that supports the credit required for the production and operation activities of the operator (the client of the ordering company) that has entered the prescribed delivery contract. It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of the person in charge.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

Preferably, the credit subject information includes at least one credit subject and a classification (limit / case) that can be provided to the contract firm customer through the contract firm customer credit support.

According to the exemplary embodiment of the present invention, the credit subject includes a general bank loan (ordering company electronic order loan), general funds loan (ordering company electronic order loan), won payment guarantee (warranty related to the ordering company electronic order), etc. Can be done.

The credit condition information for each subject may include information on loan subject, loan period or target company, transaction method, loan limit assessment, loan ratio, etc. for each credit subject.

The agreement agreement agreement information may include agreement information for agreement agreement that enables the client company customer to support the credit of the client company customer through the financial institution using the electronic order provided by the client company. Do.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system), wherein the Storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 100 provided on the agreement information registration system according to the present invention is a generic term for the agreement information registration system-side components connected to the information registration terminal and a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

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

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

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

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending a predetermined order credit agreement information from the information registration terminal in association with the information registration terminal; The information receiving unit 115 for receiving predetermined order credit agreement information input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the interface unit 105, and the received order credit agreement information. Validation unit 120 for confirming the validity, and the client company information, the ordering company included in the order confirmation credit information confirmed the validity Characterized in that it comprises an information storage unit 125 for storing in a predetermined storage medium 130 by processing the customer information, credit subject information, credit condition information for each subject, agreement agreement agreement information.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) purchase order loan agreement information to the information registration server 100 through the financial network, or extracting from a predetermined database (not shown), and the interface unit. In operation 105, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the purchase order credit agreement information to the information registration terminal and transmitting the information to the information registration server 100 through the financial network. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs the purchase order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the agreement agreement agreement information based on the user interface. (Or select), and transmits the input (or selected) purchase order credit agreement information to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115, at the information registration terminal through the user interface, the purchase order credit agreement that includes at least one customer company information, ordering company customer information, credit subject information, credit condition information for each subject, agreement agreement agreement information When the information is input (or selected) and transmitted through the financial network, the purchase order credit agreement information is received in cooperation with the interface unit 105, and the validity confirming unit receives the received purchase order loan agreement information. Provided by 120.

The validity confirming unit 120 checks whether the order credit agreement information received from the information registration terminal satisfies the validity for the order credit of the contracting company.

According to the method of the present invention, the validity confirmation of the order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system at least one or more ledger information matching the order order credit agreement information is registered It is preferable to include checking whether it is done.

For example, the validity confirmation of the order credit agreement information may be performed to confirm whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client customer included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

When the validity of the purchase order loan agreement information is confirmed, the information storage unit 125 includes the ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the contracting agreement included in the order loan agreement information. And process the consent information in association with the storage medium 130, and the storage medium 130 is provided in the information registration server 100 or on a network associated with the information registration server 100. When provided in the, the information storage unit 125 links the client company information, the ordering company customer information, credit subject information, credit terms information for each subject, agreement conclusion agreement information included in the received purchase order credit agreement information It is preferable to process and store the information in the storage medium 130. When the storage medium 130 is provided in a DBMS provided on a financial system, the information storage unit 125 receives the received order. DBMS provided on the financial system by providing client information, contractor customer information, credit subject information, credit condition information by subject, and agreement agreement agreement information included in the credit agreement information through the external system on the financial system. It is preferable to store in.

2 is a diagram showing the composition of the order loan agreement information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the ordering credit of the winning company according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that when the storage medium 130 shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the customer information of the ordering company is included in the ledger information provided in the ledger D / B. As shown in the information structure for an implementation method in which the order credit information including ordering customer information, credit subject information, subject credit condition information, and contract agreement information is stored, it is common in the technical field to which the present invention belongs. Those skilled in the art will be able to infer various information construction methods for storing the purchase order credit agreement information in the ledger D / B by referring to or modifying the drawing 2, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

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

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

Referring to FIG. 2, the purchase order credit agreement information provided through the agreement information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. It comprises at least one information, customer information of the contractor, credit subject information, credit condition information for each subject, agreement agreement information.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, and business type of the customer of the client that supports the credit required for the production and operation activities of the operator (the client of the ordering company) that has entered the prescribed delivery contract. It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of the person in charge.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The client information of the contractor is the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification (for example, large company / medium company / small company or public company) / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

Preferably, the credit subject information includes at least one credit subject and a classification (limit / case) that can be provided to the contract firm customer through the contract firm customer credit support.

According to the exemplary embodiment of the present invention, the credit subject includes a general bank loan (ordering company electronic order loan), general fund loan (ordering company electronic order loan), won payment guarantee (warranty related to the ordering company electronic order), etc. Can be done.

The credit condition information for each subject may include information on loan subject, loan period or target company, transaction method, loan limit assessment, loan ratio, etc. for each credit subject.

The agreement agreement agreement information may include agreement information for agreement agreement that enables the client company customer to support the credit of the client company customer through the financial institution using the electronic order provided by the client company. Do.

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

FIG. 3 is a diagram illustrating an order credit arrangement information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for an order credit of an ordering company according to another exemplary embodiment of the present invention.

In more detail, FIG. 3 illustrates an information structure of an exemplary embodiment in which the storage medium 130 illustrated in FIG. As those skilled in the art to which the present invention pertains, various information configuration methods for referring to or modifying this figure 3 and storing the order credit agreement information in a predetermined database in association with the ledger D / B and storing the information. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the purchase order credit information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the order credit agreement information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the client company information, contract company customer information, credit subject information, credit condition information for each subject, and contract agreement information included in the order credit agreement information. Preferably, the order credit agreement information further includes a CIF number corresponding to the ledger information in the order credit agreement information to be processed in connection with the ledger D / B.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, and business type of the customer of the client that supports the credit required for the production and operation activities of the operator (the client of the ordering company) that has entered the prescribed delivery contract. It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of the person in charge.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

Preferably, the credit subject information includes at least one credit subject and a classification (limit / case) that can be provided to the contract firm customer through the contract firm customer credit support.

According to the exemplary embodiment of the present invention, the credit subject includes a general bank loan (ordering company electronic order loan), general fund loan (ordering company electronic order loan), won payment guarantee (warranty related to the ordering company electronic order), etc. Can be done.

The credit condition information for each subject may include information on loan subject, loan period or target company, transaction method, loan limit assessment, loan ratio, etc. for each credit subject.

The agreement agreement agreement information may include agreement information for agreement agreement that enables the client company customer to support the credit of the client company customer through the financial institution using the electronic order provided by the client company. Do.

4 is a diagram showing the composition of the order credit agreement information stored in the DBMS provided in the banking server in a face-to-face manner for the order credit of the ordering company according to another embodiment of the present invention.

In more detail, FIG. 4 shows a DBMS in which the storage medium 130 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention belongs, order or credit stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 4 It is possible to infer a method of constructing information on contract information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server includes ordering company customer information, contracting company customer information, credit subject information, subject credit condition information, and contract agreement information included in the order credit agreement information. Characterized in that the linkage processing.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, and business type of the customer of the client that supports the credit required for the production and operation activities of the operator (the client of the ordering company) that has entered the prescribed delivery contract It is preferable to include at least one or more corporate divisions (eg, large corporations / medium enterprises / small enterprises or public corporations / private corporations), contact numbers, representatives, and representative telephone numbers.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

Preferably, the credit subject information includes at least one credit subject and a classification (limit / case) that can be provided to the contract firm customer through the contract firm customer credit support.

According to the exemplary embodiment of the present invention, the credit subject includes a general bank loan (ordering company electronic order loan), general fund loan (ordering company electronic order loan), won payment guarantee (warranty related to the ordering company electronic order), etc. Can be done.

The credit condition information for each subject may include information on loan subject, loan period or target company, transaction method, loan limit assessment, loan ratio, etc. for each credit subject.

The agreement agreement agreement information may include agreement information for agreement agreement that enables the client company customer to support the credit of the client company customer through the financial institution using the electronic order provided by the client company. Do.

5 is a diagram illustrating a process of registering order order credit information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a case where the information registration server 100 on the agreement information registration system shown in FIG. 1 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server 100 and connected to the communication channel for registration of the order loan agreement information according to the present invention, and then the ordering to the information registration server 100 through the communication channel When the order credit agreement information including corporate customer information, contractor customer information, credit subject information, credit condition information for each subject, agreement agreement information is transmitted, the received order credit agreement information is received from the information registration server 100. Client information, contractor customer information, credit subject information, credit condition information for each subject, agreement agreement information included in the linking process to the predetermined storage medium 130 As an embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 5 and register the order credit agreement information with the information registration server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The client company information, contractor customer information, credit subject information, credit condition information for each subject, and agreement agreement agreement information transmitted to the server 100 are referred to as "order credit agreement information" for convenience.

Referring to FIG. 5, the window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the order credit agreement information, and sends the order credit of the ordering company. When requesting the purchase order credit agreement information registration (500), the server generates (or extracts) a predetermined information registration interface for registering the order credit agreement information (505), and generates the ( Alternatively, the extracted information registration interface is transmitted to the terminal for output (510).

According to an embodiment of the present invention, the information registration interface is an order credit agreement including at least one of the ordering company customer information, ordering company customer information, credit subject information, subject credit condition information, agreement conclusion agreement information at the terminal It is preferred to include a user interface for entering (or selecting) information.

Thereafter, the terminal inputs (or selects) the order credit agreement information including the at least one ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the agreement agreement information through the information registration interface. (515).

If the terminal receives order information (or selection) from the order registration credit information including the ordering company customer information, ordering company customer information, credit subject information, subject credit information, subject agreement agreement information through the information registration interface ( 520), the terminal receives order credit information including ordering customer information, ordering company customer information, credit subject information, subject condition credit information, agreement conclusion agreement information entered through the financial network; The server transmits the data to the server (525).

Thereafter, the server receives and reads the ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the contract agreement information through the financial network to confirm the validity of the order credit agreement information. (530).

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to confirm whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client customer included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

If the validity of the purchase order loan agreement information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and performs an information registration procedure corresponding to the order loan agreement information. Do not perform.

On the other hand, if the validity of the purchase order loan agreement information is authenticated (535), the server performs the information registration procedure corresponding to the order loan agreement information, the customer information of the ordering company, customer information of the contractor, credit subject information, subject Each credit condition information and contract agreement information are processed in association with each other and stored in a predetermined storage medium 130 (545).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system), wherein the Storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the purchase order credit agreement information transmitted from the terminal.

FIG. 6 is a diagram illustrating a non-face-to-face agreement information registration system for an order credit of an ordering company according to another exemplary embodiment of the present invention.

In more detail, in Figure 6, a predetermined customer is a contract information registration system through a predetermined information registration interface, the client company information, contractor customer information, credit subject information, credit condition information for each subject for the order credit of the contractor In addition, when the order loan agreement information including at least one agreement agreement information is provided, the ordering company customer information, the ordering company customer information, the credit subject information, and the subject included in the order order loan agreement information are provided in the agreement information registration system. This is a system configuration for storing the credit condition information and agreement agreement agreement information for each other in a predetermined storage medium 630, and those skilled in the art to which the present invention pertains, refer to FIG. By varying, various implementation methods for the arrangement of contract information registration system for the order credit of the winning company Would be able, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, at least one means or function for storing, on the storage medium 630, the order credit agreement information provided from the client company through a predetermined information registration interface on the agreement information registration system shown in FIG. 6. Components corresponding to the configuration are referred to as "information registration server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a contract information registration system for an order credit of an ordering company may include at least one client terminal including at least one wired terminal or a wireless terminal used by a client company. Characterized in that it comprises an information registration terminal including the above, the information registration terminal is connected to the communication channel and the information registration server 600 provided on the agreement information registration system through a predetermined network means.

According to one embodiment of the present invention, the client company is connected to the information registration server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) purchase order credit agreement information for the purchase order credit of the ordering company through at least one user interface provided by the information registration server 600, the client terminal provides the agreement information through predetermined network means. It is preferable to transmit to the information registration server 600 provided on the registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 600 connected to the client terminal is either an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 600 is a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 600. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 600) is provided.

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

In the contract information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the client company, and at least one wired communication network connecting the client terminal and the information registration server 600. Alternatively, the wireless communication network performs a function of an information registration interface for the client company to register order credit agreement information for the order credit of the contractor.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the agreement information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the information registration server 600. The wired telephone network or the wireless telephone network performs a function of an information registration interface for the client company to register order loan agreement information for the order credit of the contractor, or is affiliated with the financial institution that is the information registration terminal. When the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 600 is The client company performs a function of an information registration interface for registering order credit agreement information for the order credit of the contractor.

The storage medium 630 provided on the agreement information registration system according to the present invention includes the ordering company customer information, the ordering company customer information, the credit subject information, and the subject included in the purchase order credit agreement information provided from the information registration terminal. It is characterized in that the credit condition information for each star, agreement agreement agreement information is stored in a predetermined storage medium 630, the client company information, contractor customer information, credit subject information stored in the storage medium 630 Ordering credit information including at least one subject, credit condition information and contract agreement information is used for the ordering credit of the contractor.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, and business type of the customer of the client that supports the credit required for the production and operation activities of the operator (the client of the ordering company) that has entered the prescribed delivery contract. It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of the person in charge.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

Preferably, the credit subject information includes at least one credit subject and a classification (limit / case) that can be provided to the contract firm customer through the contract firm customer credit support.

According to the exemplary embodiment of the present invention, the credit subject includes a general bank loan (ordering company electronic order loan), general fund loan (ordering company electronic order loan), won payment guarantee (warranty related to the ordering company electronic order), etc. Can be done.

The credit condition information for each subject may include information on loan subject, loan period or target company, transaction method, loan limit assessment, loan ratio, etc. for each credit subject.

The agreement agreement agreement information may include agreement information for agreement agreement that enables the client company customer to support the credit of the client company customer through the financial institution using the electronic order provided by the client company. Do.

According to an embodiment of the present invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 630 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 630 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 600 provided on the agreement information registration system according to the present invention is a generic term for the agreement information registration system side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the information registration server 600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 600 is characterized by comprising an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

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

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

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

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

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

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

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

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

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

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 605 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 6, the information registration server 600 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal is connected to the interface unit 605. An interface provider 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending a predetermined order credit agreement information from the information registration terminal in association with the information registration terminal; An information receiving unit 615 for receiving predetermined order credit agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 605, and the received order credit agreement information. The customer information, client company information, credit subject information, credit condition information for each subject, and agreement agreement information included in the order are included in the predetermined information. And an information storage unit 625 for storing the medium (630) is characterized in that eojineun achieved.

The interface providing unit 610 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) purchase order credit agreement information to the information registration server 600 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. In operation 605, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs the purchase order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the agreement agreement agreement information based on the user interface. (Or select), and transmits the input (or selected) order credit agreement information to the information registration server 600 through the network means.

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 605. desirable.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the purchase order credit agreement information to the information registration terminal and transmitting the information to the information registration server 600 through the network means. If the information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal may be omitted, thereby not limited to the present invention.

The information receiving unit 615, at the information registration terminal through the user interface, the customer order information, the ordering company customer information, credit subject information, credit condition information for each subject, agreement order agreement including at least one agreement information When the information is input (or selected) and transmitted through the network means, the purchase order credit agreement information is received in cooperation with the interface unit 605, and the validity confirming unit receives the received purchase order loan agreement information. Provided at 620.

The validity confirming unit 620 is characterized in that the purchase order credit agreement information received from the information registration terminal satisfies the validity for the order credit of the contracting company.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to confirm whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client customer included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

When the validity of the purchase order credit agreement information is confirmed, the information storage unit 625 may include the customer company information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the contract agreement included in the order loan agreement information. And process the consent information in association with the storage medium 630, and the storage medium 630 is provided in the information registration server 600 or on the network associated with the information registration server 600. When provided in the, the information storage unit 625 processes the client company information, the ordering company customer information, credit subject information, credit terms information for each subject, agreement agreement agreement information contained in the received order credit agreement information Preferably, the storage medium 630 is stored in the storage medium 630. When the storage medium 630 is provided in a DBMS provided on a financial system, the information storage unit 625 receives the received order. DBMS provided on the financial system by providing client information, contractor customer information, credit subject information, credit condition information by subject, and agreement agreement agreement information included in the credit agreement information through the external system on the financial system. It is preferable to store in.

7 is a diagram illustrating a process of registering the order loan agreement information in a non-face-to-face manner for the order credit of the winning company according to an embodiment of the present invention.

In more detail, in FIG. 7, when the information registration server 600 on the contract information registration system illustrated in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 600 and connecting the communication channel for registering the order credit agreement information according to the present invention, the customer information, the ordering company customer to the information registration server 600 through the communication channel When sending the purchase order credit agreement information including information, credit subject information, subject condition credit information, agreement conclusion agreement information, the ordering company customer information included in the received purchase order credit agreement information in the information registration server 600. , The client company information, credit subject information, credit condition information for each subject, and agreement agreement information are stored in a predetermined storage medium 630. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 7 to register the purchase order credit agreement information from the client terminal to the information registration server 600. It will be possible to infer various implementation methods, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the client terminal shown in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 shown in FIG. 6 is referred to as a “server” for convenience, and the information registration is performed in the client terminal. The client company information, contractor customer information, credit subject information, credit condition information for each subject, and contract agreement information transmitted to the server 600 are referred to as "order credit agreement information" for convenience.

Referring to FIG. 7, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through the communication network or the IEEE 802.16x-based portable Internet, etc. to register the order credit agreement information, and registering the order credit agreement information for the order credit of the ordering company. Upon request (700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the order credit agreement information (705), and generates (or extracts) the data through the communication channel. The web page is transmitted to the terminal for output (710).

According to an embodiment of the present invention, the information registration interface is an order credit agreement including at least one of the ordering company customer information, ordering company customer information, credit subject information, subject credit condition information, agreement conclusion agreement information at the terminal It is preferred to include a user interface for entering (or selecting) information.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the purchase order credit agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the order credit agreement information including the at least one ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the agreement agreement information through the information registration interface. (715).

If the terminal receives order information (or selection) from the order registration credit information including the ordering company customer information, ordering company customer information, credit subject information, subject credit information, subject agreement agreement information through the information registration interface ( 720, the terminal transmits the inputted (or selected) ordering company customer information, ordering company customer information, credit subject information, subject credit condition information, agreement conclusion agreement information to the server through the communication channel (725). ).

According to an embodiment of the present invention, the client information, ordering company customer information, credit subject information, credit condition information for each subject, agreement agreement agreement information transmitted through the communication channel (or selected) is transmitted to the server. The method may further include electronically signing or encrypting the order credit agreement information input (or selected) through the information registration interface and transmitting the digital signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the ordering company customer information, the ordering company customer information, the credit subject information, the credit condition information for each subject, and the agreement agreement information through the communication channel to check the validity of the order credit agreement information. (730).

According to the method of the present invention, confirming the validity of the order credit agreement information, if the order credit agreement information is electronically signed or encrypted through a security module provided in the terminal, decrypt the order credit agreement information Alternatively, or further comprising decoding the order credit agreement information.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to confirm whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client customer included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

If the validity of the purchase order credit agreement information is not authenticated (735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (740), corresponding to the order loan agreement information. Do not perform the information registration procedure.

On the other hand, if the validity of the purchase order loan agreement information is authenticated (735), the server performs the information registration procedure corresponding to the order loan agreement information, the customer information of the ordering company, customer information of the contractor, credit subject information, subject Each credit condition information and contract agreement information are processed in association with each other and stored in a predetermined storage medium 630 (745).

According to an embodiment of the present invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 630 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 630 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (750), thereby completing the procedure of registering the purchase order credit agreement information transmitted from the terminal.

8A and 8B are diagrams illustrating a process of registering order credit agreement information in a non-face-to-face manner for an order credit of an ordering company according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a case in which the agreement information registration system illustrated in FIG. 6 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal sends predetermined order credit agreement information for the order credit of an ordering company to the Internet banking server. When the order credit agreement information including customer information, contractor customer information, credit subject information, credit condition information for each subject, agreement agreement information is transmitted, the information registration server 600 receives the order credit agreement information. Included client information, contractor customer information, credit subject information, credit condition information by subject, contract agreement The present invention relates to a method of linking and storing information in a predetermined storage medium 630. Those skilled in the art to which the present invention pertains may refer to or modify the client terminals by referring to or modifying the drawings 8a and 8b. In various embodiments of the present invention, it is possible to infer various implementation methods for registering the order credit agreement information with the information registration server 600, but the present invention includes all the implementation methods inferred, and is shown in FIGS. 8A and 8B. It is not limited to the method.

That is, in FIGS. 8A and 8B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, etc.) provided in the client terminal, the client terminal and the Internet are based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering credit order information between banking servers is illustrated, those skilled in the art to which the present invention pertains are illustrated in FIGS. 8A and 8B. Internet banking base for registering loan agreement information between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using a browser program Financial transactions It would be possible to infer an implementation method of linking channels, but the present invention includes provided Internet banking based financial transactions based on the Internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 8a and 8b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registration of order loan agreement information may be inferred. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future proposed non-face-to-channel banking systems, and the technical configuration of the present invention is limited to the case of the Internet banking shown in FIGS. 8A and 8B. Is never.

8A and 8B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 600 is referred to as " server " for convenience.

8A and 8B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (800a), the server communicates between the terminal and the server through the browser. (805a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing the terminal to the terminal, it is determined whether the terminal is equipped with a predetermined security module for internet banking or the security module is updated. 810a.

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

If a predetermined security module is mounted or updated in the terminal (815a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 820a.

If the terminal does not need to install or update the latest version of the Internet banking security module (825a), or if the terminal does not need to load or update the Internet banking security module (815a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (830a), where the security channel for Internet banking Attach a predetermined electronic signature to information (or data) required for security among the information (or data) included in the web page to be provided to the terminal from the server or at least one encryption method (or encryption algorithm). If the encryption is provided, the terminal may verify the electronic signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the order credit agreement information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and the predetermined electronic signature on information (or data) to be provided to the server for registering the order credit agreement information in the terminal. Append or at least one encryption scheme (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking customer authentication procedure through the browser program (835a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (840a). In operation 845a, the server (or authentication server) authenticates a customer connected through the terminal as an internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (850a), the server blocks the Internet banking secure channel for the terminal (855a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined order credit agreement information for the order credit of an ordering company from the terminal to the server.

Subsequently, when the terminal requests internet banking-based purchase order credit agreement information from the server through the inter-banking-based financial transaction channel to register order loan agreement information (800b), the server registers the order credit agreement information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel and output (810b). ).

According to the implementation method of the present invention, the information registration interface, the ordering credit agreement information including at least one or more of the ordering company customer information, the ordering company customer information, credit subject information, subject credit information, subject agreement agreement information at the terminal It is preferable to include an interface for inputting (or selecting) a predetermined password or a predetermined password (e.g., an account for verifying the validity of the Internet banking customer requesting registration of the purchase order credit agreement information or the order loan agreement information). Password, etc.) or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) or an One Time Password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) One-time generated by an OTP authenticator (or OTP certification program) provided to the customer It is preferable to further include an interface for inputting a password).

