KR20150058951A - Bank server handling customer's banking request using electronic documents - Google Patents

Abstract

Proposed is a method for enabling a bank server to provide an electronic application document having an electronic document format for applying bank dealing of a client to the client according to various embodiments and for storing the electronic application document in which client dealing information is written in the bank server. The bank server transmits an electronic application document of a document file format, in which the content of an offline document is electrically written and the same content is electrically displayed, among preparing documents which are necessary to apply a first bank transaction requested from a client to a terminal of the client; stores the received electronic application document in a client electronic document database by converting the electronic application document into an encrypted image file format when receiving the electronic application document which is authenticated by the client through an electronic signature from the terminal of the client; and executes other bank transaction applications and a first bank transaction application based on the stored electronic application document.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a bank server for processing bank transaction data,

The present invention relates to a bank computerized system for processing a customer's transaction application on-line.

Although banking via non-face-to-face channels such as phone banking or Internet banking has been widely used yet, in order to apply for some banking transactions, the customer must visit the bank's branch office or branch to complete the application documents and wait for the transaction application to be implemented do.

In particular, credit applications such as lending transactions, in which customers' credit is important, are limited in application for transactions using non-face-to-face channels compared to other banking services. However, if the client visits the branch office first to apply for a credit transaction and prepares the transaction application document and receives the other documents that the customer needs to prepare, he should visit the branch again after preparing the head preparation document.

The bank accepts certain kinds of preparation documents to process the customer's transaction application. Even after the transaction application has been executed, the loan documents received at the time the transaction application is processed must be kept. In the case of certain banking services, there are many types of preparation documents required to apply for transactions, and because of the high volume of documents, there are time and space constraints to keep transaction application documents.

In addition, the application documents for banking transactions include not only agreements and applications, but also required preparation documents such as customer information provision agreements that are required to be received by customers to protect customer information. However, whenever the same customer repeats a bank transaction application, the same agreement must be repeatedly received.

Therefore, even though online banking can be applied for non-banking bank transactions, the actual work related to the application documents must be performed offline or repeatedly, so that the paperwork environment needs to be improved for more convenient banking transactions.

According to various embodiments, a method is provided in which a bank server provides an electronic application document in electronic document format for a customer's bank transaction application to a customer, and stores the electronic application document in which the customer transaction information is written in the bank server. In accordance with various embodiments, the bank server proposes a method for utilizing previously stored electronic application documents for future bank transactions of the same customer.

The bank server according to various embodiments of the present invention processes a bank transaction application using an electronic application document. The bank server includes at least one bank transfer server Selecting a preparation document; The bank server transmitting an electronic application document of the same document format as the offline document of the determined at least one preparation document electronically and the electronic application document of a document file format having the same description electronically written to the customer terminal; The bank server receiving an electronic application document authenticated as an electronic signature by the customer from the customer terminal; Converting the received electronic application document into an encrypted image file format and storing the electronic application document in a customer electronic document database of the bank server; And registering the execution schedule of the first bank transaction application based on the received electronic application document.

According to various embodiments, the step of transmitting the electronic application dossier comprises at least one signature blank for filling in the signature of the customer, an information entry column for electronically filling in the transaction application content information of the customer, The bank server may transmit the electronic application document including at least one display blank for electronically displaying the electronic application document to the customer terminal. According to one embodiment, the step of receiving the electronic application document further comprises the step of receiving the signature, the transaction application content information, and the electronic signature authenticated by the electronic signature of the customer, And the bank server receiving the application document from the customer terminal.

The bank transaction application processing method according to various embodiments may further include a step in which the bank server receives a request for a second bank transaction request different from the first bank transaction request from the customer; Retrieving whether at least one electronic application document among the preparation documents required for the second bank transaction application is stored in the customer electronic document database; And if the electronic application document previously stored in the customer electronic document database is present, the bank server may execute the second bank transaction application using the previously stored electronic application document.

The bank server processing the bank transaction application using electronic application documents according to the various embodiments of the present invention is characterized in that among the preparation documents required for a plurality of bank transaction applications, the same external form as the offline document is shown electronically, An electronic application document database for storing electronic application documents in the electronic document file format; A customer electronic document database storing an electronic application document authenticated by the customer with the electronic signature; Determining at least one preparatory document that can be accepted online from the preparation documents required for the first bank transaction application requested by the customer and transmitting the electronic application document of the document file format corresponding to the determined at least one preparation document to the customer An electronic application document transmission unit for transmitting the electronic application document to the terminal; A customer electronic document storage unit for receiving an electronic application document authenticated by the customer's digital signature from the customer's terminal and converting the received electronic application document into an encrypted image file format and storing the converted electronic application document in the customer electronic document database; ; And a transaction application execution unit for executing the first bank transaction application based on the received electronic application document.