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the purchase order credit agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, the credit subject information, the subject condition credit information, and the agreement conclusion agreement information through the information registration interface. 815b.

If the terminal receives order information (or selection) from the order registration credit information including the ordering company customer information, ordering company customer information, credit subject information, subject credit information, subject agreement agreement information through the information registration interface ( 820b), the terminal transmits the input (or selection) order credit agreement information to the server through the financial transaction channel (825b).

According to the method of the present invention, transmitting the order credit agreement information input (or selected) through the financial transaction channel to the server, the order credit agreement information input (or selected) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the order credit agreement information through the financial transaction channel to check the validity of the order credit agreement information (830b).

According to the method of the present invention, confirming the validity of the order credit agreement information, if the order credit agreement information is electronically signed or encrypted through a security module provided in the terminal, decrypt the order credit agreement information Alternatively, or further comprising decoding the order credit agreement information.

In addition, the validity check on the order credit agreement information, preferably further comprises authenticating a password or security code or OTP included in the order credit agreement information.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity of the purchase order loan agreement information may be determined by the [constitution information 1] included in the order loan agreement information stored in the ledger D / B on the financial system linked to the agreement information registration system. ] Is preferably included.

For example, the validity confirmation of the order credit agreement information may be performed to confirm whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client customer included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

If the validity of the purchase order loan agreement information is not authenticated (835b), the server generates a web page including a predetermined order loan agreement information registration error information and transmits it to the terminal (840b), and the order loan agreement Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the purchase order loan agreement information is authenticated (835b), the server performs an information registration procedure corresponding to the order loan agreement information, so that the client company information, the ordering company customer included in the order loan agreement information The information, the credit course information, the credit condition information for each subject, and the agreement conclusion agreement information are processed in association with each other and stored in the predetermined storage medium 630 (845b).

According to an embodiment of the present invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 630 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 630 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined order credit agreement information registration history information and transmits it to the terminal (850b), thereby completing the registration of the order credit agreement information transmitted from the terminal.

9 is a diagram illustrating a non-face-to-face agreement information registration system for a purchase order credit according to another embodiment of the present invention.

In more detail, Figure 9 shows that a given contractor customer includes at least one contractor's customer information, a client's customer information, and a contract agreement information for the credit order by the contract information registration system through a predetermined information registration interface. When the purchase order credit agreement information is provided, the contract information registration system links and processes the ordering company customer information, the ordering company customer information, and the contract agreement information included in the provided order credit agreement information to a predetermined storage medium 930. As a system configuration for storing, those skilled in the art to which the present invention pertains can refer to or modify this drawing 9 to infer various implementation methods for the arrangement of the agreement information registration system for the order credit. However, the present invention encompasses all the implementation methods inferred from the above, It shall not be limited to the exemplary method.

Hereinafter, at least one means or functional configuration for storing the order credit agreement information provided from the client company through a predetermined information registration interface on the agreement information registration system shown in FIG. 9 in the storage medium 930. The corresponding component is referred to as " information registration server 900 " for convenience.

Referring to FIG. 9 in accordance with an embodiment of the present invention, the contract information registration system for the purchase order credit includes at least one client terminal including at least one wired terminal or a wireless terminal used by a client company. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 900 provided on the agreement information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the contractor customer accesses the information registration server 900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. When the purchase order credit agreement information for the purchase order credit is input (or selected) through the at least one user interface provided by the information registration server 900, the client terminal receives the order credit agreement information on the contract information registration system through a predetermined network means. It is preferable to transmit to the information registration server 900 provided in.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 900 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 900 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 900, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 900. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 900, etc.) is provided.

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

In the contract information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the client company, and at least one wired communication network connecting the client terminal and the information registration server 900. Alternatively, the wireless communication network performs a function of an information registration interface for the client company to register order credit agreement information for the order credit.

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

In the agreement information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server 900 The wired telephone network or the wireless telephone network to be connected performs a function of an information registration interface for the customer to register order credit agreement information for the order credit, or a terminal provided in an institution affiliated with the financial institution that is the information registration terminal. (Or a server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 900 is provided by the customer. Performs the function of the information registration interface for registering the order agreement information for the credit.

The storage medium 930 provided on the agreement information registration system according to the present invention stores the ordering company customer information, the ordering company customer information, and the agreement agreement information included in the purchase order credit agreement information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 930 and linked, the purchase order credit agreement including at least one of the ordering company customer information, ordering company customer information, agreement agreement agreement information stored in the storage medium 930 Information is used for the order credit.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc.), a contact number, a person in charge, and a person in charge of the person are preferably included.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The agreement agreement consent information may include agreement information for agreement agreement that allows the client company customer to support the credit card of the client company customer through the financial institution using an electronic order provided by the client company. Do.

According to an embodiment of the present invention, the storage medium 930 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 930 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 930 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 900 provided on the agreement information registration system according to the present invention is a generic term for the agreement information registration system side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 900 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 900 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 900 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 900 is characterized by comprising an interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

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

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

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

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

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

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

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

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

Referring to FIG. 9, the information registration server 900 connects a communication channel with the information registration server 900 through the interface unit 905 and then connects the communication unit 905 with the interface unit 905. An interface providing unit 910 which generates (or extracts) a predetermined user interface for inputting (or selecting) and sending predetermined order credit agreement information from the information registration terminal in association with the information registration terminal; An information receiving unit 915 for receiving predetermined order credit agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 905, and the received order credit agreement information. The information storage unit 925 for storing the information on the ordering company customer information, the ordering company customer information, and the contract conclusion agreement information included in the predetermined storage medium 930. It characterized by comprising a.

The interface providing unit 910 connects a communication channel with the information registration server 900 through the interface unit 905 through the interface unit 905, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) purchase order credit agreement information to the information registration server 900 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. In operation 905, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) an order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information based on the user interface, and the input (or Select) the order credit agreement information is transmitted to the information registration server 900 through the network means.

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 910 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 905. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the purchase order credit agreement information to the information registration terminal and transmitting the information to the information registration server 900 through the network means. When the information registration program is provided, the interface providing unit 910 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 915 inputs (or selects) the purchase order credit agreement information including at least one of ordering company customer information, ordering company customer information, and contract agreement information through the user interface at the information registration terminal. When transmitting through a network means, it is characterized in that receiving the order credit agreement information in conjunction with the interface unit 905, and provides the received order credit agreement information to the validity check unit 920.

The validity confirming unit 920 is characterized by checking whether the order credit agreement information received from the information registration terminal satisfies the validity for the order credit.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to check whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client company included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

When the validity of the purchase order credit agreement information is confirmed, the information storage unit 925 processes the ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information included in the order credit agreement information in the storage medium ( 930, and when the storage medium 930 is provided in the information registration server 900 or on the network associated with the information registration server 900, the information storage unit ( 925 is preferably stored in the storage medium 930 by linking and processing the ordering company customer information, the ordering company customer information, the contract agreement information included in the received order credit agreement information, the storage medium 930 Is provided in the DBMS provided on the financial system, the information storage unit 925 is a contractor customer information, ordering company customer information, contract agreement included in the received order credit agreement information It is preferable to provide the consent information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

FIG. 10 is a diagram illustrating an order credit arrangement information stored in the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for an order credit in accordance with an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 930 illustrated in FIG. 9 is a ledger D / B provided in a DBMS on a financial system, the ordered company customer information is included in the ledger information provided in the ledger D / B. FIG. 10 illustrates an information structure of an implementation method in which an order credit agreement information including customer information of an ordering company and agreement agreement agreement information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. Although various information construction methods for storing the order credit agreement information in the ledger D / B may be inferred by referring to or modifying the present invention, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

Referring to FIG. 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

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

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

Referring to FIG. 10, the order loan agreement information provided through the agreement information registration system shown in FIG. 9 is stored in the form of additional information added to the account ledger, and the order loan agreement information is provided to the client company. Characterized in that it comprises at least one information, customer information customer, contract agreement information.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), contact information, contact person, person in charge, at least one or more.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc.), a contact number, a person in charge, and a person in charge of the person are preferably included.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The agreement agreement consent information may include agreement information for agreement agreement that allows the client company customer to support the credit card of the client company customer through the financial institution using an electronic order provided by the client company. Do.

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

FIG. 11 is a diagram illustrating an order credit arrangement information structure stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face to face order credit according to another exemplary embodiment of the present invention.

More specifically, FIG. 11 illustrates an information structure for an exemplary method in which the storage medium 930 shown in FIG. 9 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for referencing or modifying the drawing 11 and storing the order credit agreement information in a predetermined database in association with the ledger D / B and storing the information. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 11, when it is not easy to store the purchase order credit information in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the order credit agreement information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

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

Referring to Figure 11, the database is characterized in that the ordering company customer information, the ordering company customer information, the contract conclusion agreement information contained in the purchase order credit agreement information is processed in conjunction with, the order credit agreement information is the ledger In order to be linked to the D / B, it is preferable that the order credit agreement information further comprises a CIF number corresponding to the ledger information.

The client information of the contractor is the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification (for example, large company / medium company / small company or public company) / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc.), a contact number, a person in charge, and a person in charge of the person are preferably included.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The agreement agreement consent information may include agreement information for agreement agreement that allows the client company customer to support the credit card of the client company customer through the financial institution using an electronic order provided by the client company. Do.

FIG. 12 is a diagram illustrating an order loan agreement information structure stored in a DBMS provided in a banking server in a non-face to face order loan according to another exemplary embodiment of the present invention.

More specifically, FIG. 12 shows a DBMS in which a storage medium 930 shown in FIG. 9 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, the order credit is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this drawing 12 It is possible to infer a method of constructing information on contract information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12, a predetermined DBMS provided in the banking server is configured to store and process an ordering company customer information, an ordering company customer information, and a contract agreement information included in the order credit agreement information.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc.), a contact number, a person in charge, and a person in charge of the person are preferably included.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The agreement agreement consent information may include agreement information for agreement agreement that allows the client company customer to support the credit card of the client company customer through the financial institution using an electronic order provided by the client company. Do.

FIG. 13 is a diagram illustrating a process of registering order order agreement information in a non-face-to-face manner for an order order loan according to an embodiment of the present invention.

In more detail, in FIG. 13, when the information registration server 900 on the contract information registration system shown in FIG. 9 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 900 and connecting the communication channel for registering the order agreement agreement information according to the present invention, the customer information, the ordering company customer to the information registration server 900 through the communication channel When the order credit agreement information including the information, the agreement agreement information is transmitted, the customer registration information, the ordering company customer information, the agreement agreement agreement information included in the received order credit agreement information from the information registration server 900 As an embodiment of the present invention relates to a method for storing the data in a predetermined storage medium 930 by linking the same. Those skilled in the art will be able to infer various implementation methods for registering the order credit agreement information from the client terminal to the information registration server 900 by referring to or modifying the drawing 13, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the client terminal shown in FIG. 9 is referred to as "terminal" for convenience, and the information registration server 900 shown in FIG. 9 is called "server" for convenience, and the information registration is performed in the client terminal. The ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information transmitted to the server 900 are referred to as "order credit agreement information" for convenience.

Referring to Figure 13, the client terminal shown in Figure 9 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile Connecting to a predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and registering the order credit agreement information, and requesting registration of the order credit agreement information for the order credit; 1300, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the purchase order credit agreement information (1305), and generates the generated (or extracted) web page through the communication channel. The terminal transmits the output to the terminal (1310).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) purchase order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, and the contract agreement information. It is preferred to include an interface.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the purchase order credit agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) order loan agreement information including at least one or more contractor customer information, client company information, and contract agreement information through the information registration interface (1315).

If the terminal receives (or selects) an order credit agreement information including the ordering company customer information, the ordering company customer information, and the contract agreement information through the information registration interface (1320), the terminal establishes the communication channel. Through the input (or selection) of the ordered customer information, the client company information, and the contract agreement information is transmitted to the server (1325).

According to an embodiment of the present invention, transmitting the inputted (or selected) ordering company customer information, ordering company customer information, and contract agreement information through the communication channel to the server may be input through the information registration interface ( Alternatively, the method may further include electronically signing or encrypting the purchase order credit agreement information through the security module provided in the terminal, and transmitting the information to the server.

Thereafter, the server receives and reads the ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information through the communication channel to confirm the validity of the order credit agreement information (1330).

According to the method of the present invention, confirming the validity of the order credit agreement information, if the order credit agreement information is electronically signed or encrypted through a security module provided in the terminal, decrypt the order credit agreement information Alternatively, or further comprising decoding the order credit agreement information.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to check whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client company included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

If the validity of the purchase order credit agreement information is not authenticated (1335), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1340) and corresponds to the order loan agreement information. Do not perform the information registration procedure.

On the other hand, if the validity of the purchase order loan agreement information is authenticated (1335), the server performs the information registration procedure corresponding to the order loan agreement information, thereby obtaining the client company information, ordering company customer information, agreement agreement information The linkage process is stored in the predetermined storage medium 930 (1345).

According to an embodiment of the present invention, the storage medium 930 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 930 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 930 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1350), thereby completing the procedure of registering the purchase order credit agreement information transmitted from the terminal.

14A and 14B illustrate a process of registering order order loan agreement information in a non-face-to-face manner for an order order loan according to another exemplary embodiment of the present invention.

In more detail, FIGS. 14A and 14B illustrate a case in which the agreement information registration system illustrated in FIG. 9 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal sends the predetermined order credit agreement information for the order credit to the Internet banking server. When the order credit agreement information including ordering company customer information and agreement agreement agreement information is transmitted, the ordering company customer information, ordering company customer information, and agreement included in the received order credit agreement information are received from the information registration server 900. An embodiment of the present invention relates to an implementation method of linking and processing a conclusion agreement information in a predetermined storage medium 930. Those skilled in the art to which the present invention pertains, various methods of registering the order credit agreement information from the client terminal to the information registration server 900 by referring to or modifying the drawings 14a and 14b It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 14A and 14B.

That is, in FIG. 14A and FIG. 14B, when accessing the internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. FIG. 14 illustrates an implementation method of connecting an internet banking-based financial transaction channel for registering an order loan agreement information between the client terminal and the internet banking server. And ordering credit between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of static information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 14a and 14b, in addition to the Internet banking system, telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registration of order loan agreement information may be inferred. However, the present invention provides the telebanking system or the wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or non-face-to-face channel banking systems proposed in the future, the technical configuration of the present invention is limited to the case of the Internet banking shown in Figures 14a and 14b Is never.

In the following figures 14a and 14b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 900 is referred to as " server " for convenience.

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

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

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

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

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

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

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and the predetermined electronic signature on information (or data) to be provided to the server for registering the order credit agreement information in the terminal. , Or at least one encryption method ( Or an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

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

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

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include the Internet banking-based customer authentication data (for example, an ID / PW registered by the customer in the internet banking application process, or a customer) through the terminal. Number, etc.) and input (or generate) to the server, wherein the server includes authenticating the client company connected through the terminal as the Internet banking customer based on the customer authentication data. The customer authentication data is preferably transmitted electronically signed or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may be performed by the contractor customer through the terminal using predetermined Internet banking-based client authentication data (eg, an ID / registered client customer during the internet banking application process). PW or customer number, etc.) is input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and the result It is made to include providing to the server, wherein the customer authentication data preferably comprises a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

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

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

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where Internet banking The underlying financial transaction channel refers to a communication channel for transmitting and registering predetermined order credit agreement information for an order loan from the terminal to the server.

Subsequently, when the terminal requests internet banking-based purchase order credit agreement information registration to the server through the inter-banking-based financial transaction channel to register the order credit agreement information (1400b), the server registers the order credit agreement information. Generates (or extracts) a web page corresponding to a predetermined information registration interface (1405b), and transmits and outputs the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel (1410b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) purchase order credit agreement information including at least one of ordering company customer information, ordering company customer information, and contract agreement information. Preferably, or a predetermined password (e.g., account password) or security code (e.g., the Internet) in order to confirm the validity of the Internet banking customer requesting registration of the purchase order credit agreement information or the order loan agreement information. A security code printed on a security card issued to a customer during the banking application process, or an OTP (One Time Password) (for example, an Internet banking application process (or after an internet banking application). Interface to enter the one-time password generated by the It is preferable to further include.

In addition, the web page transmission or output process is preferably performed at least one or more times in accordance with the purchase order credit agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information through the information registration interface (1415b).

If the terminal receives (or selects) an order credit agreement information including the ordering company customer information, the ordering company customer information, and the contract agreement information through the information registration interface (1420b), the terminal transmits the financial transaction channel. The order (or selected) order credit information is transmitted to the server through 1414b.

According to the method of the present invention, transmitting the order credit agreement information input (or selected) through the financial transaction channel to the server, the order credit agreement information input (or selected) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the order credit agreement information through the financial transaction channel to confirm the validity of the order credit agreement information (1430b).

According to the method of the present invention, confirming the validity of the order credit agreement information, if the order credit agreement information is electronically signed or encrypted through a security module provided in the terminal, decrypt the order credit agreement information Alternatively, or further comprising decoding the order credit agreement information.

In addition, the validity check on the order credit agreement information, preferably further comprises authenticating a password or security code or OTP included in the order credit agreement information.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to check whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client company included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

If the validity of the purchase order credit agreement information is not authenticated (1435b), the server generates a web page including a predetermined order loan agreement information registration error information and transmits it to the terminal (1440b), and the purchase order credit agreement Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the purchase order loan agreement information is authenticated (1435b), the server performs an information registration procedure corresponding to the order loan agreement information, so that the client company information and the ordering company customer included in the order loan agreement information The information and contract agreement information are processed in association with each other and stored in the predetermined storage medium 930 (1445b).

According to an embodiment of the present invention, the storage medium 930 is preferably provided in a DBMS on a financial system provided on the agreement information registration system (or associated with the agreement information registration system). The storage medium 930 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 930 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined order credit agreement information registration history information and transmits it to the terminal (1450b), thereby completing the registration of the order credit agreement information transmitted from the terminal.

FIG. 15 is a diagram illustrating a system for registering agreement information in a face-to-face manner for an order credit according to an embodiment of the present invention.

In more detail, Figure 15 shows that a given contractor customer includes at least one contractor customer information, a client company information, and a contract agreement information for the credit order by the contract information registration system through a predetermined information registration interface. When the purchase order credit agreement information is provided, the contract information registration system links and processes the ordering company customer information, the ordering company customer information, and the contract agreement information included in the provided order credit agreement information to a predetermined storage medium 1530. As a system configuration for storing, those skilled in the art to which the present invention pertains can refer to or modify this drawing 15 to infer various implementation methods for the arrangement of the agreement information registration system for the order credit. However, the present invention encompasses all implementation methods inferred from the above, It is not limited only to the implementation method shown.

Hereinafter, at least one means or functional configuration for storing the order credit agreement information provided from the client company through a predetermined information registration interface on the storage medium 1530 on the agreement information registration system shown in FIG. 15. The corresponding component is referred to as " information registration server 1500 " for convenience.

Referring to this figure 15 according to the embodiment of the present invention, the contract information registration system for the purchase order credit, includes an information registration terminal including a teller terminal provided in at least one branch (or head office or branch) of the financial institution The information registration terminal is connected to an information registration server 1500 provided on the contract information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the client company visits the financial institution branch (or the main office or a branch office) for the order credit and through a window provided at the financial institution branch (or the main branch or a branch office) ( Or by filling out a prescribed application (for example, a document with a form for filling in at least one item of information for the order credit) through the counter clerk and submitting the completed application to the counter clerk. The teller staff inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information on the contract information registration system through the financial network. It is preferable to transmit to the information registration server 1500.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided at the branch (or head office or a branch) of the financial institution, and the information registration server 1500 connected to the teller terminal is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 1500 is a branch network connecting the communication channel between the teller terminal and the information registration server 1500 It is preferable to comprise a.

In the contract information registration system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 1500 are arranged by the customer. In order to register the order loan agreement information to perform the function of the information registration interface.

The storage medium 1530 provided on the agreement information registration system according to the present invention stores the ordering company customer information, the ordering company customer information, and the agreement agreement information included in the purchase order credit agreement information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium (1530) by the associated process, the purchase order credit agreement including at least one or more of the ordering company customer information, the ordering company customer information, agreement agreement information stored in the storage medium (1530) Information is used for the order credit.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc.), a contact number, a person in charge, and a person in charge of the person are preferably included.

The client company information may further include account information opened by the client company in the name of the client company through the financial system.

The agreement agreement consent information may include agreement information for agreement agreement that allows the client company customer to support the credit card of the client company customer through the financial institution using an electronic order provided by the client company. Do.

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

According to another exemplary embodiment of the present invention, the storage medium 1530 is provided on (or associated with) the agreement information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 1500 provided on the agreement information registration system according to the present invention is a generic term for the agreement information registration system-side components connected to the information registration terminal and a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 1500 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

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

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

Referring to FIG. 15, the information registration server 1500 connects a communication channel with the information registration server 1500 through the interface unit 1505 and then connects the communication unit 1505 with the interface unit 1505. An interface providing unit 1510 which generates (or extracts) a predetermined user interface for inputting (or selecting) and sending predetermined order credit agreement information from the information registration terminal in association with the information registration terminal; An information receiving unit 1515 for receiving predetermined order credit agreement information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1505, and the received order credit agreement information. Validation unit 1520 to check the validity, and the customer information, the ordering company included in the purchase order credit agreement information confirmed validity Associated handle up customer information, signed consent agreement information, characterized in that formed in an information storage unit 1525 which stores a predetermined storage medium (1530).

The interface providing unit 1510 connects a communication channel with the information registration server 1500 through the interface unit 1505, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) purchase order loan agreement information and transmit it to the information registration server 1500 through the financial network, or extract it from a predetermined database (not shown). In operation 1505, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the purchase order credit agreement information to the information registration terminal and transmitting the information to the information registration server 1500 through the financial network is provided. When the information registration program is provided, the interface providing unit 1510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) an order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information based on the user interface, and the input (or The purchase order loan agreement information is transmitted to the information registration server 1500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1510 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the window terminal through the interface unit 1505.

The information receiving unit 1515 inputs (or selects) the purchase order credit agreement information including at least one of ordering company customer information, ordering company customer information, and contract agreement information through the user interface at the information registration terminal. When transmitting through a network, it is characterized in that receiving the purchase order credit agreement information in conjunction with the interface unit 1505, and provides the received order credit agreement information to the validity check unit 1520.

The validity confirming unit 1520 may check whether the purchase order credit agreement information received from the information registration terminal satisfies the validity for the order order loan.

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is desirable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to check whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client company included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

When the validity of the purchase order credit agreement information is confirmed, the information storage unit 1525 performs a process of linking and processing the ordering company customer information, the ordering company customer information, and the agreement agreement information included in the order credit agreement information. 1530, and when the storage medium 1530 is provided in the information registration server 1500 or on the network associated with the information registration server 1500, the information storage unit ( 1525 is preferably linked to the ordering company customer information, the ordering company customer information, and the contract agreement information contained in the received order credit agreement information and stored in the storage medium 1530, the storage medium 1530 Is equipped with a DBMS provided on the financial system, the information storage unit 1525 includes the contractor customer information, the client company information, included in the received order credit agreement information; The information entered into the information agrees with the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

16 is a diagram illustrating a process of registering purchase order credit agreement information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case where the information registration server 1500 on the agreement information registration system shown in FIG. 15 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server 1500 to connect a communication channel for registering the order loan agreement information according to the present invention, and then the order registration server 1500 through the communication channel When the purchase order credit agreement information including corporate customer information, ordering company customer information, and contract agreement information is transmitted, the ordering company customer information and ordering company included in the received order credit agreement information are received from the information registration server 1500. The present invention relates to an implementation method of linking and processing customer information and contract agreement information in a predetermined storage medium 1530. Those skilled in the art will be able to infer various implementation methods for registering the order credit agreement information from the counter terminal to the information registration server 1500 by referring to or modifying the drawing 16. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the window terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in FIG. 15 is called "server" for convenience, and the information registration is performed in the window terminal. The ordering company customer information, the ordering company customer information, and the agreement conclusion consent information transmitted to the server 1500 are referred to as "order credit agreement information" for convenience.

Referring to FIG. 16, the teller terminal shown in FIG. 15 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the order credit agreement information, and the order for the order credit. When requesting credit agreement information registration (1600), the server generates (or extracts) a predetermined information registration interface for registering the purchase order credit agreement information (1605), and generates (or extracts) through the communication channel. The transmitted information registration interface is transmitted to the terminal and output (1610).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) purchase order credit agreement information including at least one of the ordering company customer information, the ordering company customer information, and the contract agreement information. It is preferable to comprise a.

Thereafter, the terminal inputs (or selects) order credit agreement information including at least one contractor customer information, a client company information, and a contract agreement information through the information registration interface (1615).

If the terminal receives (or selects) order credit agreement information including the ordering company customer information, the ordering company customer information, and the contract agreement information through the information registration interface (1620), the terminal establishes the financial network. The purchase order credit agreement information including the inputted (or selected) ordering company customer information, ordering company customer information, and contract agreement information is transmitted to the server (1625).

Thereafter, the server receives and reads the ordering company customer information, the ordering company customer information, and the agreement conclusion agreement information through the financial network to confirm the validity of the order credit agreement information (1630).

According to the method of the present invention, at least one or more ledger information matching the purchase order credit agreement information is registered in the ledger D / B on the financial system associated with the agreement information registration system. It is preferable to include checking whether there is.

For example, the validity confirmation of the order credit agreement information may be performed to check whether the ordering company customer information included in the order credit agreement information matches the customer ledger stored in the ledger D / B on the financial system linked with the agreement information registration system. It is preferable to include what is included.

In addition, the validity of the order credit agreement information is confirmed whether the account information of the client company included in the order credit agreement information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include checking.

If the validity of the purchase order loan agreement information is not authenticated (1635), the server generates predetermined information registration error information and transmits it to the terminal (1640), and performs an information registration procedure corresponding to the order loan agreement information. Do not perform.

On the other hand, if the validity of the order credit agreement information is authenticated (1635), the server performs the information registration procedure corresponding to the order credit agreement information, thereby obtaining the client company information, ordering company customer information, agreement agreement information In operation 1645, the data is stored in a predetermined storage medium 1530.

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

According to another exemplary embodiment of the present invention, the storage medium 1530 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the agreement information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1650), thereby completing the procedure of registering the purchase order credit agreement information transmitted from the terminal.

17 is a diagram illustrating an ordering information relay system for registering and relaying predetermined delivery or construction ordering information according to another embodiment of the present invention.

In more detail, Figure 17 shows an order to register the credit agreement information to support the credit required for the production and operation activities of the customer of the contracting company to enter a predetermined delivery contract through the information registration system shown in Figure 1 or 6 A company's customer number (or unique code), ordering customer's information, ordering customer's information, and ordering object for the specified delivery or construction order registration and relaying to the ordering information relay system through a predetermined information registration interface. If the electronic order information including at least one of information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, late payment, etc.) is provided, the order information relay system The order number included in the order number (or unique code), customer information of the customer, order customer information, order Stock information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) is stored in a predetermined storage medium (1740) and the customer of the contractor to the electronic order information A system configuration for transmitting to a financial institution server 1735 (for example, a loan processing server, etc.) applying for a predetermined loan, and a person skilled in the art to which the present invention pertains, FIG. By referring to or modifying it can be inferred various implementation methods for the configuration of the ordering information relay system for the registration and relaying of the predetermined delivery or construction order information, the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Hereinafter, the electronic purchase order information provided from the customer of the ordering company is stored in the storage medium 1740 through a predetermined information registration interface on the order information relay system shown in FIG. 17, and the electronic order information is stored in the predetermined financial information. Components corresponding to at least one or more means or functional configurations for transmission to the engine server 1735 are referred to as " ordering information relay server 1700 " for convenience.

According to an embodiment of the present invention, the ordering information relay system may be provided in the ordering company, in a predetermined financial institution, or on a predetermined network linked to the ordering company and the financial institution. It is done.

Referring to FIG. 17 according to an embodiment of the present invention, the order information relay system for registering and relaying predetermined delivery or construction order information includes a client including at least one wired terminal or a wireless terminal used by a client company. And an ordering information registration terminal including at least one terminal, and the like. The ordering information registration terminal includes a purchase order information relay server 1700 provided on the ordering information relay system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the ordering information relay system is configured to further include a financial institution server 1735 for receiving and storing electronic order information registered by the ordering customer from the ordering information relay server 1700. can do.

According to an embodiment of the present invention, the client company is connected to the ordering information relay server 1700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And input (or select) electronic order information for registering and relaying the predetermined delivery or construction order information through at least one user interface provided by the ordering information relay server 1700, It is preferable to transmit to the ordering information relay server 1700 provided on the ordering information relay system through a network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the client terminal and the ordering information relay server 1700 may be based on a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or DataTAC / Mobitex based on a wireless communication network type to which the client terminal is connected. Any one of the wireless data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the ordering information relay server 1700, and inputs or selects at least one or more information through the user interface to the ordering information relay server 1700. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the ordering information relay server 1700) is provided.

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

In the order information relay system, a client terminal including at least one wired terminal or a wireless terminal used by the client company, and at least one wired line connecting the client terminal and the ordering information relay server 1700. The communication network or the wireless communication network performs a function of an information registration interface for the customer to register the electronic order information for registration and relaying of the predetermined delivery or construction order information.

According to another embodiment of the present invention, the ordering information registration terminal, in addition to the client terminal, a predetermined call connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the ordering information relay system as described above, when the ordering information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the ordering information relay server 1700 The wired telephone network or the wireless telephone network that connects the service provider performs a function of an information registration interface for registering the electronic order information for the customer of the ordering company to register and relay the predetermined delivery or construction order information, or the ordering information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the ordering information relay server The network connecting 1700 is information for the client company to register the electronic order information for registration and relaying the predetermined delivery or construction order information It performs the function of the lock interface.

The storage medium 1730 provided on the ordering information relay system according to the present invention includes the purchase order unique number (or unique code) included in the electronic order information provided from the ordering information registration terminal, customer information of the ordering company, and ordering. It is characterized by storing the customer customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, late payment, etc.) in a predetermined storage medium (1730) The unique number (or unique code) of the purchase order stored in the storage medium 1730, the customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information ( Electronic ordering information including at least one of packaging, delayed payment, etc.) is used to register and relay the predetermined delivery or construction ordering information.

The purchase order unique number (or unique code) is a serial number for distinguishing (or identifying) the electronic order provided by the customer of the ordering company, which is composed of numbers, or a combination of numbers and letters, or numbers and letters. And a combination of symbols.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, industry, It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of a person in charge.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

In the case of the delivery contract, the order object information may include at least one item, specification, quantity, unit price, amount, and the like.

The delivery date information is preferably made, including the date of delivery, or the date of completion of the construction according to the contract.

Preferably, the delivery place information includes a place where the delivery is made.

The delivery condition information preferably includes a delivery method (eg, whole quantity delivery, partial delivery, etc.) for the goods to be delivered at the time of delivery.

Preferably, the inspection information includes inspection criteria, inspection procedures, and the like, for the goods to be delivered.

According to an exemplary embodiment of the present invention, the electronic order information may be configured to further include delivery contract information concluded between the client company and the client company.

According to an embodiment of the present invention, the storage medium 1730 is provided on the ordering information relay system or on an information registration system linked to the ordering information relay system or linked to the ordering information relay system. It is preferable that the DBMS on the financial system is provided, and the present invention is not limited thereto.

The ordering information relay server 1700 provided on the ordering information relay system according to the present invention is a generic term for the ordering information relay system side component connected to the ordering information registration terminal through a predetermined network means. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the ordering information relay server 1700 may include an interface unit 1705 for connecting and managing the ordering information registration terminal and a predetermined communication channel through the network means. .

According to an embodiment of the present invention, when the ordering information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1705 uses a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (for example, an electronic order registration program, etc.) provided by the ordering information relay server 1700, the interface unit 1705 is based on the TCP / IP protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the order information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the ordering information relay server 1700, the interface unit 1705 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the ordering information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1705 is a voice defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a communication protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 17, the ordering information relay server 1700 connects a communication channel with the ordering information relay server 1700 through a predetermined ordering information registration terminal through the interface unit 1705, and then, the interface unit ( An interface providing unit 1710 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined electronic order information from the ordering information registration terminal in connection with the ordering information registration terminal 1705. ), An information receiving unit 1715 for receiving predetermined electronic order information that is input (or selected) and transmitted from the ordering information registration terminal through the user interface in association with the interface unit 1705, and the received electronics. Order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information included in ordering information Information storage unit 1720 for storing information on delivery location information, delivery condition information, inspection information, and other information (packaging, delay, etc.) in a predetermined storage medium 1740, 1730, and the received electronic order form. And an information transmitting unit 1725 for transmitting the information to the financial institution server 1735 to which the client company and the client company have signed a credit agreement based on the ordering information.

The interface providing unit 1710 connects a communication channel with the ordering information relay server 1700 through the interface unit 1705 through a predetermined ordering information registration terminal, and then provides a functional configuration included in the ordering information registration terminal. Correspondingly, generate a predetermined user interface capable of inputting (or selecting) the electronic order information and transmitting it to the ordering information relay server 1700 via the network means, or extracting from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 1705 may be provided to the ordering information registration terminal through the network means.

Subsequently, the order information registration terminal is based on the user interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, ordering information, delivery date information, delivery place information, delivery condition information, inspection Input (or select) electronic order information including at least one of information and other information (packaging, delay, etc.), and transmit the input (or selected) order information through the network means to the order information relay server ( 1700).

According to an embodiment of the present invention, when the order information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 1710 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another embodiment of the present invention, when the ordering information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1710 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the ordering information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 1710 is provided to the call terminal (not shown). Produces (or extracts) a predetermined user interface, and provides the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1705. It is preferable.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the electronic order information to the ordering information registration terminal and transmitting the order information to the relaying server 1700 via the network means. If the information registration program is provided, the interface providing unit 1710 for providing the user interface to the ordering information registration terminal may be omitted, thereby not limited to the present invention.

The information receiving unit 1715 is a unique order number (or unique code), ordering company customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery conditions through the user interface in the order information registration terminal When an electronic order information including at least one of information, inspection information, and other information (packaging, delay, etc.) is input (or selected) and transmitted through the network means, the electronic order in cooperation with the interface unit 1705 is provided. And receiving the information, and providing the received electronic order information to the information storage unit 1720 and the information transmission unit 1725.

The information storage unit 1720 is a unique order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection included in the electronic order information Information and other information (packaging, delayed prize, etc.) are stored in the storage medium 1730 by linking the storage medium 1730, wherein the storage medium 1730 is provided in the ordering information relay server 1700, or the ordering When provided on the network associated with the information relay server 1700, the information storage unit 1720 is a purchase order unique number (or unique code) included in the received electronic order information, the customer information of the ordering company, the client company customer Information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, other information (packaging, delay, etc.) is preferably stored in the storage medium (1730). .

The information transmitting unit 1725 may receive the electronic order information received through the information receiving unit 1715 or the electronic order information stored in the storage medium 1730 through the information storage unit 1720. It is characterized in that the customer is sent in real time or periodically to the financial institution server 1735 with a credit agreement based on the order information.

Referring to FIG. 17, the financial institution server 1735 may receive information on an electronic order information provided (or registered) provided by a customer of an ordering company transmitted from a purchase order information relay server 1700 by a predetermined order information registration terminal. A receiving unit 1740, a validity checking unit 1745 for checking the validity of the received electronic order information, and an information storage unit 1750 for storing the validated electronic order information in a predetermined storage medium 1740. It characterized by comprising a.

The information receiving unit 1740 is a unique order number (or unique code) transmitted from the ordering information relay server 1700 through a predetermined network means, ordering company customer information, ordering company customer information, ordering object information, delivery date information, And receiving electronic order information including at least one of delivery location information, delivery condition information, inspection information, and other information (packaging, late payment, etc.), and verifying the received electronic order information in the validity checking unit 1745. To provide.

The validity confirming unit 1745 is configured to check whether the electronic order information received from the ordering information relay server 1700 satisfies the validity for the ordering credit of the ordering company.

According to the method of the present invention, at least one or more ledger information matching the electronic order information is registered in the ledger D / B on the financial system associated with the financial institution server 1735 to confirm the validity of the electronic order information. It is preferable to include checking whether there is.

For example, the validity check on the electronic order information may include checking whether the client company information included in the electronic order information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity check of the electronic order information is to check whether the account information of the client customer included in the electronic order information is matched with the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include what is included.

In addition, the validity check of the electronic order information is preferably made to check whether the customer information of the contractor included in the electronic order information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity check of the electronic order information is to check whether the account information of the client company customer included in the electronic order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to include what is included.

In addition, the validity of the electronic order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the order information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that the client is a contracted customer for corporate credit support.

In addition, the validity of the electronic order information is confirmed by the contractor customer corresponding to the contractor customer information included in the electronic order information of the client company customer through the agreement information registration system shown in FIG. It is preferable to include whether the customer signing a contract for the application for credit support using the order information.

When the validity of the electronic order information is confirmed, the information storage unit 1750 is a unique order number (or unique code) contained in the electronic order information, ordering company customer information, ordering company customer information, ordering object information, Delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delays, etc.) is characterized in that stored in the storage medium 1740, the storage medium 1740 is the financial When provided in the institution server 1735 or on the network associated with the financial institution server 1735, the information storage unit 1750 is a unique order number (or unique code) included in the received electronic order information ), The customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packaging, late payment, etc.) The storage medium 1740 is preferably stored in the storage medium 1740, when the storage medium 1740 is provided in a DBMS provided on the financial system, the information storage unit 1750 is unique to the order included in the received electronic order information The number (or unique code), customer information of the ordering company, customer information of the ordering company, object information of the ordering company, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

18 is a diagram illustrating a process of registering and relaying predetermined delivery or construction ordering information according to one embodiment of the present invention.

In more detail, FIG. 18 illustrates a case in which the ordering information relay server 1700 on the ordering information relay system shown in FIG. 17 has a web server function to which an ordering information registration terminal can be connected through a predetermined network means. The order information registration terminal accesses the order information relay server 1700 and connects a communication channel for registering electronic order information according to the present invention, and then uniquely orders the order to the order information relay server 1700 through the communication channel. The electronic order form including the number (or unique code), the customer's customer information, the customer's customer information, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packaging, late payment, etc.) When the information is transmitted, the purchase order unique number (or unique code) included in the received electronic order information from the ordering information relay server 1700, the ordering company Customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) are processed and stored in a predetermined storage medium (1740), In addition, the method for transmitting the electronic order information to the financial institution server 1735, the client company and the client company customer has signed a credit agreement based on the order information, which is usually in the technical field If the person who has the knowledge of the present invention, with reference to or modify this figure 18 registers the electronic order information from the client terminal to the ordering information relay server 1700, and the registered electronic order information to the financial institution server (1735) Although various embodiments of the present invention may be inferred, the present invention includes all of the embodiments of the inferred embodiments, which are illustrated in FIG. It shall not be limited by law.

Hereinafter, in FIG. 18, the ordering information registration terminal shown in FIG. 17 is called "terminal" for convenience, and the ordering information relay server 1700 shown in FIG. 17 is called "server" for convenience, and the ordering information is registered. The order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information transmitted from the terminal to the ordering information relay server 1700 And other information (packaging, late payment, etc.) are referred to as "electronic order information" for convenience.

Referring to FIG. 18, when the ordering information registration terminal shown in FIG. 17 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA The mobile communication network or the IEEE 802.16x-based mobile Internet, etc.) to connect to the server, connect a predetermined communication channel for registering the electronic order information, and register and relay the predetermined delivery or construction order information. When requesting electronic order information registration (1800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the electronic order information (1805), and generates the webpage through the communication channel ( Alternatively, the extracted webpage is transmitted to the terminal and output (1810).

According to the implementation method of the present invention, the information registration interface is the order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information And a user interface for inputting (or selecting) electronic order information including at least one of inspection information and other information (packaging, delay, etc.).

In addition, the web page transmission or output process is preferably performed at least one or more times according to the electronic order information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal provides at least one order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and the like through the information registration interface. Input (or select) electronic order information including other information (packaging, late payment, etc.) (1815).

If the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, other information When electronic order information including (packaging, late payment, etc.) is input (or selected) (1820), the terminal receives the unique order (or unique code) of the order (or unique code) entered through the communication channel. Customer information, ordering company customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) are transmitted to the server (1825).

According to the method of the present invention, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, the delivery date information, delivery place information, Transmitting delivery condition information, inspection information, and other information (packaging, delay, etc.) to the server, the electronic order information input (or selected) through the information registration interface is electronically transmitted through a security module provided in the terminal. Signing or encrypting may further comprise transmitting to the server.

Thereafter, the server transmits the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, the delivery date information, the delivery location information, the delivery condition information, the inspection information, and other information through the communication channel. (Packaging, delay, etc.) is received (1830).

According to an embodiment of the present invention, in the process of receiving the electronic order information, the server decrypts the electronic order information when the electronic order information is electronically signed or encrypted through a security module provided in the terminal, Alternatively, the method may further include decoding the electronic order information.

In addition, the server performs an information registration procedure corresponding to the electronic order information, the order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, The delivery condition information, the inspection information, and other information (packaging, delayed payment, etc.) are interworked and stored in the predetermined storage medium 1740 (1835).

According to an embodiment of the present invention, the storage medium 1740 is provided on the ordering information relay system, or on an information registration system linked to the ordering information relay system, or the ordering information relay system; It is preferable that the present invention is provided on a predetermined financial system to be linked thereto, and the present invention is not limited thereto.

In addition, the server generates a web page including the predetermined information registration history information and transmits it to the terminal (1840), and the credit card that the customer and the client company customer based on the ordering information to the customer ordering company information The transaction is transmitted to the financial institution server 1735 with the agreement (1845).

If the electronic order information is received from the server, the financial institution server 1735 authenticates the validity of the received electronic order information, where the financial institution server 1735 is the order information relay server 1700. E) the order information received from) is characterized by checking whether the validity for the order credit of the ordering company.

According to the method of the present invention, at least one or more ledger information matching the electronic order information is registered in the ledger D / B on the financial system associated with the financial institution server 1735 to confirm the validity of the electronic order information. It is preferable to include checking whether there is.

For example, the validity check on the electronic order information may include checking whether the client company information included in the electronic order information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity check of the electronic order information is to check whether the account information of the client customer included in the electronic order information is matched with the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to include what is included.

In addition, the validity confirmation of the electronic order information is preferably made to check whether the customer information of the contractor included in the electronic order information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity check of the electronic order information confirms whether the account information of the client company included in the electronic order information matches the account ledger stored in the ledger D / B on the financial system linked to the contract information registration system. It is preferable that it consists of including.

In addition, the validity of the electronic order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the order information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that the client is a contracted customer for corporate credit support.

In addition, the validity of the electronic order information is confirmed by the contractor customer corresponding to the contractor customer information included in the electronic order information of the client company customer through the agreement information registration system shown in FIG. It is preferable to include whether the customer signing a contract for the application for credit support using the order information.

If the validity of the electronic order information is not confirmed (1850), the financial institution server 1735 generates (or extracts) the electronic order information registration error information and transmits it to the server (1855). When the validity of the electronic order information is confirmed (1850), the financial institution server 1735 processes the electronic order information in association with the client company information and the client company information to a predetermined storage medium 1740. Save (1860).

19 is a diagram illustrating an order-based order information registration system for a predetermined delivery or construction order information registration according to an embodiment of the present invention.

In more detail, Figure 19 shows a customer's order number (or unique code), customer's customer information, for a given customer's ordering information registration system to the customer's order information registration system through a predetermined information registration interface. If ordering information including at least one or more of the customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is provided, the order information registration system The purchase order unique number (or unique code), ordering customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packing, A system configuration for linking and processing delayed prize money, etc., to be stored in a predetermined storage medium 1930, and to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for the construction of the ordering information registration system for predetermined delivery or construction order registration information by referring to or modifying the drawing 19. However, the present invention provides the above analogy. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, elements corresponding to at least one or more means or functional configuration for storing order information provided from the customer on the storage medium 1930 through a predetermined information registration interface on the order information registration system shown in FIG. 19. For convenience, it is referred to as a "financial institution server 1900".

Referring to this drawing 19 according to the embodiment of the present invention, the order information registration system for registering the predetermined delivery or construction order information includes a teller terminal provided in at least one branch (or head office or branch) of the financial institution Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the financial institution server 1900 provided on the order information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the client company visits the financial institution branch (or the main office or a branch) for the predetermined delivery or construction order registration information, and visits the financial institution branch (or the main branch or the branch). There is a form for filling in at least one information item for registering a predetermined delivery or construction order information (for example, through a clerk) (or through a clerk). Completed document), and the completed application is submitted to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal enters (or selects) the information. ) Is transmitted to the financial institution server 1900 provided on the ordering information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch (or the main office or a branch) of the financial institution, and the financial institution server 1900 connected to the teller terminal is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the financial institution server (1900) is a branch network connecting the communication channel between the teller terminal and the financial institution server (1900) It is preferable to comprise a.

In the order information registration system as described above, an application created by the client company customer, a window terminal used by the teller employee and a financial network connecting the teller terminal and the financial institution server 1900 may be used by the client company customer. It performs a function of an information registration interface for registering order information for the predetermined delivery or construction order information registration.