And a computer-readable recording medium having recorded thereon a program for computeratically implementing a method according to various embodiments of the present invention.

From the operation of writing the loan agreement details to the electronic application document through the customer terminal to the operation of performing the identity verification by using the electronic signature, the customer can carry out the online operation with the bank to submit the customer preparation document, In addition to visiting, the number of customer visits to bank branches can be minimized.

For example, if a customer submits a simple application, if a previously created document is missing, or if the terms of a transaction change, the customer can be re-visited to the customer online without having to re- The electronic application document can be accepted again from the terminal.

The bank server uses electronic application documents designed to be displayed in the same form as offline application documents, so electronic applications filed online may be viewed in the same format as offline paper documents. The electronic application documents that are received online in the future can be output as written documents and can be utilized together with the written documents received offline. For example, the electronic application documents that are received online can be output as written documents and used as payment documents.

In addition, even after banking has been implemented, electronic application documents are converted into an encrypted image file format and stored, and the stored files are transferred to the BPR (Business Process Reengineering) system, which reduces paperwork and provides a paperless work environment It can help to build.

FIG. 1 illustrates a block diagram of a bank server for processing a bank transaction application using an electronic application document in accordance with one embodiment.
FIG. 2 shows a flowchart of a bank transaction application processing method of a bank server according to an embodiment.
FIG. 3 illustrates a process of processing a bank transaction application using an electronic application document through a bank-integrated terminal of a bank server according to another embodiment.
FIG. 4 illustrates a process in which a bank server processes a loan application according to a specific embodiment.
FIG. 5 shows a user interface screen for inquiring the preparation documents required for a loan application by a bank server according to a specific embodiment.
FIG. 6 shows a user interface screen for receiving and registering electronic application documents required for a bank application by a bank server according to a specific embodiment.
FIG. 7 illustrates a process of registering an electronic application document through a loan document reception web page operated by a bank server according to a specific embodiment of the present invention.
8 and 9 illustrate a loan transaction agreement and a loan consultation application, respectively, among electronic application documents for applying for a loan according to a specific embodiment.

1 to 9, a structure of the bank server 100 according to an embodiment and a method of processing a bank transaction application using the electronic application document will be described in detail.

FIG. 1 illustrates a block diagram of a bank server 100 for processing a bank transaction application using an electronic application document in accordance with one embodiment.

The bank server 100 according to one embodiment includes an electronic application document database 110, a customer electronic document database 120, an electronic application database 120, A document transmission unit 130, a customer electronic document receiving unit 140, and a transaction application execution unit 150. [

The bank server 100 according to an embodiment includes an electronic application document DB 110, a customer electronic document DB 120, an electronic application document transmission unit 130, a customer electronic document reception unit 140, (Not shown) that collectively controls the processor 150 (e.g. Alternatively, the electronic application document DB 110, the customer electronic document DB 120, the electronic application document transfer unit 130, the customer electronic document receiving unit 140, and the transaction application execution unit 150 may be stored in their respective processors , And the bank server 100 may be operated as a whole as the processors (not shown) operate mutually organically. Alternatively, the electronic application document DB 110, the customer electronic document DB 120, the electronic application document transfer unit 130, and the customer (customer) DB 130 are controlled according to the control of an external processor (not shown) of the bank server 100 according to an embodiment. The electronic document receiving unit 140 and the transaction application execution unit 150 may be controlled.

The electronic application document DB 110, the customer electronic document DB 120, the electronic application document transfer unit 130, the customer electronic document receiving unit 140 and the transaction application execution unit 150 according to an embodiment And a data storage unit (not shown) for storing input / output data generated in the process of processing the input / output data. The bank server 100 may include a memory control unit (not shown) for controlling data input / output of the data storage unit (not shown), the electronic application document DB 110 and the customer electronic document DB 120.

The bank server 100 according to an exemplary embodiment of the present invention can communicate with a bank integrated terminal such as a branch terminal or a branch terminal of a bank server 100 via a network. A bank integrated terminal such as a branch terminal or a branch terminal may be located at a bank branch or a branch office, but may access the bank server 100 and perform an electronic service using a central resource of the bank server 100.

A network according to an exemplary embodiment includes an open Internet, a wired Internet network including a closed intranet, a wireless Internet network interworking with a mobile communication network, a TCP (Transmission Control Protocol) / IP (Internet Protocol) And possible communication means such as a computer network capable of various data communication including data communication based on the same protocol. For example, the bank server 100 can perform data communication based on an IP socket method or a web socket method. In addition, the network according to an exemplary embodiment may be a wireless LAN, a Wi-Fi, a 3G, a WiMAX, a WiBro, a wireless mesh network, an Ultra Wide Band (UWB), a ZigBee, Downlink Packet Access) or the like. It should be noted, however, that the various communication standards listed above are merely various examples of communication standards that can be adopted by the network of the present invention, and thus are not construed as being limited thereto.