The storage medium 1930 provided on the order information registration system according to the present invention includes the order number (or unique code) included in the order information provided from the information registration terminal, a customer company information, and a customer company. Information, order object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) by processing in conjunction with the predetermined storage medium 1930, characterized in that the storage The order number (or unique code) stored in the medium 1930, the customer information of the ordering company, the customer information of the ordering company, the object information of the order, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packing, Order information including at least one or more delayed prize money) is used to register the predetermined delivery or construction order information.

The purchase order unique number (or unique code) is a serial number for distinguishing (or identifying) the electronic order provided by the customer of the ordering company, which is composed of numbers, or a combination of numbers and letters, or numbers and letters. And a combination of symbols.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, industry, It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of a person in charge.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

In the case of the delivery contract, the order object information may include at least one item, specification, quantity, unit price, amount, and the like.

The delivery date information is preferably made, including the date of delivery, or the date of completion of the construction according to the contract.

Preferably, the delivery place information includes a place where the delivery is made.

The delivery condition information preferably includes a delivery method (eg, whole quantity delivery, partial delivery, etc.) for the goods to be delivered at the time of delivery.

Preferably, the inspection information includes inspection criteria, inspection procedures, and the like, for the goods to be delivered.

According to an embodiment of the present invention, the storage medium 1930 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 1930 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1930 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 1900 provided on the order information registration system according to the present invention is a generic term for the order information registration system-side components connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the financial institution server 1900 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial institution server 1900 may include an interface unit 1905 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1905 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 19, the financial institution server 1900 connects a communication channel with the financial institution server 1900 through the interface unit 1905 through a predetermined information registration terminal, and then connects with the interface unit 1905. An interface providing unit 1910 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined order information from the information registration terminal to the information registration terminal in association with the interface unit; An information receiving unit 1915 for receiving predetermined ordering information inputted (or selected) and transmitted from the information registration terminal through the user interface in cooperation with 1905, and validity of confirming validity of the received ordering information Confirmation unit 1920, the unique number (or unique code) of the order included in the order information confirmed validity, customer information of the ordering company, customer information of the contractor, An information storage unit 1925 for processing the target object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delay, etc.) in a predetermined storage medium 1930, Characterized in that made.

The interface providing unit 1910 connects a communication channel with the financial institution server 1900 through the interface unit 1905 through the interface unit 1905, and then corresponds to a functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) order information and transmitting it to the financial institution server 1900 through the financial network, or extracting from a predetermined database (not shown), and the interface unit 1905. And the user interface generated (or extracted) to the information registration terminal through the financial network.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the ordering information to the information registration terminal and transmitting the order information to the financial institution server 1900 through the financial network. When the program is provided, the interface providing unit 1910 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal is based on the user interface, the order number (or unique code), ordering customer information, ordering customer information, ordering information, delivery date information, delivery place information, delivery condition information, inspection Input (or select) ordering information including at least one of information and other information (packing, delay, etc.), and transmit the input (or selected) ordering information to the financial institution server 1900 through the financial network. send.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1910 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1905.

The information receiving unit 1915 is a unique order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information through the user interface in the information registration terminal Inputting (or selecting) ordering information including at least one of inspection information and other information (packing, delay, etc.) and transmitting the ordering information through the financial network to receive the ordering information in connection with the interface unit 1905. The received ordering information is provided to the validity confirming unit 1920.

The validity confirming unit 1920 checks whether the electronic order information received from the information registration terminal satisfies the validity for the order book credit of the contractor.

According to the method of the present invention, the validity of the order information is determined whether at least one ledger information matching the electronic order information is registered in the ledger D / B on the financial system linked to the financial institution server (1900) It is preferable to include checking.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

When the validity of the ordering information is confirmed, the information storage unit 1925 is a unique order number (or unique code) included in the ordering information, ordering company customer information, ordering company customer information, ordering object information, delivery date information, Delivery location information, delivery condition information, inspection information, and other information (packaging, delays, etc.) is characterized in that the storage medium 1930 is stored in the storage medium 1930, the storage medium 1930 is the financial institution server ( 1900, or when provided on a network associated with the financial institution server 1900, the information storage unit 1925 is an order number included in the received order information (or unique code), the ordering company Customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) are processed and stored in the storage medium (1930). Preferably, when the storage medium 1930 is provided in a DBMS provided on a financial system, the information storage unit 1925 is an order number (or unique code), ordering included in the received order information Provides corporate customer information, contractor customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) to the information system through the external system of the financial system. It is desirable to store in a DBMS provided on the system.

20 is a diagram illustrating a process of registering order information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates a case where the financial institution server 1900 on the order information registration system shown in FIG. 19 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network. In the above, the teller terminal accesses the financial institution server 1900 and connects a communication channel for registering order information according to the present invention, and then sends the order number to the financial institution server 1900 through the communication channel. (Or a unique code), the customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packaging, late payment, etc.) When sent, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information included in the received ordering information in the financial institution server (1900) The present invention relates to an implementation method for linking processing information on a delivery date, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed prize money, etc.) to a predetermined storage medium 1930. If one of ordinary skill in the art, it will be able to infer various implementation methods for registering the order information to the financial institution server 1900 in the teller terminal by referring to or modifying this figure 20, the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 20, the window terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the financial institution server 1900 shown in FIG. 19 is referred to as "server" for convenience, and the financial institution in the window terminal. Order number (or unique code), ordering company customer information, ordering customer information, order object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packing, Delays, etc.) are called "ordering information" for convenience.

Referring to FIG. 20, the window terminal shown in FIG. 19 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the order information, and registers the predetermined delivery or construction order information. When requesting registration of the order information for the request (2000), the server generates (or extracts) a predetermined information registration interface for registering the order information (2005), and generates (or extracts) through the communication channel. The information registration interface is transmitted to the terminal for output (2010).

According to the implementation method of the present invention, the information registration interface is the order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information And a user interface for inputting (or selecting) ordering information including at least one of inspection information and other information (packing, delay, etc.).

Thereafter, the terminal provides at least one order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and the like through the information registration interface. Enter (or select) ordering information including other information (packaging, delays, etc.) (2015).

If the terminal through the information registration interface, the order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, etc. When ordering information including information (packaging, delayed payment, etc.) is input (or selected) (2020), the terminal receives the order number (or unique code) uniquely inputted (or selected) through the financial network. Ordering information including customer information, ordering company customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) is transmitted to the server (2025).

Thereafter, the server transmits the order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information through the financial network. Receiving and reading (packaging, delayed prize, etc.) confirms the validity of the ordering information (2030).

According to an embodiment of the present invention, the validity check of the ordering information is confirmed whether at least one ledger information matching the ordering information is registered in the ledger D / B on the financial system linked to the financial institution server 1900. It is preferable that it consists of including.

For example, the validity check of the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

If the validity of the ordering information is not authenticated (2035), the server generates predetermined information registration error information and transmits it to the terminal (2040), and does not perform an information registration procedure corresponding to the ordering information.

On the other hand, if the validity of the ordering information is authenticated (2035), the server performs the information registration procedure corresponding to the ordering information, the order number (or unique code), the ordering company customer information, the ordering company customer information, The order object information, the delivery date information, the delivery location information, the delivery condition information, the inspection information, and other information (packaging, late payment, etc.) are processed in association with each other and stored in the predetermined storage medium 1930 (2045).

According to an embodiment of the present invention, the storage medium 1930 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 1930 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1930 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2050), thereby completing the procedure of registering the order information transmitted from the terminal.

21 is a diagram illustrating a non-face-to-face order information registration system for predetermined delivery or construction order information registration according to another embodiment of the present invention.

In more detail, Figure 21 shows a customer's order number (or unique code), customer's customer information, If ordering information including at least one or more of the customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is provided, the order information registration system The purchase order unique number (or unique code), ordering customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packing, Delayed prize, etc.) and the system configuration for storing in a predetermined storage medium 2130, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for the order information registration system configuration for predetermined delivery or construction order registration information by referring to or modifying the drawing 21. However, the present invention provides the above analogy. The present invention includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing order information provided from the customer on the storage medium 2130 through a predetermined information registration interface on the order information registration system shown in FIG. 21. For convenience, it is referred to as "financial institution server 2100".

Referring to this figure 21 according to the embodiment of the present invention, the order information registration system for registering the predetermined delivery or construction order information, the client terminal including at least one or more of a wired terminal or a wireless terminal used by the customer at least Characterized in that it comprises one or more information registration terminal, the information registration terminal is connected to the communication channel and the financial institution server 2100 provided on the order information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the financial institution server 2100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial When the order information for the predetermined delivery or construction order registration information is input (or selected) through at least one user interface provided by the engine server 2100, the client terminal registers the order information through predetermined network means. It is preferable to transmit to the financial institution server 2100 provided on the system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the financial institution server 2100 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the financial institution server 2100 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

The client terminal may output at least one user interface provided by the financial institution server 2100, input or select at least one information through the user interface, and transmit the same to the financial institution server 2100. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the financial institution server 2100) is provided.

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

In the order information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the financial institution server 2100. The communication network performs a function of an information registration interface for registering the order information for the customer to register the predetermined delivery or construction order information.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the order information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the financial institution server 2100. The wired telephone network or the wireless telephone network performs a function of an information registration interface for the customer to register order information for the predetermined delivery or construction order information registration, or to an institution affiliated with the financial institution that is the information registration terminal. If the terminal (or server) (not shown) provided, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 2100 is the customer The function of the information registration interface for registering the ordering information for the predetermined delivery or construction ordering information registration.

The storage medium 2130 provided on the order information registration system according to the present invention includes the order number (or unique code) included in the order information provided from the information registration terminal, ordering company customer information, and ordering company customer. Information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is stored in a predetermined storage medium 2130, characterized in that the storage The purchase order unique number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, delay) stored in the medium 2130 Ordering information including at least one prize, etc.) is used to register the predetermined delivery or construction ordering information.

The purchase order unique number (or unique code) is a serial number for distinguishing (or identifying) the electronic order provided by the customer of the ordering company, which is composed of numbers, or a combination of numbers and letters, or numbers and letters. And a combination of symbols.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, industry, It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of a person in charge.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), contact information, contact person, person in charge, at least one or more.

In the case of the delivery contract, the order object information may include at least one item, specification, quantity, unit price, amount, and the like.

The delivery date information is preferably made, including the date of delivery, or the date of completion of the construction according to the contract.

Preferably, the delivery place information includes a place where the delivery is made.

The delivery condition information preferably includes a delivery method (eg, whole quantity delivery, partial delivery, etc.) for the goods to be delivered at the time of delivery.

Preferably, the inspection information includes inspection criteria, inspection procedures, and the like, for the goods to be delivered.

According to an exemplary embodiment of the present invention, the storage medium 2130 may be provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 2130 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2130 may include an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 2100 provided on the order information registration system according to the present invention is a generic term for the order information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 2100 may be configured as the Internet banking system. A predetermined Internet banking server provided on the program, a program provided in the Internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 2100 may be configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 2100 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined access to the external system of the financial system through the telebanking system. A server (or device) that is a server (or device), a program included in the server (or device), or an external device on the financial system accessible through the telebanking server (or the server (or device)). Or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the financial institution server 2100 may include an interface unit 2105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2105 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 2100, the interface unit 2105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 2100, the interface unit 2105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

Referring to FIG. 21, the financial institution server 2100 connects a communication channel with the financial institution server 2100 through the interface unit 2105 and then connects with the interface unit 2105. An interface providing unit 2110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined order information from the information registration terminal to the information registration terminal in association with the interface unit; An information receiving unit 2115 for receiving predetermined ordering information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with 2105; and the unique order number included in the received ordering information. (Or unique code), customer information of ordering company, customer information of ordering company, object of order information, delivery date information, delivery place information, delivery condition information, inspection information, other information And an information storage unit 2125 for linking (packaging, delayed prize money, etc.) and storing the result in a predetermined storage medium 2130.

The interface providing unit 2110 connects a communication channel with the financial institution server 2100 through the interface unit 2105 and then corresponds to a functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) order information and transmitting it to the financial institution server 2100 via the network means, or extracting from a predetermined database (not shown), and the interface unit 2105. And the user interface generated (or extracted) to the information registration terminal through the network means.

Subsequently, the information registration terminal is based on the user interface, the order number (or unique code), ordering customer information, ordering customer information, ordering information, delivery date information, delivery place information, delivery condition information, inspection information And input (or select) ordering information including at least one of other information (packaging, delay, etc.), and transmit the input (or selected) ordering information to the financial institution server 2100 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 2110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2110 may use a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 2110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 2105. desirable.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the ordering information to the information registration terminal and transmitting the order information to the financial institution server 2100 through the network means. When the program is provided, the interface providing unit 2110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 2115 is an order registration number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information through the user interface in the information registration terminal Inputting (or selecting) ordering information including at least one of inspection information and other information (packaging, delay, etc.) and transmitting the ordering information through the network means to receive the ordering information in conjunction with the interface unit 2105. The received ordering information is provided to the validity confirming unit 2120.

The validity confirming unit 2120 is characterized by checking whether the ordering information received from the information registration terminal satisfies the validity for the predetermined delivery or construction order registration information registration.

According to an embodiment of the present invention, the validity confirmation of the ordering information is confirmed whether at least one ledger information matching the ordering information is registered in the ledger D / B on the financial system linked to the financial institution server 2100. It is preferable that it consists of including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made to include whether the customer signed an agreement for credit support application.

When the validity of the ordering information is confirmed, the information storage unit 2125 may include a unique order number (or unique code) included in the ordering information, ordering company customer information, ordering company customer information, ordering object information, delivery date information, Delivery location information, delivery condition information, inspection information, and other information (packaging, delays, etc.) is stored in the storage medium 2130, characterized in that the storage medium 2130 is the financial institution server ( 2100, or when provided on the network associated with the financial institution server 2100, the information storage unit 2125 is a unique order number (or unique code) included in the received order information, the ordering company Customer information, ordering company customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) are processed and stored in the storage medium 2130. Preferably, when the storage medium 2130 is provided in the DBMS provided on the financial system, the information storage unit 2125 is a unique order number (or unique code) included in the received order information, the ordering company Financial system by providing customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) to the information system through the external system on the financial system. It is preferable to store in the DBMS provided on the.

22 is a diagram illustrating a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to one embodiment of the present invention.

More specifically, FIG. 22 illustrates a case where the financial institution server 2100 on the order information registration system shown in FIG. 21 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial institution server 2100 and connecting a communication channel for registering order information according to the present invention, the purchase order unique number (or unique code), the order to the financial institution server 2100 through the communication channel When the order information including corporate customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) is transmitted, the financial institution server In 2100, the order number (or unique code) included in the received ordering information, ordering company customer information, ordering company customer information, ordering object information, The present invention relates to an implementation method of linking processing date information, delivery place information, delivery condition information, inspection information, and other information (packing, delay, etc.) in a predetermined storage medium 2130, and in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the ordering information from the client terminal to the financial institution server 2100 by referring to or modifying the drawing 22, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 22, the client terminal shown in FIG. 21 will be referred to as a "terminal" for convenience, and the financial institution server 2100 shown in FIG. 21 will be referred to as a "server" for convenience. Order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packing) sent to the institution server 2100 , Delayed prize money, etc.) is called "ordering information" for convenience.

Referring to Figure 22, the client terminal shown in Figure 21 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the order information by accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., and requesting registration of the order information for registering the predetermined delivery or construction order information. In operation 2200, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the order information (2205), and generates the generated (or extracted) web page through the communication channel. The data is transmitted to the terminal and output (2210).

According to the implementation method of the present invention, the information registration interface is the order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information And a user interface for inputting (or selecting) ordering information including at least one of inspection information and other information (packaging, delay, etc.).

In addition, the web page transmission or output process is preferably performed at least once according to the order information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal provides at least one order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and the like through the information registration interface. Ordering information including other information (packaging, delayed payment, etc.) is input (or selected) (2215).

If the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, other information When ordering information including (packing, delay, etc.) is inputted (or selected) (2220), the terminal receives the ordered unique number (or unique code) inputted through the communication channel (or unique code) Information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) are transmitted to the server (2225).

According to the method of the present invention, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, the delivery date information, delivery place information, Transmitting delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) to the server, the electronic signature through the security module provided in the terminal to the order information input (or selected) through the information registration interface Alternatively, the method may further include transmitting the encrypted data to the server.

Thereafter, the server transmits the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, the delivery date information, the delivery location information, the delivery condition information, the inspection information, and other information through the communication channel. Receiving and reading (packaging, delayed prize, etc.) confirms the validity of the ordering information (2230).

According to the method of the present invention, checking the validity of the ordering information, when the ordering information is electronically signed or encrypted through a security module provided in the terminal, decrypt the ordering information, or the ordering information Decoding may be further included.

According to an embodiment of the present invention, the validity confirmation of the ordering information is confirmed whether at least one ledger information matching the ordering information is registered in the ledger D / B on the financial system linked to the financial institution server 2100. It is preferable to achieve, including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

If the validity of the ordering information is not authenticated (2235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2240), and the information registration procedure corresponding to the ordering information. Do not do it.

On the other hand, if the validity of the ordering information is authenticated (2235), the server performs the information registration procedure corresponding to the ordering information, the order number (or unique code), ordering company customer information, ordering company customer information, Ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) is processed in conjunction with the predetermined storage medium 2130 and stored (2245).

According to an exemplary embodiment of the present invention, the storage medium 2130 may be provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 2130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2130 may include an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2250), thereby completing the procedure of registering the order information transmitted from the terminal.

23A and 23B illustrate a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to another exemplary embodiment of the present invention.

More specifically, FIGS. 23A and 23B illustrate a case in which the order information registration system illustrated in FIG. 21 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal sends the ordering information to the Internet banking server for predetermined ordering information for predetermined delivery or construction order registration information. The order, including the unique number (or unique code), customer information of the ordering company, customer information of the ordering company, order information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, late payment, etc.) When the information is transmitted, the order number included in the received order information from the financial institution server 2100 (or unique code) ), The customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packaging, delayed payment, etc.) In the embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to or modify the drawings 23a and 23b and the order information from the client terminal to the financial institution server 2100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 23a and 23b.

That is, when the browser program is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 23A and 23B, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering order information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, For registering order information between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 23b. sign Would be able to infer the exemplary method for connecting the net banking based financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 23a and 23b, in addition to the Internet banking system, a telebanking system or wireless Although another banking system such as a banking system or a TV banking system may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for order information registration, the present invention may provide a telebanking system or a wireless banking system or a TV banking system. It includes all types of non-face-to-face channel-based financial transactions, including the system or the proposed non-face-to-face channel banking system, and the technical configuration of the present invention is limited to the case of the Internet banking shown in FIGS. 23A and 23B. Never.

23A and 23B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server 2100 is referred to as " server " for convenience.

Referring to FIGS. 23A and 23B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2300a), the server communicates between the terminal and the server through the browser. (2305a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2310a).

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

If a predetermined security module is mounted or updated in the terminal (2315a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2320a.

If the terminal does not need to install or update the latest version of the Internet banking security module (2325a), or if the terminal does not need to load or update the Internet banking security module (2315a), the server is mounted on the terminal By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (2330a), and is referred to as a security channel for internet banking. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the electronic information is provided in the information (or data) to be provided to the server to register order information in the terminal. When the signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the digital signature or a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and attaches a predetermined digital signature to information (or data) to be provided to the server for registering order information from the terminal. Or at least one encryption method (or encryption) Communication by encrypting the data using an algorithm) and verifying the digital signature or decrypting the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2335a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (2340a). In operation 2345a, the server (or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2350a), the server blocks the Internet banking security channel for the terminal (2355a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2350a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (2360a), where the Internet banking based The financial transaction channel refers to a communication channel that can transmit and register predetermined ordering information for predetermined delivery or construction ordering information registration from the terminal to the server.

Thereafter, when the terminal requests internet banking-based ordering information registration to the server through the inter-banking-based financial transaction channel to register ordering information (2300b), the server registers a predetermined information registration interface for registering the ordering information. A web page corresponding to the webpage is generated (or extracted) (2305b), and the generated (or extracted) webpage is transmitted to the terminal through the internet banking-based financial transaction channel (2310b).

According to the implementation method of the present invention, the information registration interface is a unique number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, And an interface for inputting (or selecting) ordering information including at least one of inspection information and other information (packaging, delay, etc.), or the Internet requesting registration of the ordering information or the ordering information. In order to verify the validity of a banking customer, a predetermined password (e.g., account password) or security code (e.g., a security code printed on a security card issued to the customer during the internet banking application process) or one time password (OTP) ( For example, an OTP authenticator provided to a customer by a financial institution (or after applying for internet banking) (or It further comprises an interface for inputting the one-time password generated from an OTP authentication program)) is preferred.

In addition, the web page transmission or output process is preferably performed at least once according to the order information registration procedure, thereby the present invention is not limited.

Then, the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, other information (2315b) order information (or selection) including at least one of (packaging, delayed prize money, etc.) is input.

If the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, other information When ordering information including (packaging, delayed payment, etc.) is input (or selected) (2320b), the terminal transmits the inputted (or selected) ordering information to the server through the financial transaction channel (2325b). .

According to the method of the present invention, transmitting the order information (or selected) ordered information through the financial transaction channel to the server, the order information input (or selected) through the information registration interface is provided in the terminal It comprises the electronic signature or encryption through the secured module to be transmitted to the server.

Thereafter, the server receives and reads the order information through the financial transaction channel to check the validity of the order information (2330b).

According to the method of the present invention, checking the validity of the ordering information, when the ordering information is electronically signed or encrypted through a security module provided in the terminal, decrypt the ordering information, or the ordering information Decoding may be further included.

In addition, the validity check of the ordering information, it is preferable to further comprise authenticating a password or security code or OTP included in the ordering information.

According to an embodiment of the present invention, the validity confirmation of the ordering information is confirmed whether at least one ledger information matching the ordering information is registered in the ledger D / B on the financial system linked to the financial institution server 2100. It is preferable that it consists of including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

If the validity of the ordering information is not authenticated (2335b), the server generates a web page including predetermined ordering information registration error information and transmits it to the terminal (2340b), and registers the information corresponding to the ordering information. Do not perform the procedure.

On the other hand, if the validity of the ordering information is authenticated (2335b), the server performs an information registration procedure corresponding to the ordering information, so that the order number included in the ordering information (or unique code), ordering company customer information, Customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) are cooperatively stored in a predetermined storage medium 2130 (2345b).

According to an exemplary embodiment of the present invention, the storage medium 2130 may be provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 2130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2130 may include an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined order information registration history information and transmits the generated web page to the terminal (2350b), thereby completing the registration of the order information transmitted from the terminal.

24 is a diagram illustrating an order-based order information registration system for a predetermined delivery or construction order information registration according to an embodiment of the present invention.