Data communication between the bank server 110 and the customer terminal 180 is possible through the network according to one embodiment. The customer terminal 180 according to one embodiment may be a wireless terminal such as a smart phone, a smart pad, a PDA (Personal Digital Assistants), a laptop, a slate PC, Network-enabled personal computing device.

Preparation documents required for banking applications may be categorized into bank preparation documents prepared by the bank and provided to customers and customer preparation documents that the customer must prepare and provide to the bank. The electronic application document DB 110 according to an embodiment is an electronic application document DB 110 according to an exemplary embodiment of the present invention. In the bank preparation documents required for a plurality of bank transaction applications, the same external form as the offline document is shown electronically, You can save the application documents.

The electronic application dossier according to the specific example may include at least one signature space for filling the customer's signature. The electronic application document according to one embodiment may include an information entry field for electronically filling in the transaction application content information of the customer, at least one display space for electronically displaying the agreement of the customer, and the like. In addition, an identification mark such as a barcode written in an offline document may be included in the electronic application document.

The customer electronic document DB 120 according to the embodiment can store the electronic application document authenticated by the customer's electronic signature. After the electronic application document stored in the electronic application document DB 110 according to the embodiment is authenticated by the customer's electronic signature, the electronic application document is converted into the encrypted image file format, And can be stored in the document DB 120. Accordingly, the customer's electronic application document stored in the customer electronic document DB 120 can be stored in an image file format in which the customer's own electronic application document is encrypted.

The electronic application document transmission unit 130 according to an exemplary embodiment can determine at least one preparation document that can be accepted online from the preparation documents required for the first bank transaction application requested by the customer. The electronic application document transmission unit 130 according to an embodiment can transmit an electronic application document in a document file format corresponding to at least one preparation document decided to be accepted online, to the customer terminal 180. [ The electronic application document transfer unit 130 according to the embodiment can acquire the electronic application document in the document file format from the electronic application document DB 110 and transmit it to the customer terminal 180. [

The customer electronic document receiving unit 140 according to the embodiment can receive the electronic application document authenticated by the customer in the electronic signature from the customer terminal 180. [ The customer electronic document receiving unit 140 according to one embodiment can convert the electronic application document received from the customer terminal 180 into an encrypted image file format and store the converted electronic application document in the customer electronic document DB 120. [ The electronic application document stored in the customer electronic document DB 120 according to one embodiment can be registered as the customer electronic document.

The transaction application execution unit 150 according to the embodiment can register the execution schedule of the first bank transaction application based on the electronic application document received by the customer electronic document reception unit 140. [

The bank server 100 according to an embodiment may receive a request for output of an electronic application document from a branch office terminal or a predetermined terminal. The bank server 100 may receive a scan document of a settlement document in which a settlement has been completed from a bank transaction application document including an output copy of the electronic application document and a written document received offline. The scanned document of the received settlement document can be stored in the customer electronic document DB 120. [

When the second bank transaction application is requested from the same customer after the execution of the first bank transaction application, the bank server 100 according to the embodiment selects, from among the electronic application documents necessary for the second bank transaction application, In order to check whether there is a registered electronic application document, customer electronic documents previously stored in the customer electronic document DB 120 according to an embodiment can be searched. If there is an electronic application document already registered, the transaction application execution unit 150 according to the embodiment can execute the second bank transaction application using the customer electronic document already stored in the customer electronic document DB 120. [

Hereinafter, the bank server 100 according to an embodiment of the present invention will be described in detail with reference to FIG. 2 for executing a bank transaction application using an electronic application document.

FIG. 2 is a flowchart illustrating a bank transaction application processing method of the bank server 100 according to an embodiment of the present invention.

In step 210, the electronic application document transmission unit 130 according to one embodiment can select at least one preparation document that can be accepted online from the preparation documents required for the first bank transaction application requested by the customer. In step 220, the electronic application document transfer unit 130 according to the embodiment registers the electronic application in the electronic application document DB 110 in the form of a document file format in which the same external form as that of the offline document is shown electronically, The document can be searched and transmitted to the customer terminal 180.

The electronic application document transmission unit 130 according to one embodiment can transmit electronic application documents to the customer terminal 180 through e-mail, web mail, SMS (Short Message Service), MMS (Multimedia Message Service)

In step 230, the customer electronic document receiving unit 140 according to the embodiment can receive the electronic application document authenticated by the user using the public key certificate based on the electronic signature of the customer, from the customer terminal 180.

The electronic application document transmission unit 130 according to an embodiment includes an electronic application document including at least one signature blank for filling in a signature of the customer and an information entry column for electronically writing the transaction application content information of the customer, To the terminal 180. Accordingly, the customer electronic document receiving unit 140 according to the embodiment can receive the electronic application document authenticated by the customer terminal 180 with signature and transaction application content information additionally authenticated, from the customer terminal 180 have.