In more detail, Figure 24 shows a purchaser's unique number (or unique code), customer's customer information, and the like for a given contractor's customer registration information to the order information registration system through a predetermined information registration interface. If ordering information including at least one or more of the customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is provided, the order information registration system The purchase order unique number (or unique code), ordering customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packing, A system configuration for linking and processing delayed prize money, etc., and storing the same in a predetermined storage medium 2430. Those skilled in the art will be able to infer various implementation methods for the construction of the order information registration system for predetermined delivery or construction order registration information by referring to or modifying the drawing 24. However, the present invention provides the above analogy. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing order information provided from the customer on the storage medium 2430 through a predetermined information registration interface on the order information registration system shown in FIG. 24. This is called the costume "financial institution server 2400".

Referring to this figure 24 according to the embodiment of the present invention, the order information registration system for registering the predetermined delivery or construction order information includes a teller terminal provided in at least one branch (or head office or branch) of the financial institution Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the financial institution server 2400 provided on the order information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or the main office or a branch) for registration of the predetermined delivery or construction order information, and is provided at the financial institution branch (or the main branch or the branch). A document with a form for filling in at least one item of information for a given delivery or construction order registration information (e.g., at a teller's office) When the completed application is submitted to the teller, the teller inputs (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal enters the input (or selects) It is preferable to transmit the information to the financial institution server 2400 provided on the order information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or head office or branch) of the financial institution, the financial institution server 2400 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the financial institution server 2400 is a branch network connecting the communication channel between the teller terminal and the financial institution server 2400 It is preferable to comprise a.

In the order information registration system as described above, the application form prepared by the client company, the teller terminal used by the teller employee and the financial network connecting the teller terminal and the financial institution server 2400, the customer is predetermined; Performs a function of an information registration interface for registering order information for delivery or registration of construction order information.

The storage medium 2430 provided on the order information registration system according to the present invention includes the order number (or unique code) included in the order information provided from the information registration terminal, a customer company information, and a customer company. Information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is stored in a predetermined storage medium 2430, the storage Order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delay) stored in medium 2430 Ordering information including at least one prize, etc.) is used to register the predetermined delivery or construction ordering information.

The purchase order unique number (or unique code) is a serial number for distinguishing (or identifying) the electronic order provided by the customer of the ordering company, which is composed of numbers, or a combination of numbers and letters, or numbers and letters. And a combination of symbols.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, industry, It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of a person in charge.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

In the case of the delivery contract, the order object information may include at least one item, specification, quantity, unit price, amount of money, and the like.

The delivery date information is preferably made, including the date of delivery, or the date of completion of the construction according to the contract.

Preferably, the delivery place information includes a place where the delivery is made.

The delivery condition information preferably includes a delivery method (eg, whole quantity delivery, partial delivery, etc.) for the goods to be delivered at the time of delivery.

Preferably, the inspection information includes inspection criteria, inspection procedures, and the like, for the goods to be delivered.

According to an embodiment of the present invention, the storage medium 2430 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 2430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 2400 provided on the order information registration system according to the present invention is a generic term for the order information registration system-side components connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the financial institution server 2400 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial institution server 2400 may include an interface unit 2405 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 2405 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 24, the financial institution server 2400 connects a communication channel with the financial institution server 2400 through the interface unit 2405, and then connects the communication unit 2405 with the interface unit 2405. An interface providing unit 2410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined order information from the information registration terminal to the information registration terminal in association with the interface unit; An information receiving unit 2415 that receives predetermined ordering information that is input (or selected) and transmitted from the information registration terminal through the user interface in association with 2405 and validity of confirming validity of the received ordering information; Confirmation unit 2420, the unique number (or unique code), the ordering company customer information, the ordering company customer information, the order included in the confirmed order information An information storage unit 2425 is provided for storing the target information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delay, etc.) in a predetermined storage medium 2430. Characterized in that made.

The interface providing unit 2410 connects a communication channel with the financial institution server 2400 through the interface unit 2405, and then corresponds to a functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) order information and transmitting it to the financial institution server 2400 through the financial network, or extracting from a predetermined database (not shown), and the interface unit 2405. And the user interface generated (or extracted) to the information registration terminal through the financial network.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the ordering information to the information registration terminal and transmitting the order information to the financial institution server 2400 through the financial network. When the program is provided, the interface providing unit 2410 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal is based on the user interface, the order number (or unique code), ordering customer information, ordering customer information, ordering information, delivery date information, delivery place information, delivery condition information, inspection information And input (or select) ordering information including at least one of other information (packaging, delay, etc.), and transmit the input (or selected) ordering information to the financial institution server 2400 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 2410 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 2405.

The information receiving unit 2415 is a unique order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information through the user interface in the information registration terminal Inputting (or selecting) ordering information including at least one of inspection information and other information (packaging, delay, etc.) and transmitting the ordering information through the financial network to receive the ordering information in connection with the interface unit 2405. The received ordering information is provided to the validity confirming unit 2420.

The validity confirming unit 2420 is characterized by checking whether the ordering information received from the information registration terminal satisfies the validity for the predetermined delivery or construction order registration information registration.

According to an embodiment of the present invention, the validity check of the order information confirms whether at least one ledger information matching the order information is registered in the ledger D / B on the financial system linked to the financial institution server 2400. It is preferable that it consists of including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

When the validity of the ordering information is confirmed, the information storage unit 2425 may include a unique order number (or unique code) included in the ordering information, ordering company customer information, ordering company customer information, ordering object information, delivery date information, Delivery location information, delivery condition information, inspection information, and other information (packaging, delays, etc.) is characterized in that the storage medium (2430) is stored in the storage medium (2430), the storage medium 2430 is the financial institution server When provided in the 2400 or on the network associated with the financial institution server 2400, the information storage unit 2425 is a unique order number (or unique code), the order included in the received order information Corporate customer information, contractor customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) are processed and stored in the storage medium 2430. Preferably, when the storage medium 2430 is provided in the DBMS provided on the financial system, the information storage unit 2425 is a unique order number (or unique code), the order included in the received order information Provides corporate customer information, contractor customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) to the information system through the external system of the financial system. It is desirable to store in a DBMS provided on the system.

25 is a diagram illustrating a process of registering order information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 25 illustrates a case where the financial institution server 2400 on the order information registration system shown in FIG. 24 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In the above, the teller terminal accesses the financial institution server 2400 and connects a communication channel for registering order information according to the present invention, and then sends the order number to the financial institution server 2400 through the communication channel. (Or a unique code), the customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packaging, late payment, etc.) When transmitted, the order number (or unique code), ordering company customer information, ordering company customer information, ordering object information included in the received ordering information in the financial institution server 2400 The present invention relates to an implementation method of linking processing date, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) to a predetermined storage medium 2430. If one of ordinary skill in the art, it will be able to infer various implementation methods for registering the ordering information to the financial institution server 2400 in the window terminal by referring to or modifying the present figure 25, the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in this figure 25, the teller terminal shown in FIG. 24 is called "terminal" for convenience, and the said financial institution server 2400 shown in FIG. 24 is called "server" for convenience, and the said financial institution in the said teller terminal Order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packing, Delays, etc.) are called "ordering information" for convenience.

Referring to FIG. 25, a window terminal shown in FIG. 24 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the order information, and registers the predetermined delivery or construction order information. When requesting registration of the order information for the request (2500), the server generates (or extracts) a predetermined information registration interface for registering the order information (2505), and generates (or extracts) through the communication channel. The information registration interface is transmitted to the terminal and output (2510).

According to the implementation method of the present invention, the information registration interface is the order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information And a user interface for inputting (or selecting) ordering information including at least one of inspection information and other information (packing, delay, etc.).

Thereafter, the terminal provides at least one order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and the like through the information registration interface. Ordering information including other information (packaging, delayed payment, etc.) is input (or selected) (2515).

If the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, etc. When ordering information including information (packaging, late payment, etc.) is input (or selected) (2520), the terminal receives the order number (or unique code) of the order (or unique code) entered through the financial network, Ordering information including customer information, ordering company customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) is transmitted to the server (2525).

Thereafter, the server transmits the order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information through the financial network. Receiving and reading (packaging, delayed prize, etc.) confirms the validity of the order information (2530).

According to an embodiment of the present invention, the validity check of the order information confirms whether at least one ledger information matching the order information is registered in the ledger D / B on the financial system linked to the financial institution server 2400. It is preferable that it consists of including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

If the validity of the ordering information is not authenticated (2535), the server generates predetermined information registration error information and transmits it to the terminal (2540), and does not perform an information registration procedure corresponding to the ordering information.

On the other hand, if the validity of the ordering information is authenticated (2535), the server performs the information registration procedure corresponding to the ordering information, the order number (or unique code), ordering company customer information, ordering company customer information, Ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) is processed in association with the predetermined storage medium (2430) and stored (2545).

According to an embodiment of the present invention, the storage medium 2430 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system). The storage medium 2430 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2550), thereby completing the procedure of registering the ordering information transmitted from the terminal.

FIG. 26 is a diagram illustrating a non-faceted order information registration system for predetermined delivery or construction order information registration according to another embodiment of the present invention.

In more detail, in Figure 26, a predetermined contractor customer receives a purchase order unique number (or unique code), ordering company customer information, for registering the predetermined delivery or construction ordering information to the ordering information registration system through a predetermined information registration interface. If ordering information including at least one or more of the customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is provided, the order information registration system The order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packing, The system configuration for linking and processing the delayed prize, etc., and storing it in a predetermined storage medium 2630. Those skilled in the art will be able to infer various implementation methods for the construction of the order information registration system for the predetermined delivery or construction order registration information by referring to or modifying the drawing 26, but the present invention infers the above. All the implementation methods are included, and are not limited to the implementation method shown in FIG.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing order information provided from the customer on the storage medium 2630 through a predetermined information registration interface on the order information registration system shown in FIG. 26. For convenience, it is referred to as a "financial institution server 2600".

Referring to FIG. 26 in accordance with an embodiment of the present invention, the order information registration system for registering the predetermined delivery or construction order information includes a client terminal including at least one wired terminal or a wireless terminal used by a client company. And an information registration terminal including at least one of the information registration terminals, and the information registration terminal is connected to a financial institution server 2600 provided on the order information registration system through a predetermined network means. .

According to an exemplary embodiment of the present invention, the contractor customer accesses the financial institution server 2600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, When ordering (or selecting) ordering information for registering the predetermined delivery or construction ordering information through at least one user interface provided by the financial institution server 2600, the client terminal receives the ordering through predetermined network means. It is preferable to transmit to the financial institution server 2600 provided on the information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the financial institution server 2600 connected to the client terminal may be one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the financial institution server 2600 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

The client terminal may output at least one user interface provided by the financial institution server 2600, input or select at least one information through the user interface, and transmit the same to the financial institution server 2600. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 2600) is provided.

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

In the order information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the client company, and at least one wired communication network connecting the client terminal and the financial institution server 2600. Alternatively, the wireless communication network performs a function of an information registration interface for registering the order information for the customer to register the predetermined delivery or construction order information.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the order information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the financial institution server 2600. The wired telephone network or the wireless telephone network performs a function of an information registration interface for registering the ordering information for the contractor customer to register the predetermined delivery or construction order information, or is affiliated with the financial institution that is the information registration terminal. When the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 2600 The contractor customer performs a function of an information registration interface for registering order information for the predetermined delivery or construction order information registration.

The storage medium 2630 provided on the order information registration system according to the present invention includes the order number (or unique code) included in the order information provided from the information registration terminal, ordering company customer information, and ordering company customer. Information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, delayed payment, etc.) is stored in a predetermined storage medium (2630) by linking processing The order number (or unique code) stored in the storage medium 2630, the customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the place of delivery information, the delivery condition information, the inspection information, and other information (packing, Order information including at least one or more delayed prize money) is used to register the predetermined delivery or construction order information.

The purchase order unique number (or unique code) is a serial number for distinguishing (or identifying) the electronic order provided by the customer of the ordering company, which is composed of numbers, or a combination of numbers and letters, or numbers and letters. And a combination of symbols.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, industry, It is preferable to include at least one or more of a company classification (for example, a large company / medium enterprise / small company or a public company / private enterprise), a contact number, a person in charge, and a person in charge of a person in charge.

The customer information of the contractor is the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the contractor who has made a predetermined supply contract with the client (e.g., large / medium / small business or public corporation). / Private enterprise, etc.), a contact number, a person in charge, a person in charge of the telephone number.

In the case of the delivery contract, the order object information may include at least one item, specification, quantity, unit price, amount, and the like.

The delivery date information is preferably made, including the date of delivery, or the date of completion of the construction according to the contract.

Preferably, the delivery place information includes a place where the delivery is made.

The delivery condition information preferably includes a delivery method (eg, whole quantity delivery, partial delivery, etc.) for the goods to be delivered at the time of delivery.

Preferably, the inspection information includes inspection criteria, inspection procedures, and the like, for the goods to be delivered.

According to one embodiment of the invention, the storage medium 2630 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system), wherein the The storage medium 2630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2630 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 2600 provided on the order information registration system according to the present invention is a generic term for the order information registration system side component connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 2600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 2600 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 2600 is configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial institution server 2600 is characterized by including an interface unit 2605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2605 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2605 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 2600, the interface unit 2605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2605 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 2600, the interface unit 2605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2605 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 26, the financial institution server 2600 connects a communication channel with the financial institution server 2600 through the interface unit 2605 and then connects the communication unit 2605 with the interface unit 2605. An interface providing unit 2610 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined order information from the information registration terminal to the information registration terminal in association with the interface unit; An information receiving unit 2615 that receives predetermined ordering information input (or selected) and transmitted from the information registration terminal through the user interface in association with 2605, and the unique order number included in the received ordering information; (Or unique code), customer information of ordering company, customer information of ordering company, object of order information, delivery date information, delivery place information, delivery condition information, inspection information, other information And an information storage unit 2625 for linking (packaging, delayed prize money, etc.) and storing the result in a predetermined storage medium 2630.

The interface providing unit 2610 may connect a communication channel with the financial institution server 2600 through the interface unit 2605 and then correspond to a functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) order information and transmitting it to the financial institution server 2600 through the network means, or extracting from a predetermined database (not shown), and the interface unit 2605. And the user interface generated (or extracted) to the information registration terminal through the network means.

Subsequently, the information registration terminal is based on the user interface, the order number (or unique code), ordering customer information, ordering customer information, ordering information, delivery date information, delivery place information, delivery condition information, inspection information And input (or select) ordering information including at least one or more other information (packaging, delay, etc.), and transmit the input (or selected) ordering information to the financial institution server 2600 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 2610 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2610 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 2610 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 2605. desirable.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the ordering information to the information registration terminal and transmitting the order information to the financial institution server 2600 through the network means. When the program is provided, the interface providing unit 2610 which provides the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 2615 is a unique order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information through the user interface in the information registration terminal Inputting (or selecting) ordering information including at least one of inspection information and other information (packaging, delay, etc.) and transmitting the ordering information through the network means to receive the ordering information in conjunction with the interface unit 2605. The received ordering information is provided to the validity confirming unit 2620.

The validity confirming unit 2620 is characterized by checking whether the ordering information received from the information registration terminal satisfies the validity for registration of the predetermined delivery or construction ordering information.

According to the method of the present invention, the validity check of the ordering information checks whether at least one ledger information matching the ordering information is registered in the ledger D / B on the financial system linked to the financial institution server 2600. It is preferable that it consists of including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity confirmation of the ordering information is to check whether the account information of the customer of the client company included in the ordering information matches the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to comprise.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the contract information registration system shown in FIG. It is desirable to include checking whether the customer has entered into an agreement to apply for credit assistance using the information.

When the validity of the ordering information is confirmed, the information storage unit 2625 may include a unique order number (or unique code) included in the ordering information, ordering company customer information, ordering company customer information, ordering object information, delivery date information, Delivery location information, delivery condition information, inspection information, and other information (packaging, delays, etc.) is stored in the storage medium 2630, characterized in that the storage medium 2630 is the financial institution server ( 2600, or when provided on a network associated with the financial institution server 2600, the information storage unit 2625 is a unique order number (or unique code) included in the received ordering information, ordering company Customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) are processed and stored in the storage medium (2630). Preferably, when the storage medium 2630 is provided in the DBMS provided on the financial system, the information storage unit 2625 is a purchase order unique number (or unique code) included in the received order information, the ordering company Financial system by providing customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) to the information system through the external system on the financial system. It is preferable to store in the DBMS provided on the.

FIG. 27 is a diagram illustrating a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to one embodiment of the present invention.

More specifically, FIG. 27 shows a case where the financial institution server 2600 on the order information registration system shown in FIG. 26 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial institution server 2600 and connecting the communication channel for registering the order information according to the present invention, the order number (or unique code), the order to the financial institution server 2600 through the communication channel When the order information including corporate customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) is transmitted, the financial institution server In 2600, the purchase order unique number (or unique code) included in the received ordering information, ordering company customer information, ordering company customer information, ordering object information, The present invention relates to an implementation method of linking processing date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delay, etc.) to a predetermined storage medium 2630. Those skilled in the art will be able to infer various implementation methods for registering the ordering information from the client terminal to the financial institution server 2600 by referring to or modifying the drawing 28, but the present invention is inferred from It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 27, the client terminal illustrated in FIG. 26 is referred to as a “terminal” for convenience, and the financial institution server 2600 illustrated in FIG. 26 is referred to as a “server” for convenience. Order number (or unique code), ordering company customer information, ordering company customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packing, Delays, etc.) are called "ordering information" for convenience.

Referring to FIG. 27, the client terminal illustrated in FIG. 26 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for registering the order information by accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., and requesting registration of the order information for registering the predetermined delivery or construction order information. In operation 2700, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the order information (2705), and generates the generated (or extracted) web page through the communication channel. The terminal transmits the output to the terminal (2710).

According to the implementation method of the present invention, the information registration interface is the order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information And a user interface for inputting (or selecting) order information including at least one of inspection information and other information (packaging, delay, etc.).

In addition, the web page transmission or output process is preferably performed at least once according to the order information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal provides at least one order number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and the like through the information registration interface. Order information (or packaging) including other information (packaging, delay, etc.) is input (2715).

If the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, other information When ordering information including (packaging, delayed payment, etc.) is input (or selected) (2720), the terminal receives the order (or unique code) of the order (or unique code) entered through the communication channel, Information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, late payment, etc.) are transmitted to the server (2725).

According to the method of the present invention, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, the delivery date information, delivery place information, Transmitting delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) to the server, the electronic signature through the security module provided in the terminal to the order information input (or selected) through the information registration interface Alternatively, the method may further include transmitting the encrypted data to the server.

Thereafter, the server transmits the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, the delivery date information, the delivery location information, the delivery condition information, the inspection information, and other information through the communication channel. Receiving and reading (packaging, delayed prize, etc.) confirms the validity of the order information (2730).

According to the method of the present invention, checking the validity of the ordering information, when the ordering information is electronically signed or encrypted through a security module provided in the terminal, decrypt the ordering information, or the ordering information Decoding may be further included.

According to the method of the present invention, the validity check of the order information is whether at least one ledger information matching the order information is registered in the ledger D / B on the financial system linked to the financial institution server 2600 It is preferable to include checking.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, confirming the validity of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the agreement information registration system It is preferable to make it.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

If the validity of the ordering information is not authenticated (2735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2740), and the information registration procedure corresponding to the ordering information. Do not do it.

On the other hand, if the validity of the ordering information is authenticated (2735), the server performs the information registration procedure corresponding to the ordering information, the order number (or unique code), the ordering company customer information, the ordering company customer information, Ordering object information, delivery date information, delivery location information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) is processed in association with the predetermined storage medium (2630) and stored (2745).

According to one embodiment of the invention, the storage medium 2630 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system), wherein the The storage medium 2630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2630 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2750), thereby completing the procedure of registering the order information transmitted from the terminal.

28A and 28B illustrate a process of registering order information in a non-face-to-face manner in order to register predetermined delivery or construction order information according to another exemplary embodiment of the present invention.

In more detail, FIGS. 28A and 28B illustrate a case in which the order information registration system illustrated in FIG. 26 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal sends the ordering information to the Internet banking server for predetermined ordering information for predetermined delivery or construction order registration information. The order, including the unique number (or unique code), customer information of the ordering company, customer information of the ordering company, order information, delivery date information, delivery place information, delivery condition information, inspection information, other information (packaging, late payment, etc.) When the information is transmitted, the order number included in the received order information from the financial institution server 2600 (or unique code) ), The customer information of the ordering company, the customer information of the ordering company, the ordering object information, the delivery date information, the delivery place information, the delivery condition information, the inspection information, and other information (packaging, delayed payment, etc.) The present invention relates to an embodiment of the present invention, and those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawings 28a and 28b and the order information from the client terminal to the financial institution server 2600. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 28A and 28B.

That is, in FIGS. 28A and 28B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering order information between the client terminal and the internet banking server is illustrated, the present invention belongs to those skilled in the art. Refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. 28b, and register the order information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. It would be possible to infer an implementation method of connecting a net banking based financial transaction channel, but the present invention includes the provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 28a and 28b, in addition to the Internet banking system, a telebanking system or wireless Although another banking system such as a banking system or a TV banking system may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for order information registration, the present invention may provide a telebanking system or a wireless banking system or a TV banking system. It includes all types of non-face-to-face channel based financial transactions, including the system or the proposed non-face-to-face channel banking system, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIGS. 28A and 28B. no.

In the following FIGS. 28A and 28B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 2600 is referred to as a "server" for convenience.

28A and 28B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2800a), the server communicates between the terminal and the server through the browser. (2805a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2810a).

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

If a predetermined security module is mounted or updated in the terminal (2815a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2820a.

If the terminal does not need to install or update the latest version of the security module for internet banking (2825a), or if the terminal does not need to load or update the security module for internet banking (2815a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (2830a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the electronic information is provided in the information (or data) to be provided to the server to register order information in the terminal. When the signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the digital signature or a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one or more encryption methods (or encryption algorithms), the terminal confirms the electronic signature or a predetermined counterpart corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and attaches a predetermined digital signature to information (or data) to be provided to the server for registering order information from the terminal. Or at least one encryption method (or encryption) Communication by encrypting the data using an algorithm) and verifying the digital signature or decrypting the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2835a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (2840a). In operation 2845a, the server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2850a), the server blocks the Internet banking secure channel for the terminal (2855a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (2860a), where the Internet banking based The financial transaction channel refers to a communication channel that can transmit and register predetermined ordering information for predetermined delivery or construction ordering information registration from the terminal to the server.

Subsequently, when the terminal requests internet banking-based ordering information registration to the server through the inter-banking-based financial transaction channel to register ordering information (2800b), the server provides a predetermined information registration interface for registering the ordering information. The webpage corresponding to the webpage is generated (or extracted) (2805b), and the generated (or extracted) webpage is transmitted to the terminal through the internet banking-based financial transaction channel (2810b).

According to the implementation method of the present invention, the information registration interface is a unique number (or unique code), ordering customer information, ordering customer information, ordering object information, delivery date information, delivery place information, delivery condition information, And an interface for inputting (or selecting) ordering information including at least one of inspection information and other information (packaging, delay, etc.), or requesting registration of the ordering information or the ordering information. In order to verify the validity of the Internet banking customer, a predetermined password (e.g., account password) or security code (e.g., a security code printed on the security card issued to the customer during the Internet banking application process) or one time password (OTP) The OTP authenticator provided to the customer by the financial institution (e.g., after the internet banking application process (or after the internet banking application) It further comprises an interface for inputting the one-time password generated from an OTP authentication program)) is preferred.

In addition, the web page transmission or output process is preferably performed at least once according to the order information registration procedure, thereby the present invention is not limited.

Then, the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, other information Order information (or selection) including at least one of (packaging, delayed prize money, etc.) is input (2815b).

If the terminal through the information registration interface, the order number (or unique code), the ordering company customer information, the ordering company customer information, the ordering object information, delivery date information, delivery place information, delivery conditions information, inspection information, etc. When ordering information including information (packing, delay, etc.) is input (or selected) (2820b), the terminal transmits the input (or selected) ordering information to the server through the financial transaction channel (2825b). ).

According to the method of the present invention, transmitting the order information (or selected) ordered information through the financial transaction channel to the server, the order information input (or selected) through the information registration interface is provided in the terminal It comprises the electronic signature or encryption through the secured module to be transmitted to the server.

Thereafter, the server receives and reads the ordering information through the financial transaction channel to confirm the validity of the ordering information (2830b).

According to the method of the present invention, checking the validity of the ordering information, when the ordering information is electronically signed or encrypted through a security module provided in the terminal, decrypt the ordering information, or the ordering information Decoding may be further included.

In addition, the validity check of the ordering information, it is preferable to further comprise authenticating a password or security code or OTP included in the ordering information.

According to the method of the present invention, the validity check of the ordering information checks whether at least one ledger information matching the ordering information is registered in the ledger D / B on the financial system linked to the financial institution server 2600. It is preferable that it consists of including.

For example, the validity check on the ordering information may include checking whether the ordering company customer information included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validation of the order information includes checking whether the account information of the client company included in the order information matches the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system. It is preferable to make it.

In addition, the validity check of the ordering information is preferably made to include checking whether the customer information of the ordering company included in the ordering information matches the customer ledger stored in the ledger D / B on the financial system.

In addition, the validity confirmation of the ordering information is to check whether the account information of the client company customer included in the ordering information is matched with the account ledger stored in the ledger D / B on the financial system linked to the agreement information registration system It is preferable to comprise.

In addition, the validity of the order information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the ordering information using the order information through the agreement information registration system shown in Figure 1 or 6 It is desirable to include verifying that you are a contracting customer for support.

In addition, the validity confirmation of the ordering information is that the ordering company customer corresponding to the ordering company customer information included in the ordering information through the agreement information registration system shown in Figure 9 or Figure 15 ordering information of the customer of the ordering company customer It is preferable that the agreement is made, including checking whether the customer signed a contract for credit application.

If the validity of the ordering information is not authenticated (2835b), the server generates a web page including predetermined ordering information registration error information and transmits it to the terminal (2840b), and registers the information corresponding to the ordering information. Do not perform the procedure.

On the other hand, if the validity of the ordering information is authenticated (2835b), the server performs an information registration procedure corresponding to the ordering information, so that the order number included in the ordering information (or unique code), customer company information In addition, customer information, order object information, delivery date information, delivery place information, delivery condition information, inspection information, and other information (packaging, delayed payment, etc.) of the contractor are stored in a predetermined storage medium 2630 (2845b). .

According to one embodiment of the invention, the storage medium 2630 is preferably provided in a DBMS on a financial system provided on the ordering information registration system (or associated with the ordering information registration system), wherein the The storage medium 2630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2630 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the order information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined order information registration history information and transmits the generated web page to the terminal (2850b), thereby completing the registration of the order information transmitted from the terminal.

29 is a diagram illustrating a face-to-face loan product subscription system for funding an order by an electronic order (or contract) based on an embodiment of the present invention.

More specifically, FIG. 29 shows that a given contractor customer creates an electronic order-based loan product application form that includes at least one predetermined contractor customer information, a client company information, a loan product subscription information, and a contractor account information. When submitted to a window provided at a financial institution of the financial institution, the financial institution based on the electronic product order based on the loan product subscription application information corresponding to the electronic product order (or contract) based on the electronic company for the financing of the contractor As a system configuration for subscribing to an order-based loan product, one of ordinary skill in the art to which the present invention pertains refers to or modifyes an order for an order-based contractor by referring to or modifying this drawing 29. It would be possible to infer various implementation methods for the system of signing up for loan products. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in response to an electronic order-based loan product application and loan product subscription application information prepared by the client company through a predetermined financial product subscription interface on the loan product subscription system shown in FIG. Components corresponding to at least one or more means or functional configurations for subscribing to an underlying loan product are referred to as "loan product subscription servers" for convenience.

Referring to FIG. 29 according to an embodiment of the present invention, the loan product subscription system for financing the contractor based on the electronic order form (or contract) is provided at at least one financial institution branch (or branch or head office). It characterized in that it comprises a terminal device including a window terminal, the terminal device is connected to the communication channel and the loan product subscription server provided on the loan product subscription system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (or branch or head office) for funding of the contractor based on the electronic order (or contract), and the financial institution branch (or branch or head office) Order based on a given electronic order (or contract) based loan order application (e.g., the electronic order (or contract)) A document with a form for filling in at least one information item for corporate funding, wherein the contractor customer is responsible for providing the legal basis for the electronic order-based loan product application. It is desirable to seal the seal.

Subsequently, when the contractor customer submits the completed electronic order-based loan product application to the counter employee, the counter-employee customer information entered in the electronic order-based loan product application through the predetermined counter terminal, client company customer Input (or select) loan product subscription application information including at least one of information, loan product subscription information, and ordering company account information, and in response, the teller terminal sends the loan product subscription application information to the financial network. It is preferable to transmit to the loan product subscription server provided on the loan product subscription system.

Here, the window terminal preferably comprises a financial terminal used by the employee of the branch (or branch or head office) of the financial institution, the loan product subscription server connected to the window terminal is provided on the predetermined financial system It is preferable to include a server (eg, a ledger server, etc.), wherein the financial network connecting the teller terminal and the loan product subscription server includes a branch network connecting the communication channel between the teller terminal and the loan product subscription server. It is preferable to make.

In the loan product subscription system as described above, an electronic order-based loan product application prepared by the contractor customer, a teller terminal used by the employee, and a financial network connecting the teller terminal and the loan product subscription server are the contractor. A customer performs a function of a financial product subscription interface for registering loan product subscription application information for financing the contractor based on the electronic order (or contract).

The storage medium provided on the loan product subscription system according to the present invention includes the ordering company customer information, the ordering company customer information and the loan product registration information, and the ordering company account included in the loan product subscription application information provided from the terminal device. And a loan product subscription processing information including at least one information and the loan product operation information.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private company, etc.), contact information, contact person, contact person telephone number and member information of the client company customer (e.g., the client company joins the loan product in response to the client company customer by signing up as a financial transaction customer of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the system is preferably included.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc., a contact number, a person in charge, a contact person's telephone number and the member information of the client's customer (for example, the client's customer is registered as a financial transaction customer of the financial institution) It is preferable to include at least one or more member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the loan product subscription system in response to the client customer. Do.

Preferably, the loan product subscription information includes at least one loan product type, name, loan product unique code, and loan product subscription agreement information to be applied for by the client company.

The loan product operation information is a general term for information for managing and operating the electronic order-based loan product that the contractor customer wants to subscribe to through the loan product subscription application information. It is preferable to carry out various modifications accordingly.

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

In addition, the loan product management information preferably further comprises the financial product basic information including the various additional attributes of the financial product corresponding to the electronic order-based loan products and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on the financial system provided on the loan product subscription system (or associated with the loan product subscription system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

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

The loan product subscription server provided on the loan product subscription system according to the present invention is a generic term for the components of the loan product subscription system connected to the terminal device through a predetermined financial network, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the loan product subscription server is a ledger server provided on a finance system connected to the teller terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

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

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

Referring to FIG. 29, when the predetermined terminal device connects a predetermined communication channel with the loan product subscription server through the interface unit, the loan product subscription server provides funding based on the electronic order form (or contract). To generate (or extract) at least one user interface for inputting (or selecting) loan product subscription application information corresponding to the electronic order-based loan product application form to be transmitted to the loan product subscription server, and linking with the interface unit. An interface providing unit for providing the generated (or extracted) user interface to the terminal device, and inputting loan product subscription application information corresponding to the electronic order-based loan product application through the user interface at the terminal device (or Select) to transmit the image to the interface unit. And an information receiving unit for receiving the loan subscription request information transmitted from the terminal apparatus characterized by comprising.

The interface providing unit connects a predetermined communication channel with the loan product subscription server through the interface unit, and then provides a user interface for financing a contract company based on the electronic order (or contract) to the loan product subscription server. Requesting, generating (or selecting) loan product subscription application information corresponding to the electronic order-based loan product application, and generating at least one user interface for transmitting to the loan product subscription server through the financial network; or And extracting from a predetermined database (not shown) and providing the generated user interface (or extracted) to the terminal device through the financial network in association with an interface unit.

According to another embodiment of the present invention, at least one of inputting (or selecting) loan product subscription application information corresponding to the electronic order-based loan product application to the terminal device and transmitting the loan product subscription application information to the loan product subscription server through the financial network. When a predetermined information registration program having the above user interface is provided, a user who inputs (or selects) the loan product subscription application information corresponding to the electronic order-based loan product application as described above and transmits it to the loan product subscription server. An interface providing unit for generating (or extracting) an interface and providing the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information through the user interface. The loan product subscription application information inputted (or selected) is transmitted to the loan product subscription server through the financial network. In response, the information receiver is connected to the loan product subscription unit transmitted from the terminal device in association with the interface unit. Characterized in that the application information is received.

Referring to FIG. 29, when the loan product subscription application information received from the terminal device is received through the information receiving unit, the loan product subscription application information is received in the electronic order form (or contract). Characterized in that it is provided with a validity check unit for confirming that the validity for the underlying contractor funding.

According to the implementation method of the present invention, the validity of the loan product subscription application information is at least one or more ledger information matching the loan product subscription application information in the ledger D / B on the financial system associated with the loan product subscription system It is preferable to include checking whether it is registered.

For example, the validity check of the loan product subscription request information includes checking whether the contractor customer information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity confirmation of the loan product subscription application information is the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system account information of the client company included in the loan product subscription application information It is desirable to include checking that a match is found.

In addition, the validity check of the loan product subscription request information includes confirming whether the client company information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity of the loan product subscription application information is confirmed by the contractor customer information corresponding to the contractor customer information included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include whether or not the customer signing the contract for the application for credit support using the ordering information of the client company.

In addition, the validity confirmation of the loan product subscription application information is ordered by the customer of the ordering company corresponding to the customer information of the ordering company included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include checking whether the contract is signed to support the contractor credit information using the information.

Referring to FIG. 29, if the loan product subscription application information received through the information receiving unit is validated for funding of the order company based on the electronic order (or contract) through the validity checking unit, Contract period confirmation unit for confirming the contract period in the electronic order information (or ordering information) corresponding to the ordering company customer information included in the loan product subscription application information is validated, and the confirmed contract period is a certain unit period A loan period setting unit for setting a loan period, the ordering company customer information, the ordering company customer information, the loaning product subscription information, the ordering company account information and the Based on the loan period information, the predetermined loan product management information corresponding to the electronic order-based loan product It characterized in that comprises an information generator for sex.

If the contract period confirmation unit is verified that the validity of the loan product subscription application information through the validity authentication unit, in conjunction with the storage medium, the contractor customer information (loan application customer information) included in the loan product subscription application information And confirming corresponding electronic order information (or ordering information), and confirming a contract period between the client company customer and the client company customer from the confirmed electronic order information (or ordering information).

According to another embodiment of the present invention, the contract period confirmation unit checks the electronic order information (or ordering information) corresponding to the customer information (loan support customer information) included in the loan product subscription application information, the confirmation Characterized in that it confirms the contract period between the client company customer and the client customer from the electronic order information (or ordering information).

When the loan period setting unit confirms the contract period between the client company customer and the client company customer from the electronic order information (or ordering information) through the contract period confirmation unit, by dividing the confirmed contract period into a predetermined unit period, It is characterized by setting a loan period corresponding to the loan product.

For example, if a contract is concluded between the client company and the client company for one year and the contract amount is 100 million won, the contract period is divided into three months when the loan product is provided to the client company. The loan period of the loan product is three months, and by extending the total three times automatically until the contract period, it is possible to provide preferential loan rate according to the loan period.

When the loan period of the loan product is set by the loan period setting unit, the information generation unit receives the customer information of the ordering company, the customer information of the ordering company, the loan product registration information, and the order company account information included in the loan product subscription application information. And generating predetermined loan product management information corresponding to the electronic order-based loan product.

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

Referring to FIG. 29, the loan product subscription server may verify the validity of the loan product subscription application information received through the information receiving unit through the validity checking unit for funding of the order company based on the electronic order (or contract). When the contract period corresponding to the loan product subscription application information for which the validity is verified is confirmed and a loan period for the loan product is set, the loan product subscription information and the loan product operation information generated by the information generator are And an information storage unit configured to store at least one loan product subscription processing information in a predetermined storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the loan product subscription server or on a network associated with the loan product subscription server, the information storage unit receives the received loan product subscription application information and the It is preferable to store the loan product subscription processing information including at least one loan product operation information in the storage medium.

According to another embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit loans including at least one or more received loan product subscription application information and the loan product operation information It is preferable to provide the product subscription processing information to the information system through the external system on the financial system and store it in a DBMS provided on the financial system.

Referring to FIG. 29, the loan product subscription server checks the loan period corresponding to the loan product subscribed by the client company, and when the checked loan period expires, the loan product automatically extended within the contract period. Characterized in that the configuration further comprises an operating unit.

According to an embodiment of the present invention, the loan product management unit checks the credit status change of the client company customer at the time of expiration of the loan period corresponding to the loan product subscribed to the client company customer, the confirmed client company customer In accordance with the change in credit conditions (for example, decrease in credit rating, etc.) is characterized in that the automatic extension of the loan period of the loan product.

In addition, according to another embodiment of the present invention, the loan product management unit requests the client company's change situation information (eg, contract extension, contract destruction, contract change, etc.) for the contract from the client company customer When the change status information of the contract is received, the loan period of the loan product is not automatically extended according to the received change condition information of the contract.

In addition, according to another embodiment of the present invention, the loan product management unit requests the contractor customer change situation information (eg, contract extension, contract destruction, contract change, etc.) for the contract, the client company customer When the change situation information is received from the contract, characterized in that the automatic extension of the loan period of the loan product in accordance with the received contract change situation information.

In addition, according to another embodiment of the present invention, the loan product management unit requests the change status information (eg, contract extension, contract break, contract change, etc.) for the contract to the order information relay server, the order information When the change status information of the contract is received from the relay server, the loan period of the loan product is not automatically extended according to the received contract change status information.

30 is a diagram illustrating an electronic order-based loan product subscription process for funding an electronic order (or contract) -based contractor in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIG. 30 is a terminal terminal in which a terminal device on a loan product subscription system shown in FIG. 29 is provided at a branch of a financial institution (or a branch), and the loan product subscription server is connected to a terminal terminal through a predetermined financial network. In the case of having a ledger server (not shown) function in the linked financial system, a given customer's customer information for subscribing to an electronic order-based loan product for financing an order-based contractor And submitting an electronic order-based loan product application form including at least one client company information, loan product subscription information, and order company account information, the financial institution may face-to-face based on the electronic order-based loan product application form. As a system configuration for subscription processing on an electronic order-based loan product, specifically, the customer When the electronic order-based loan product application is prepared and submitted to the counter, the counter terminal inputs (or selects) the loan product subscription application information corresponding to the electronic order-based loan product application and transmits it to the loan product subscription server. Afterwards, the electronic product order-based loan product based on the loan product subscription information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information in the loan product subscription server. It shows the implementation method to process the subscription.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 30 to infer various implementation methods for registering the loan product subscription application information to the loan product subscription server in the window terminal. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, although the embodiment shown in FIG. 30 includes a process of generating a predetermined electronic document corresponding to the electronic order-based loan product application and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the method shown in FIG. 30 including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the electronic order-based loan product application through a predetermined image obtaining apparatus. In addition, the user interface for inputting (or selecting) loan product subscription application information corresponding to the electronic order-based loan product application is illustrated as being provided from the loan product subscription server, but a predetermined information registration program is provided at the counter terminal. When provided, the user interface may not be provided from the loan product subscription server, and the present invention is not limited thereto.

Hereinafter, in FIG. 30, the window terminal shown in FIG. 29 is called "terminal" for convenience, and the loan product subscription server shown in FIG. 29 is called "server" for convenience, and the loan product subscription server in the window terminal. The ordering customer information, the ordering company customer information, the loan product subscription information, the ordering company account information to be sent to the "loan product subscription application information" for convenience.

Referring to FIG. 30, a given contractor customer includes at least one contractor customer information, orderer customer information, loan product subscription information, and contractor account information for funding the contractor based on the electronic order (or contract). When the electronic order-based loan product application is prepared and submitted, the teller terminal shown in FIG. 29 accesses the server through a predetermined financial network and connects the predetermined communication channel to the electronic order-based loan product application. When requesting a user interface for financing the contractor based on the corresponding electronic order (or contract) (3000), the server responds to the contractor customer information corresponding to the electronic order based loan product application prepared by the contractor customer. And at least one client company information, loan product registration information, and order company account information. Generate (or extract) a user interface for inputting (or selecting) loan product subscription request information to the server (3005), and transmit the generated (or extracted) user interface to the terminal through the financial network. And output (3010).

Thereafter, the terminal inputs (or selects) loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information through the user interface (3015). ).

If the loan product subscription information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information is input (or selected) through the user interface (3020), the terminal In operation 3025, the loan product subscription request information is input to the server through the financial network.

Thereafter, the server receives and reads the loan product subscription request information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information through the financial network to join the loan product. The validity of the application information is checked (3030).

According to the implementation method of the present invention, the validity of the loan product subscription application information is at least one or more ledger information matching the loan product subscription application information in the ledger D / B on the financial system associated with the loan product subscription system It is preferable to include checking whether it is registered.

For example, the validity check of the loan product subscription request information includes checking whether the contractor customer information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity confirmation of the loan product subscription application information is the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system account information of the client company included in the loan product subscription application information It is desirable to include checking that a match is found.

In addition, the validity check of the loan product subscription request information includes confirming whether the client company information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity of the loan product subscription application information is confirmed by the contractor customer information corresponding to the contractor customer information included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include checking whether the client has entered into an agreement to apply for credit assistance using the ordering information of the client.

In addition, the validity confirmation of the loan product subscription application information is ordered by the customer of the ordering company corresponding to the customer information of the ordering company included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include checking whether the contract is signed to support the contractor credit information using the information.

If the validity of the loan product subscription request information is not authenticated (3035), the server generates a predetermined loan product subscription error information and transmits it to the terminal (3040), the electronic corresponding to the loan product subscription application information The order-based loan product registration process is not performed.

On the other hand, if the validity of the loan product subscription request information is authenticated (3035), the server is linked to the storage medium, the electronic corresponding to the customer information (loan application customer information) of the contractor included in the loan product subscription application information The order information (or ordering information) is checked, and the contract period between the ordering customer and the ordering customer is confirmed from the confirmed electronic ordering information (or ordering information) (3045).

According to another embodiment of the present invention, the server checks the electronic order information (or ordering information) corresponding to the client company information (loan support customer information) included in the loan product subscription application information, the confirmed The contract period between the client company customer and the client company customer can be confirmed from the electronic order information (or ordering information).

When the contract period between the client company customer and the client company customer is confirmed from the electronic order information (or ordering information), the server divides the confirmed contract period into a predetermined unit period to correspond to the loan product. A loan period is set (3050).

For example, if a contract is concluded between the client company and the client company for one year and the contract amount is 100 million won, the contract period is divided into three months when the loan product is provided to the client company. The loan period of the loan product is three months, and by extending the total three times automatically until the contract period, it is possible to provide preferential loan rate according to the loan period.

Thereafter, the server operates a predetermined loan product corresponding to the electronic order-based loan product based on the ordering company customer information, the ordering company customer information, the loaning product subscription information, and the ordering company account information included in the loan product subscription application information. Generate information (3055).

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the loan product subscription processing information including at least one loan product subscription application information and the loan product operation information in a predetermined storage medium (3060) and generates predetermined loan product registration history information ( Or extract) and transmit it to the terminal (3065).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on the financial system provided on the loan product subscription system (or associated with the loan product subscription system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

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

FIG. 31 is a diagram illustrating a non-face-to-face loan product subscription system for funding an electronic order-based contractor according to another embodiment of the present invention.

In more detail, FIG. 31 illustrates a loan product in which a given contractor customer includes at least one predetermined contractor customer information, a client company information, a loaner subscription information, and a contractor account information through a predetermined financial product subscription interface. When the subscription application information is provided to the financial institution, the financial institution subscribes to an electronic order-based loan product for financing the order-based contractor based on the loan product subscription application information, and the electronic order-based loan product As a system configuration for managing the present invention, those of ordinary skill in the art to which the present invention pertains, various reference to the configuration of the loan product subscription system for financing the contractor based on the electronic order by referring to or modifying this drawing 31 It would be possible to infer a method of implementation, but the present invention is intended to provide It comprises a method, and shall not be limited to the exemplary method shown in the figure 31.

Hereinafter, on the loan product subscription system shown in FIG. 31, the customer receives the loan product subscription application information from the client company through a predetermined financial product subscription interface to allow the client company to subscribe to the electronic order-based loan product. For example, the component corresponding to at least one or more means or functional configuration for operating the same is referred to as "loan product subscription server 3100".

Referring to FIG. 31 according to an embodiment of the present invention, a loan product subscription system for funding a contractor based on the electronic order includes a client terminal including at least one wired terminal or a wireless terminal used by the contractor customer. It characterized in that it comprises a terminal device including at least one, wherein the terminal device is connected to the communication channel and the loan product subscription server 3100 provided on the loan product subscription system through a predetermined network means.

According to an exemplary embodiment of the present invention, the contractor customer accesses the loan product subscription server 3100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. In response to inputting (or selecting) the loan product subscription application information for the electronic order-based contractor funding through at least one user interface provided by the loan product subscription server 3100, the client terminal may select a predetermined value. It is preferable to transmit to the loan product subscription server 3100 provided on the loan product subscription system through a network means.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is formed, including at least one are preferred.

Also, the loan product subscription server 3100 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the loan product subscription server 3100 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based mobile Internet, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the IEEE 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the loan product subscription server 3100, and inputs or selects at least one information through the user interface to the loan product subscription server 3100. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and a communication function for communicating with the loan product subscription server 3100, etc.) is provided.

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

In the loan product subscription system as described above, a client terminal including at least one or more wired terminals or wireless terminals used by the contractor customer, and at least one wireline connecting the client terminal and the loan product subscription server 3100 The communication network or the wireless communication network performs a function of a financial product subscription interface for registering the loan product subscription application information for the contractor customer to support the contractor based on the electronic order.

According to another exemplary embodiment of the present invention, the terminal apparatus may include, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network. At least one institution further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or affiliated with the financial institution. Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the loan product subscription system as described above, when the terminal device is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the loan product subscription server 3100. The wired telephone network or the wireless telephone network performs a function of a financial product subscription interface for registering the loan product subscription application information for the contractor customer to support the contractor based on the electronic order, or the financial institution as the terminal device. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the company, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the loan product subscription server 3100 The connecting network is a financial product subscription interface for registering the loan product subscription application information for the contractor customer to fund the contractor based on the electronic order. Performs the function of

The storage medium 3150 provided on the loan product subscription system according to the present invention includes the ordering company customer information and the ordering company customer information and the loan product subscription information included in the loan product subscription application information provided from the terminal device. And a loan product subscription processing information including at least one contract company account information and the loan product operation information.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private company, etc.), contact information, contact person, contact person telephone number and member information of the client company customer (e.g., the client company joins the loan product in response to the client company customer by signing up as a financial transaction customer of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the system is preferably included.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc., contact information, a person in charge, a contact person's telephone number and member information of the client's customer (eg, the client's customer is registered as a financial transaction customer of the financial institution). It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the loan product subscription system corresponding to the corporate customer. .

Preferably, the loan product subscription information includes at least one loan product type, name, loan product unique code, and loan product subscription agreement information to be applied for by the client company.

The loan product operation information is a general term for information for managing and operating the electronic order-based loan product that the contractor customer wants to subscribe to through the loan product subscription application information. It is preferable to carry out various modifications accordingly.

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the storage medium 3150 is preferably provided in a DBMS on a financial system provided on the loan product subscription system (or associated with the loan product subscription system). The storage medium 3150 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3150 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The loan product subscription server 3100 provided on the loan product subscription system according to the present invention is a generic term for the components of the loan product subscription system connected to the terminal device through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the loan product subscription server 3100 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a wireless banking system, the loan product subscription server 3100 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the loan product subscription server 3100 may be configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the loan product subscription server 3100 is characterized in that it comprises an interface unit 3105 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an exemplary embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 3105 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3105 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan product subscription server 3100, the interface unit 3105 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 3105 is based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 3105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the loan product subscription server 3100, the interface unit 3105 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 3105 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) and a predetermined call path based on the above, and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 3105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 31, when the predetermined terminal device connects a predetermined communication channel with the loan product subscription server 3100 through the interface unit 3105, the electronic order form ( Or at least one user interface for inputting (or selecting) loan product subscription application information corresponding to the electronic order-based loan product application for the purpose of funding a contract-based contractor and transmitting it to the loan product subscription server 3100. And an interface providing unit 3110 for generating (or extracting) and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 3105, and through the user interface in the terminal device. When the loan product subscription application information corresponding to the electronic order-based loan product application is input (or selected) and transmitted, And an information receiving unit 3115 for receiving the loan product subscription application information transmitted from the terminal device in association with the interface unit 3105.

The interface provider 3110 connects a predetermined communication channel with the loan product subscription server 3100 through the interface unit 3105, and then sends the electronic order to the loan product subscription server 3100. When requesting a user interface for funding based on a contractor, the terminal apparatus inputs (or selects) predetermined loan product subscription application information and transmits it to the loan product subscription server 3100 through the network means. Generating at least one user interface, or extracting from a predetermined database (not shown), and providing the generated (or extracted) user interface to the terminal apparatus through the network means in conjunction with the interface unit 3105; It features.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 3110 is provided as a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3105.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 3110 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3105.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 3110 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface and provide the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 3105. Do.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined loan product subscription application information to the terminal device and transmitting the loan product subscription application information to the loan product subscription server 3100 through the network means is provided. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined loan product subscription application information as described above to be transmitted to the loan product subscription server 3100 may be generated (or extracted). The interface providing unit 3110 provided to the terminal device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information through the user interface. The input (or selected) loan product subscription application information is transmitted to the loan product subscription server 3100 through the network means, and correspondingly, the information receiver 3115 is connected to the interface unit 3105 in response to the loan product subscription application information. And receiving the loan product subscription request information transmitted from the terminal device.

According to an embodiment of the present invention, the terminal apparatus may include the loan product subscription server in the loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information. The network means further comprises at least one or more password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the loan product subscription application information in 3100 It is preferable to transmit to the loan product subscription server 3100 through.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method for loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. For example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or the like, or attaches a predetermined electronic signature to the loan product subscription application information. It is preferable to transmit to the loan product subscription server 3100 through a network means. For this purpose, the terminal apparatus includes at least one encryption key corresponding to the encryption scheme, or includes at least one encryption key. Have an accredited certificate of When provided in the IC chip (or IC card), it is preferable that a card reader for confirming the certificate of authentication provided in the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the loan product subscription application information, and technical features of attaching a predetermined electronic signature to the loan product subscription application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 31, when the loan product subscription request information transmitted from the terminal device is received through the information receiver 3115, the loan product subscription server 3100 receives the loan product subscription request information. Characterized in that it comprises a validity check unit (3120) to check whether the order-based contractor for the validity of the fund support.

According to an embodiment of the present invention, the loan product subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). ), The validity confirming unit 3120 determines at least one decryption method (for example, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. , Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received loan product subscription application information.

Alternatively, when a predetermined electronic signature is attached to the loan product subscription request information, the validity confirming unit 3120 checks the electronic signature attached to the loan product subscription application information, thereby receiving the received loan product subscription application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption methods for decrypting the encrypted loan product subscription application information, and the technical to confirm the electronic signature attached to the loan product subscription application information Since you will be familiar with the features, a detailed description thereof will be omitted.

When the loan product subscription application information received through the information receiving unit 3115 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the loan product subscription application information, the validity confirmation unit 3120, by comparing and verifying the password included in the loan product subscription application information and the password provided for the customer on the DBMS, it is preferable to authenticate the validity of the received loan product subscription application information Do.

Alternatively, when the loan product subscription request information received through the information receiver 3115 further includes predetermined security card information for checking the validity of the loan product subscription request information, the validity confirming unit 3120. Compares and authenticates the security card information included in the loan product subscription request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received loan product subscription application information. desirable.

Alternatively, when the loan product subscription application information received through the information receiver 3115 further includes a predetermined OTP code for checking the validity of the loan product subscription application information, the validity confirmation unit 3120 may By comparing and authenticating the received OTP code included in the loan product subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received loan product subscription application information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the loan product subscription application information is at least one or more ledger information matching the loan product subscription application information in the ledger D / B on the financial system associated with the loan product subscription system It is preferable to include checking whether it is registered.

For example, the validity check of the loan product subscription request information includes checking whether the contractor customer information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity confirmation of the loan product subscription application information is the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system account information of the client company included in the loan product subscription application information It is desirable to include checking that a match is found.

In addition, the validity check of the loan product subscription request information includes confirming whether the client company information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity of the loan product subscription application information is confirmed by the contractor customer information corresponding to the contractor customer information included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include whether the customer signing an agreement for credit support application using the ordering information of the client customer.

In addition, the validity confirmation of the loan product subscription application information is ordered by the customer of the ordering company corresponding to the customer information of the ordering company included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include checking whether the contract is signed to support the contractor credit information using the information.

Referring to FIG. 31, the loan product subscription server 3100 receives the loan product subscription application information received through the information receiver 3115 based on the electronic order (or contract) through the validity check unit 3120. If the validity for the corporate funding is authenticated, the contract period confirmation unit for confirming the contract period in the electronic order information (or ordering information) corresponding to the contractor customer information included in the validity of the loan product subscription application information ( 3125), the loan period setting unit 3130 for setting the loan period by dividing the checked contract period into a predetermined unit period, and the ordering company customer information included in the loan product subscription application information for which the validity is verified; Predetermined corresponding to the electronic order-based loan product based on the customer information, the loan product subscription information, the ordering company account information and the set loan period information Including information generation unit (3135) for generating an output product management information is characterized in that formed.

When the contract period checking unit 3125 is authenticated as validity of the loan product subscription application information through the validity authentication unit, the contractor customer information included in the loan product subscription application information is linked to the storage medium 3150. Confirm the electronic order information (or ordering information) corresponding to the (loan application customer information), and confirm the contract period between the client company customer and the client company customer from the confirmed electronic order information (or ordering information) It is done.

According to another exemplary embodiment of the present invention, the contract period checking unit 3125 checks the electronic order information (or ordering information) corresponding to the client company information (loan support customer information) included in the loan product subscription application information. And confirming a contract period between the client company customer and the client company customer from the confirmed electronic order information (or ordering information).

When the loan period setting unit 3130 confirms the contract period between the client company customer and the client company customer from the electronic order information (or ordering information) through the contract period confirmation unit 3125, the confirmed contract period Is divided into a predetermined unit period, characterized in that for setting the loan period corresponding to the loan product.

For example, when a contract is concluded between the client company and the client company for one year and the contract amount is 100 million won, the contract period is divided into three months when the loan product is provided to the client company. The loan period of the loan product is three months, and by extending the total three times automatically until the contract period, it is possible to provide preferential loan rate according to the loan period.

When the loan period of the loan product is set by the loan period setting unit 3130, the information generation unit 3135 receives order company customer information, ordering company customer information, and loan product subscription included in the loan product subscription application information. And predetermined loan product management information corresponding to the electronic order-based loan product based on the information and the order company account information.

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, and thus, a detailed description thereof will be omitted for convenience.

Referring to FIG. 31, the loan product subscription server 3100 receives the loan product subscription application information received through the information receiver 3115 based on the electronic order (or contract) through the validity check unit 3120. When the validity for the corporate funding is verified, and the contract period corresponding to the validity-tested loan product subscription application information is confirmed and the loan period is set for the loan product, the loan product subscription application information and the information generation unit And an information storage unit 3140 for storing loan product subscription processing information including at least one loan product operation information generated by 3135 in a predetermined storage medium 3150.

According to an embodiment of the present invention, when the storage medium 3150 is provided in the loan product subscription server 3100 or on a network associated with the loan product subscription server 3100, the information storage unit ( 3140 preferably stores the loan product subscription processing information including the received loan product subscription application information and the loan product operation information in the storage medium 3150.

According to another exemplary embodiment of the present invention, when the storage medium 3150 is provided in a DBMS provided on a financial system, the information storage unit 3140 may receive the received loan product subscription application information and the loan product operation information. It is preferable to provide the loan product subscription processing information including at least one of the information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 31, the loan product subscription server 3100 checks the loan period corresponding to the loan product subscribed to by the client company, and when the checked loan period expires, the extension process is automatically extended within the contract period. To be configured to further include a loan product management unit (3145).

According to the method of the present invention, the loan product management unit 3145 checks the credit status change of the customer of the client company at the time of expiration of the loan period corresponding to the loan product subscribed to the customer of the contract company, the confirmation It is characterized in that it does not perform the automatic extension of the loan period of the loan product in accordance with the situation of the customer credit rating changes (eg, credit decline).

In addition, according to another implementation method of the present invention, the loan product management unit 3145 requests the client company change situation information (eg, contract extension, contract destruction, contract change, etc.) for the contract, When the change situation information on the contract is received from the client company customer, it is characterized in that the automatic extension of the loan period of the loan product in accordance with the received contract change information.

In addition, according to another implementation method of the present invention, the loan product management unit 3145 by requesting the customer of the change situation information (for example, contract extension, contract destruction, contract change, etc.) for the contract, When the change status information of the contract is received from the client company customer, it is characterized in that the automatic extension of the loan period of the loan product in accordance with the received contract change status information.

In addition, according to another embodiment of the present invention, the loan product management unit 3145 by requesting the change status information (eg, contract extension, contract break, contract change, etc.) for the contract to the order information relay server When the change status information of the contract is received from the ordering information relay server, the loan period of the loan product is not automatically extended according to the received contract change status information.

32A and 32B illustrate an electronic order-based loan product subscription process for funding an electronic order-based contractor according to an embodiment of the present invention.

More specifically, FIGS. 32A and 32B show a case where the loan product subscription system shown in FIG. 31 is realized through an internet banking system (eg, a Biz banking system) among non-face-to-face financial transaction channels (ie, FIG. 31). In the loan product subscription server 3100 on the loan product subscription system shown in the drawing, the client terminal connects to the Internet banking server through a TCP / IP-based network (for example, the Internet) and is predetermined. After performing the customer authentication procedure of the client, the client terminal transmits a predetermined loan product subscription application information to the Internet banking server in order to subscribe to the electronic order-based loan products for funding the order company based on the electronic order, The ordering company customer information, ordering company customer information, loan product subscription information, ordering company account information on the Internet banking server It is a general knowledge in the technical field to which the present invention belongs to an implementation method for processing the subscription to the electronic order-based loan products for funding the electronic order-based contractor based on the loan product subscription application information comprising at least one or more; If the person having the present invention can be inferred from various implementation methods of registering the loan product subscription application information through other types of non-face-to-face financial transaction channels by referring to or modifying the drawings 32a and 32b, the present invention can be inferred from the above. The present invention includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 32A and 32B.

That is, in FIG. 32A and FIG. 32B, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering a loan product subscription application information between the client terminal and the Internet banking server is illustrated, the present invention belongs to those skilled in the art. Loan products between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 32A and 32B. Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of registration information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 32a and 32b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering loan product subscription information may be inferred, but the present invention may provide a telebanking system or a wireless banking system. Or all types of non-face-to-face channel-based financial transactions, including TV banking systems or future proposed non-face-to-face banking systems, the technical configuration of the present invention being limited to the case of the Internet banking shown in FIGS. 32A and 32B. It never happens.

32A and 32B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the loan product subscription server 3100 is referred to as " server "

32A and 32B, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (3200a), the server communicates between the terminal and the server through the browser. (3205a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing the terminal to the terminal, it is determined whether the terminal is equipped with a predetermined security module for internet banking or the security module is updated. (3210a).

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

If a predetermined security module is mounted or updated in the terminal (3215a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 3220a.

If the terminal does not need to install or update the latest version of the Internet banking security module (3225a), or if the terminal does not need to load or update the Internet banking security module (3215a), the server is mounted on the terminal By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (3230a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the loan product subscription application information in the terminal. When a predetermined digital signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of the loan product subscription application information in the terminal. Attach a signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (3235a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (3240a). In operation 3245a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (3250a), the server blocks the internet banking security channel for the terminal (3255a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (3250a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (3260a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined loan product subscription application information for funding an electronic order-based order company from the terminal.

Subsequently, when the terminal requests a web page including a user interface for financing the electronic order-based contractor to the server through an internet banking-based financial transaction channel (3200b), the server corresponds to the contractor. Create a web page including a user interface for inputting (or selecting) loan product subscription request information including at least one of customer information, client company information, loan product subscription information, and order company account information to the server. The web page including the generated (or extracted) user interface is transmitted to the terminal (3210b) (or extracted) (3205b).

According to an embodiment of the present invention, the web page inputs (or selects) loan product subscription application information including at least one of ordering company customer information, ordering company customer information, loan product registration information, and ordering company account information at the terminal. It is preferable to include a user interface, or a predetermined password or security card information (for example, in the process of applying for internet banking to verify the validity of the Internet banking customer requesting to register the loan product subscription application information) The security card information printed on the security card issued to the customer) or the OTP (One Time Password) (for example, the Internet banking application process (or after the banking application), an OTP authenticator (or OTP authentication program) provided to the customer by a financial institution. It will further include a user interface for entering a one-time password generated through) desirable.

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

Thereafter, the terminal inputs (or selects) loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product joining information, and the ordering company account information through the financial product joining interface ( 3215b).

If the terminal receives (or selects) loan product subscription information including the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information (3220b), the terminal The 32 transmits the input (or selected) loan product subscription application information to the server through the financial transaction channel (3225b).

According to an embodiment of the present invention, the terminal joins the loan product on the loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the application information to transmit to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. , A symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or by attaching a predetermined electronic signature to the loan product subscription information. It is preferable to transmit to the server through means, for which the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or The official certificate is provided on a predetermined IC chip (or IC card) Wu, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, and transmits to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, the car for checking the official certificate provided in the IC chip (or IC card) It is preferred that the reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the loan product subscription application information, and technical features of attaching a predetermined electronic signature to the loan product subscription application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the loan product subscription request information through the financial transaction channel to check the validity of the loan product subscription request information (3230b).

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

Alternatively, when a predetermined electronic signature is attached to the loan product subscription application information, the server verifies the validity of the received loan product subscription application information by checking the electronic signature attached to the loan product subscription application information. It is preferable.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption methods for decrypting the encrypted loan product subscription application information, and the technical to confirm the electronic signature attached to the loan product subscription application information Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the received loan product subscription application information further includes a predetermined password for checking the validity of the loan product subscription application information, the server is added to the loan product subscription application information. It is preferable to authenticate the validity of the received loan product subscription application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the received loan product subscription request information further includes a predetermined security card information for confirming the validity of the loan product subscription application information, the server is included in the loan product subscription application information received By comparing and authenticating the security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received loan product subscription application information.

Alternatively, when the received loan product subscription application information further includes a predetermined OTP code for checking the validity of the loan product subscription application information, the server is included in the loan product subscription application information received OTP It is preferable to authenticate the validity of the received loan product subscription application information by comparing and authenticating a code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the implementation method of the present invention, the validity of the loan product subscription application information is at least one or more ledger information matching the loan product subscription application information in the ledger D / B on the financial system associated with the loan product subscription system It is preferable to include checking whether it is registered.

For example, the validity check of the loan product subscription request information includes checking whether the contractor customer information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity confirmation of the loan product subscription application information is the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system account information of the client company included in the loan product subscription application information It is desirable to include checking that a match is found.

In addition, the validity check of the loan product subscription request information includes confirming whether the client company information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity of the loan product subscription application information is confirmed through the agreement information registration system shown in FIG. 9 or FIG. 15 by a contractor customer corresponding to the contractor customer information included in the loan product registration application information It is preferable to include a confirmation of whether the customer is a contract signed for the application for credit support using the ordering information of the client company.

In addition, the validity confirmation of the loan product subscription application information is ordered by the customer of the ordering company corresponding to the customer information of the ordering company included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include checking whether the contract is signed to support the contractor credit information using the information.

If the validity of the loan product subscription application information is not authenticated (3235b), the server generates a web page including the predetermined financial product error information and transmits it to the terminal (3240b), and the electronic order-based loan product Do not perform the sign up process.

On the other hand, if the validity of the loan product subscription application information is authenticated (3235b), the server is linked to the storage medium (3150), the ordering company customer information (loan application customer information) included in the loan product subscription application information Corresponding electronic order information (or ordering information) is checked, and the contract period between the client company customer and the client company customer is confirmed from the confirmed electronic order information (or ordering information) (3245b).

According to another exemplary embodiment of the present invention, the server checks the electronic order information (or ordering information) corresponding to the client company information (loan support customer information) included in the loan product subscription application information, the confirmed electronic From the order information (or ordering information), the contract period between the client company customer and the client company customer can be confirmed.

When the contract period between the client company customer and the client company customer is confirmed from the electronic order information (or ordering information), the server divides the confirmed contract period into a predetermined unit period to correspond to the loan product. A loan period is set (3250b).

For example, if a contract is concluded between the client company and the client company for one year and the contract amount is 100 million won, the contract period is divided into three months when the loan product is provided to the client company. The loan period of the loan product is three months, and by extending the total three times automatically until the contract period, it is possible to provide preferential loan rate according to the loan period.

Thereafter, the server operates a predetermined loan product corresponding to the electronic order-based loan product based on the ordering company customer information, the ordering company customer information, the loaning product subscription information, and the ordering company account information included in the loan product subscription application information. Generate information (3255b).

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the loan product subscription processing information including at least one loan product subscription application information and the loan product operation information in a predetermined storage medium 3150 (3260b), and predetermined loan product registration history information. Generate (or extract) and transmit it to the terminal (3265b).

According to an embodiment of the present invention, the storage medium 3150 is preferably provided in a DBMS on a financial system provided on the loan product subscription system (or associated with the loan product subscription system). The storage medium 3150 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3150 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

FIG. 33 is a diagram illustrating a non-face-to-face loan product subscription system for funding an electronic order-based contractor according to another embodiment of the present invention.

In more detail, FIG. 33 illustrates a loan product in which a given contractor customer includes at least one predetermined contractor customer information, a client company information, a loaner subscription information, and a contractor account information through a predetermined financial product subscription interface. When the subscription application information is provided to a predetermined relay server 3300, the relay server 3300 provides loan product subscription application information of the client company's customer to a financial institution through a predetermined network, and the loan is provided by the financial institution. A system configuration for subscribing to an electronic order-based loan product for funding of the order-order company based on the product subscription application information, and managing the electronic order-based loan product, which is usually in the technical field to which the present invention belongs. If you have the knowledge of the company, refer to or modify this drawing 33 to fund the order-based contractor Various implementation methods for constructing a loan product subscription system for support 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, at least one of receiving the loan product subscription application information from the client company customer through a predetermined financial product subscription interface on the loan product subscription system shown in FIG. 33 and transmitting the information to the financial institution contracted by the client company customer. The component corresponding to the above means or function configuration is referred to as "relay server 3300" for convenience, and the loan product subscription request information of the contractor customer is provided from the relay server 3300. A component corresponding to at least one means or function configuration for allowing the contractor customer to subscribe to the electronic order-based loan product and operating the same is referred to as "loan product subscription server 3330" for convenience.

Referring to FIG. 33 in accordance with an embodiment of the present invention, the loan product subscription system for funding the contractor based on the electronic order includes a client terminal including at least one wired terminal or a wireless terminal used by the client company. It characterized in that it comprises a terminal device including at least one, wherein the terminal device is connected to the communication channel and the relay server 3300 provided on the loan product subscription system through a predetermined network means, The relay server 3300 is connected to the communication channel through the loan product subscription server 3330 through a predetermined network means.

According to an exemplary embodiment of the present invention, the contractor customer accesses the relay server 3300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Entering (or selecting) the loan product subscription application information for the electronic order-based contractor funding through at least one user interface provided by the relay server 3300, the client terminal transmits the information through a predetermined network means. It is preferable to transmit to the relay server 3300 provided on the loan product subscription system.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

Also, the relay server 3300 connected to the client terminal may be one of an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server.

The network means for connecting the client terminal and the relay server 3300 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based mobile Internet, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the IEEE 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the relay server 3300, and inputs or selects at least one or more information through the user interface to transmit to the relay server 3300. (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the relay server 3300) are preferably provided.

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

In the loan product subscription system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the client company, at least one wired communication network connecting the client terminal and the relay server 3300 or The wireless communication network performs a function of a financial product subscription interface for registering the loan product subscription application information for the contractor customer to support the order-based company financing.

According to another exemplary embodiment of the present invention, the terminal apparatus may include, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network. At least one predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or at least one institution affiliated with the financial institution. It may further include a terminal (or server) (not shown) provided, whereby the present invention is not limited.

In the loan product subscription system as described above, when the terminal device is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the loan product subscription server 3330. The wired telephone network or the wireless telephone network performs a function of a financial product subscription interface for registering the loan product subscription application information for the contractor customer to support the contractor based on the electronic order, or the financial institution as the terminal device. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the company, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the loan product subscription server 3330 The connecting network is a financial product subscription interface for registering the loan product subscription application information for the contractor customer to fund the contractor based on the electronic order. Performs the function of

The storage medium 3370 provided on the loan product subscription system according to the present invention includes the ordering company customer information, the ordering company customer information, and the loan product subscription information included in the loan product subscription application information provided from the terminal device. And a loan product subscription processing information including at least one contract company account information and the loan product operation information.

The contractor customer information includes the company name, business registration number, corporation registration number, representative, type of business, type of business, company classification of the customer of the ordering company that has entered into a predetermined supply contract with the ordering company (e.g., large company / medium / small business or public company). / Private company, etc.), contact information, contact person, contact person telephone number and member information of the client company customer (e.g., the client company joins the loan product in response to the client company customer by signing up as a financial transaction customer of the financial institution) At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the system is preferably included.

The customer information of the ordering company includes the company name, business registration number, corporation registration number, representative, type of business, type of business and company of the customer of the customer of the ordering company that supports the credit required for the production and operation activities of the contracting customer. For example, a large company / medium enterprise / small business or public company / private enterprise, etc., a contact number, a person in charge, a person in charge of the person in charge, and the member information of the client company's customer (eg It is preferable to include at least one or more member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the loan product subscription system in response to the client customer. Do.

Preferably, the loan product subscription information includes at least one loan product type, name, loan product unique code, and loan product subscription agreement information to be applied for by the client company.

The loan product operation information is a general term for information for managing and operating the electronic order-based loan product that the contractor customer wants to subscribe to through the loan product subscription application information. It is preferable to carry out various modifications accordingly.

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 3370 may be provided in a DBMS on a financial system provided on the loan product subscription system (or associated with the loan product subscription system). The storage medium 3370 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3370 may include an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The relay server 3300 provided on the loan product subscription system according to the present invention is a generic term for the components of the loan product subscription system connected to the terminal device through a predetermined network means, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the relay server 3300 may be configured on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the relay server 3300 is provided on the wireless banking system. A wireless banking server, a program included in the wireless banking server, a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server (or device) A program included in, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the relay server 3300 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the embodiment of the present invention, the relay server 3300 is characterized in that it comprises an interface unit 3305 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 3305 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3305 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the loan product subscription server 3330, the interface unit 3305 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 3305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 3305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the relay server 3300, the interface unit 3305 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 3305 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 3305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 33, when the predetermined terminal device connects a predetermined communication channel with the loan product subscription server 3330 through the interface unit 3305, the relay order (or contract) Generate (or select) loan product subscription application information corresponding to the electronic order-based loan product application form and send the loan product subscription server 3330 to the loan product subscription server 3330 for financial support based on And an interface providing unit 3310 which provides the generated (or extracted) user interface to the terminal device in association with the interface unit 3305 and the electronic device through the user interface. Input (or select) and send loan product subscription application information corresponding to the order-based loan product application form, and then enter the interface. An information receiver for receiving the loan product subscription application information transmitted from the terminal device in association with 3305 and an information transmitter for transmitting the received loan product subscription application information to the loan product subscription server 3330. It is characterized by consisting of (3320).

The interface provider 3310 connects a predetermined communication channel with the relay server 3300 through the interface unit 3305, and then receives the electronic order-based order company from the relay server 3300. When requesting a user interface for funding, the terminal device generates (or selects) predetermined loan product subscription application information and generates at least one user interface for transmitting to the relay server 3300 through the network means. Or extracting from a predetermined database (not shown) and providing the generated user interface (or extracted) to the terminal apparatus through the network means in association with the interface unit 3305.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 3310 is provided by a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3305.

According to another exemplary embodiment of the present disclosure, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 3310 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3305.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 3310 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 3305. Do.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined loan product subscription application information to the relay server 3300 through the network means. When the information registration program is provided, the terminal apparatus is generated (or extracted) by inputting (or selecting) predetermined loan product subscription application information as described above and transmitting it to the loan product subscription server 3330. The interface providing unit 3310 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information through the user interface. The input (or selected) loan product subscription application information is transmitted to the loan product subscription server 3330 via the network means. In response, the information receiving unit 3315 is connected to the interface unit 3305 to provide the loan product subscription application information. And receiving the loan product subscription request information transmitted from the terminal device.

According to an embodiment of the present invention, the terminal apparatus may include the loan product subscription server in the loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information. The network means further includes at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the loan product subscription application information in 3330 It is preferable to transmit to the relay server 3300 through.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method for loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. For example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or the like, or attaches a predetermined electronic signature to the loan product subscription application information. It is preferable to transmit to the relay server 3300 through a network means. For this purpose, the terminal apparatus has at least one encryption key corresponding to the encryption scheme, or a predetermined authentication including at least one encryption key. A certificate or a certified IC chip (or I) C card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the loan product subscription application information, and technical features of attaching a predetermined electronic signature to the loan product subscription application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, when the relay server 3300 receives the loan product subscription request information transmitted from the terminal device through the information receiver 3335, the relay server 3300 may apply to the contractor customer information included in the received loan product subscription application information. And an information transmitter 3320 for transmitting the loan product subscription application information to the loan product subscription server 3330 of the corresponding contract conclusion financial institution.

Referring to FIG. 33, the loan product subscription server 3330 may include an information receiver 3335 for receiving loan application subscription information of the contractor customer transmitted from the relay server 3300, and the received loan product. It is characterized in that the subscription application information is provided with a validity confirming unit (3340) to check whether the validity for the electronic order-based contractor funding support.

According to an embodiment of the present invention, the loan product subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). ), The validity verification unit 3340 is configured to at least one decryption method (for example, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. Or electronic envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received loan product subscription application information.

Alternatively, when a predetermined electronic signature is attached to the loan product subscription application information, the validity check unit 3340 checks the electronic signature attached to the loan product subscription application information, thereby receiving the received loan product subscription application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption methods for decrypting the encrypted loan product subscription application information, and the technical to confirm the electronic signature attached to the loan product subscription application information Since you will be familiar with the features, a detailed description thereof will be omitted.

When the loan product subscription application information received through the information receiving unit 3335 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the loan product subscription application information, the validity confirmation unit 3340, it is preferable to verify the validity of the received loan product subscription application information by comparing and authenticating the password included in the loan product subscription application information and the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the loan product subscription request information received through the information receiver 3335 further includes predetermined security card information for confirming the validity of the loan product subscription request information, the validity confirming unit 3340 Compares and authenticates the security card information included in the loan product subscription request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received loan product subscription application information. desirable.

Alternatively, when the loan product subscription application information received through the information receiver 3335 further includes a predetermined OTP code for checking the validity of the loan product subscription application information, the validity confirmation unit 3340 By comparing and authenticating the received OTP code included in the loan product subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received loan product subscription application information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the loan product subscription application information is at least one or more ledger information matching the loan product subscription application information in the ledger D / B on the financial system associated with the loan product subscription system It is preferable to include checking whether it is registered.

For example, the validity check of the loan product subscription request information includes checking whether the contractor customer information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity confirmation of the loan product subscription application information is the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system account information of the client company included in the loan product subscription application information It is desirable to include checking that a match is found.

In addition, the validity check of the loan product subscription request information includes confirming whether the client company information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity of the loan product subscription application information is confirmed by the contractor customer information corresponding to the contractor customer information included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include whether or not the customer signing the contract for the application for credit support using the ordering information of the client company.

In addition, the validity confirmation of the loan product subscription application information is ordered by the customer of the ordering company corresponding to the customer information of the ordering company included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include checking whether the contract is signed to support the contractor credit information using the information.

Referring to FIG. 33, the loan product subscription server 3330 may receive the loan product subscription application information received through the information receiver 3335 based on the electronic order (or contract) through the validity verification unit 3340. If the validity for the corporate funding is authenticated, the contract period confirmation unit for confirming the contract period in the electronic order information (or ordering information) corresponding to the contractor customer information included in the validity of the loan product subscription application information ( 3345), the loan period setting unit 3350 for dividing the checked contract period into a predetermined unit period, and setting a loan period; and the client company information included in the loan product subscription application information that has been validated. Predetermined corresponding to the electronic order-based loan product based on the customer information, the loan product subscription information, the ordering company account information and the set loan period information Including information generation unit (3355) for generating an output product management information is characterized in that formed.

When the contract period checking unit 3345 is authenticated as validity of the loan product subscription application information through the validity authentication unit, the contractor customer information included in the loan product subscription application information is linked to the storage medium 3370. Confirm the electronic order information (or ordering information) corresponding to the (loan application customer information), and confirm the contract period between the client company customer and the client company customer from the confirmed electronic order information (or ordering information) It is done.

According to another exemplary embodiment of the present invention, the contract period checking unit 3345 checks the electronic order information (or ordering information) corresponding to the client information (loan support customer information) included in the loan product subscription application information. And confirming a contract period between the client company customer and the client company customer from the confirmed electronic order information (or ordering information).

When the loan period setting unit 3350 confirms the contract period between the client company customer and the client company customer from the electronic order information (or ordering information) through the contract period confirmation unit 3345, the confirmed contract period Is divided into a predetermined unit period, characterized in that for setting the loan period corresponding to the loan product.

For example, if a contract is concluded between the client company and the client company for one year and the contract amount is 100 million won, the contract period is divided into three months when the loan product is provided to the client company. The loan period of the loan product is three months, and by extending the total three times automatically until the contract period, it is possible to provide preferential loan rate according to the loan period.

When the loan period of the loan product is set by the loan period setting unit 3350, the information generation unit 3355 may receive the client company information, the ordering company customer information, and the loan product included in the loan product subscription application information. And generating predetermined loan product management information corresponding to the electronic order-based loan product based on subscription information and order company account information.

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company).

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

Referring to FIG. 33, the loan product subscription server 3330 may receive the loan product subscription application information received through the information receiver 3335 based on the electronic order (or contract) through the validity verification unit 3340. When the validity for the corporate funding is verified, and the contract period corresponding to the validity of the loan product subscription application information is confirmed and the loan period is set for the loan product, the loan product subscription application information and the information generation are generated. And an information storage unit 3360 for storing loan product subscription processing information including at least one loan product operation information generated by the unit 3355 in a predetermined storage medium 3370.

According to an embodiment of the present invention, when the storage medium 3370 is provided in the loan product subscription server 3330 or on the network associated with the loan product subscription server 3330, the information storage unit ( 3360 preferably stores the loan product subscription processing information including at least one of the received loan product subscription application information and the loan product operation information in the storage medium 3370.

According to another exemplary embodiment of the present invention, when the storage medium 3370 is provided in a DBMS provided on a financial system, the information storage unit 3360 may include the received loan product subscription application information and the loan product operation information. It is preferable to provide the loan product subscription processing information including at least one of the information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 33, the loan product subscription server 3330 checks the loan period corresponding to the loan product subscribed to by the client company, and when the checked loan period expires, automatically extends the processing within the contract period. It is characterized in that the configuration to include a loan product management unit (3365).

According to the implementation method of the present invention, the loan product management unit 3365 checks the credit status change status of the client company customer, at the time of expiration of the loan period corresponding to the loan product subscribed to the client company customer, the confirmation It is characterized in that it does not perform the automatic extension of the loan period of the loan product in accordance with the situation of the customer credit rating changes (eg, credit decline).

In addition, according to another implementation method of the present invention, the loan product management unit 3365 by requesting the customer of the change situation information (for example, contract extension, contract destruction, contract change, etc.) for the contract, When the change situation information on the contract is received from the client company customer, it is characterized in that the automatic extension of the loan period of the loan product in accordance with the received contract change information.

In addition, according to another implementation method of the present invention, the loan product management unit 3365 by requesting the customer of the change situation (for example, contract extension, contract destruction, contract change, etc.) for the contract, When the change status information of the contract is received from the client company customer, it is characterized in that the automatic extension of the loan period of the loan product in accordance with the received contract change status information.

In addition, according to another embodiment of the present invention, the loan product management unit 3365 is the order information relay server 3300 change situation information on the contract (for example, contract extension, contract breaking, contract change, etc.) By requesting, when the change situation information about the contract is received from the ordering information relay server 3300, it is characterized in that not to automatically extend the loan period of the loan product in accordance with the received contract change information .

34 is a diagram illustrating an electronic order-based loan product subscription process for funding an electronic order-based contractor according to an embodiment of the present invention.

In more detail, in FIG. 34, when the loan product subscription system shown in FIG. 33 includes a predetermined relay server 3300, the client terminal is relayed through a TCP / IP-based network (for example, the Internet). When accessing the server (3300), and provides a predetermined loan product subscription application information for subscribing to the electronic order-based loan product for funding the order-based company orders, the relay server 3300 subscribes to the loan product The application information is transmitted to the loan product subscription server 3330, and then the loan product subscription server 3330 includes at least one of the contractor customer information, the client company information, the loan product subscription information, and the contract company account information. Based on the loan product subscription application information to the subscription process for the electronic order-based loan products for financing the order-based contractor As for the implementation method, those skilled in the art to which the present invention pertains, various analogous implementation methods for registering the loan product subscription application information through the relay server (3300) by referring to or modified in this drawing 34 As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

34, the client terminal is referred to as " terminal " for convenience, and the relay server 3300 is referred to as " server " for convenience.

Referring to FIG. 34, when the terminal requests a web page including a user interface for funding the electronic order-based contractor company through a predetermined network (3400), the server correspondingly receives the order. Create (or extract) a user interface for inputting (or selecting) loan product subscription application information including at least one of corporate customer information, client company information, loan product subscription information, and order company account information. In operation 3405, the generated (or extracted) user interface is transmitted to the terminal through the network and output in operation 3410.

In addition, the process of transmitting or outputting the user interface to the terminal is preferably performed at least once according to the loan product subscription application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product registration information, and the ordering company account information through the user interface (3415). .

If the terminal receives (or selects) loan product subscription information including the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information (3420), In operation 3425, the loan product subscription application information input (or selected) through the financial transaction channel is transmitted to the server.

According to an embodiment of the present invention, the terminal joins the loan product on the loan product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the application information to transmit to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. , Symmetric key-based encryption method, public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, etc.) or by attaching a predetermined electronic signature to the loan product subscription application information. It is preferable to transmit to the server via a network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, Or the official certificate is provided on a predetermined IC chip (or IC card) Wu, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, at least one encryption product subscription application information including at least one of the ordering company customer information, the ordering company customer information, the loan product subscription information, and the ordering company account information. , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, and transmits to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, the car for checking the official certificate provided in the IC chip (or IC card) It is preferred that the reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the loan product subscription application information, and technical features of attaching a predetermined electronic signature to the loan product subscription application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, when the loan product subscription application information is received through the network, the server transmits the received loan product subscription application information to the loan product subscription server 3330 (3230).

Then, the loan product subscription server 3330 receives and reads the loan product subscription application information transmitted from the server to check the validity of the loan product subscription application information (3435).

According to an embodiment of the present invention, the loan product subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). ), The loan product subscription server 3330 is configured to at least one decryption method (eg, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. , Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received loan product subscription application information.

Or, if a predetermined electronic signature is attached to the loan product subscription application information, the loan product subscription server checks the electronic signature attached to the loan product subscription application information, the validity of the received loan product subscription application information It is desirable to authenticate.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption methods for decrypting the encrypted loan product subscription application information, and the technical to confirm the electronic signature attached to the loan product subscription application information Since you will be familiar with the features, a detailed description thereof will be omitted.

When the received loan product subscription application information further includes a predetermined password for checking the validity of the loan product subscription application information according to an embodiment of the present invention, the loan product subscription server 3330 is the loan It is preferable to authenticate the validity of the received loan product subscription application information by comparing and authenticating the password included in the product subscription application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the received loan product subscription application information further includes predetermined security card information for checking the validity of the loan product subscription application information, the loan product subscription server 3330 is the loan product subscription application It is preferable to authenticate the validity of the received loan product subscription application information by comparing and authenticating the received security card information included in the information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the received loan product subscription application information further includes a predetermined OTP code for checking the validity of the loan product subscription application information, the loan product subscription server 3330 is the loan product subscription application information Comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided to correspond to the customer on the DBMS, thereby authenticating the validity of the received loan product subscription application information It is preferable.

According to the implementation method of the present invention, the validity of the loan product subscription application information is at least one or more ledger information matching the loan product subscription application information in the ledger D / B on the financial system associated with the loan product subscription system It is preferable to include checking whether it is registered.

For example, the validity check of the loan product subscription request information includes checking whether the contractor customer information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity confirmation of the loan product subscription application information is the account ledger stored in the ledger D / B on the financial system associated with the contract information registration system account information of the client company included in the loan product subscription application information It is desirable to include checking that a match is found.

In addition, the validity check of the loan product subscription request information includes confirming whether the client company information included in the loan product subscription application information matches the customer ledger stored in the ledger D / B on the financial system. desirable.

In addition, the validity of the loan product subscription application information is confirmed by the contractor customer information corresponding to the contractor customer information included in the loan product subscription application information through the agreement information registration system shown in FIG. It is desirable to include whether or not the customer signing the contract for the application for credit support using the ordering information of the client company.

In addition, the validity of the loan product subscription application information is confirmed by the ordering company customer corresponding to the ordering company customer information included in the loan product registration application information through the agreement information registration system shown in FIG. It is preferable to include whether to confirm whether the contract signed customer to support the contractor credit using the order information.

If the validity of the loan product subscription application information is not authenticated (3440), the loan product subscription server 3330 generates a web page containing a predetermined financial product error information and transmits it to the relay server 3300 3445, the electronic order-based loan product subscription procedure is not performed.

On the other hand, if the validity of the loan product subscription application information is authenticated (3440), the loan product subscription server 3330 is linked with the storage medium 3370, the customer information of the contractor included in the loan product subscription application information ( Check the electronic order information (or ordering information) corresponding to the loan application customer information), and confirm the contract period between the client company customer and the client company customer from the confirmed electronic order information (or ordering information) (3450). .

According to another exemplary embodiment of the present invention, the loan product subscription server 3330 checks the electronic order information (or ordering information) corresponding to the customer information (loan support customer information) of the ordering company included in the loan product subscription application information. The contract period between the client company customer and the client company customer may be confirmed from the confirmed electronic order information (or ordering information).

When the contract period between the client company customer and the client company customer is confirmed from the electronic order information (or ordering information), the loan product subscription server 3330 divides the confirmed contract period into a predetermined unit period. A loan period corresponding to the loan product is set (3455).

For example, if a contract is concluded between the client company and the client company for one year and the contract amount is 100 million won, the contract period is divided into three months when the loan product is provided to the client company. The loan period of the loan product is three months, and by extending the total three times automatically until the contract period, it is possible to provide preferential loan rate according to the loan period.

Thereafter, the loan product subscription server 3330 corresponds to the electronic order-based loan product based on the ordering company customer information, the ordering company customer information, the loaning product subscription information, and the ordering company account information included in the loan product joining application information. Generates predetermined loan product management information (3460).

According to an exemplary embodiment of the present invention, the loan product operation information for the electronic order-based loan product may include loan interest rate information for a specific period within a loan period (or a contract period between a client company and a client company). .

The loan product operation information may further include basic information on financial products including various additional attributes of the financial product corresponding to the electronic order-based loan product and the financial product management institution.

Those skilled in the art to which the present invention pertains will be able to easily infer the configuration of the loan product management information corresponding to the financial product features and attributes, detailed description thereof will be omitted for convenience.

Thereafter, the loan product subscription server 3330 stores the loan product subscription processing information including at least one loan product subscription application information and the loan product operation information in a predetermined storage medium 3370 (3465). The loan product registration details of the generated (or extracted) and transmits to the server (3470).

According to an exemplary embodiment of the present invention, the storage medium 3370 may be provided in a DBMS on a financial system provided on the loan product subscription system (or associated with the loan product subscription system). The storage medium 3370 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3370 may include an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan product subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

According to the present invention, the corporate preferential loan product through the adjustment of the loan period, so that the corporate customers receive a preferential rate (or interest rate discount) service by paying short-term loan interest rate to the financial company, which is cheaper than the long-term loan interest rate, It can be expected to dramatically increase customer satisfaction.

In addition, according to the present invention, by providing the interest rate preferential (or interest rate discount) service to the corporate customer through adjustment of the loan period, increase the competitiveness of the loan-related financial products, induce the inclusion of potential customers to create new profits of financial companies You can expect.

In addition, according to the present invention, since the long-term loan period can be divided into unit periods to monitor changes in order contracts and credit changes of partner companies for each unit period, thereby preventing insolvent receivables that may occur in financial institutions, Investors can expect interest rates to stabilize.

Claims (4)

In a method of operating a loan product that a contracting company subscribes to based on the electronic ordering document (or electronic contract) of the ordering company, Storing electronic ordering (or electronic contracting) information including the contract term information in association with the ordering company information and the ordering company information in a predetermined storage medium in a predetermined information storage means; Confirming a contract period corresponding to the electronic purchase order (or electronic contract) in association with the storage medium in a predetermined contract period checking means; Setting a loan period for the loan product by dividing the checked contract period into a predetermined unit period in a predetermined loan period setting means; And And extending the loan period of the loan product automatically within the contract period when the loan period of the set loan product expires in a predetermined loan product operating means. The method of claim 1, When the loan period of the loan product expires in the loan product management means, the credit status change or contract change status of the contractor is confirmed, and the change of the loan product is determined according to the change status check result-credit decline, contract cancellation, etc. And not performing an automatic extension of the loan period. A recording medium comprising a program for executing the method of claim 1. In the system that manages loan products subscribed by the contractor based on the contractor's electronic order (or electronic contract), Information storage means for processing the electronic order (or electronic contract) information including the contract period information in association with the ordering company information and the ordering company information and storing the information on the predetermined storage medium; Contract term confirmation means for confirming a contract term corresponding to the electronic order form (or electronic contract) in association with the storage medium; Loan period setting means for dividing the confirmed contract period into a predetermined unit period to set a loan period for the loan product; And And a loan product operating means for automatically extending the loan period of the loan product within the contract period when the loan period of the set loan product expires.

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