The electronic application document transmission unit 130 also transmits an electronic application document including at least one signature blank for filling in a signature of the customer and at least one display space for electronically displaying the consent of the customer to the customer terminal 180 ). In this case, the customer electronic document reception unit 140 can receive, from the customer terminal 180, the electronic application document to which the signature and the customer's consent indication are additionally written and authenticated by the customer at the customer terminal 180. [

According to one embodiment, the identity authentication process can be further performed using the customer's authorized certificate in the electronic application document in which the signature, customer information, and agreement indication are written by the customer. As an official certificate, an electronic signature certificate issued by an accredited certification authority can be used. For example, accredited certification bodies are institutions such as Financial Supervisory Service, Korea Securities Computing, Korea Information Certification, Korea Computerization Agency, Korea Electronics Certification, and Korea Trade Information & Telecommunication. The specialized service area is specialized for each certification body. Of these, the personal authentication process for bank internet banking in the financial sector can be performed through the official authentication service of KFTC. Accordingly, the customer electronic document receiving unit 140 according to one embodiment can receive the customer electronic document in which the signature, the customer information, or the agreement indication is written in the customer terminal 180 and authenticated as an authentic certificate.

step At 240, the customer electronic document reception unit 140 can store the received electronic application document in the customer electronic document DB 120. The customer electronic document receiving unit 140 according to one embodiment can convert the received electronic application documents into an encrypted image file format and store them in the customer electronic document DB 120. [

In step 250, the transaction application execution unit 150 can register the execution schedule of the first bank transaction application based on the electronic application document received by the customer electronic document reception unit 140. [

If the preparation document for the first bank transaction application is completed using only the customer electronic document received by the customer electronic document receiving unit 140 according to the embodiment, the execution reservation of the first bank transaction application is registered using the customer electronic document can do.

It is possible to register the execution schedule of the first bank transaction application using not only the customer electronic document received by the customer electronic document receiving unit 140 according to the embodiment but also the remaining preparation documents received offline. Some preparation documents for the online web page format, which is provided through the Internet Transaction Application Web Service, may be accepted.

For example, when a loan application is received, the bank server 100 may request an online loan review to a loan review agency, or perform an offline loan review at a bank branch or the head office. The bank server 100 receives the examination result information according to the online loan examination and the offline loan examination result information of the bank branch or the bank head office and registers the loan execution reservation based on the examination result.

A bank transaction for which an execution reservation is registered can be executed when payment is completed.

In step 260, the bank server 100 may receive a request for output of the electronic application document from a bank terminal such as a bank branch office terminal. The bank server 100 may receive an output request to settle the electronic application document offline. The bank server 100 may transmit an electronic application document in an image file format that can be output to the bank terminal that requested the output. The electronic application document in the printable image file format can have the same appearance as the offline application document and include the approval line.

When the bank branch terminal outputs the received electronic application document, the output document of the electronic application document can be used as the offline settlement document. Accordingly, the written document received offline and the output document of the electronic application document can also be used as an offline settlement document. The bank branch office terminal may scan the settlement documents for which settlement has been completed, and may transmit the scanned settlement documents to the bank server 100.

In step 270, the bank server 100 may receive a scanned document of the settlement document, which has been completed from the bank transaction application document including the output document of the electronic application document and the written document received offline, from the bank branch office terminal. The bank server 100 can store the scanned payment documents in the customer electronic document DB 120. [

The bank server 100 according to the embodiment may execute the next bank transaction application of the same customer using the customer electronic document already stored in the customer electronic document DB 120. [

For example, the bank server 100 may be requested to apply for a first bank transaction from a customer and a second bank transaction, which is a heterogeneous transaction. For example, a first bank transaction application is a household loan application, and a second bank transaction application may be an automobile loan application.

The bank server 100 according to the embodiment can search the customer electronic document database 120 for at least one electronic application document out of the preparation documents required for the second bank transaction application. If there is an electronic application document previously stored in the customer electronic document DB 120 according to the embodiment, the bank server 100 can execute the second bank transaction application using the previously stored electronic application document.

As another example, the bank server 100 may be requested by the customer to apply for the third bank transaction, which is a similar transaction to the first bank transaction request. For example, the first bank transaction application and the third bank transaction application may all be household loan applications. If at least one electronic application document among the preparation documents required by the bank server 100 for applying for the third bank transaction is stored in the customer electronic document DB 120 in advance, The transaction application can be executed.

In the electronic application document DB 110 according to the embodiment, among the preparation documents necessary for bank transaction application, preparation documents capable of online acceptance may be stored in a document file format. As a specific example, the electronic document DB 110 may be stored in a form of a PDF file format in which an offline document form of a preparation document capable of online acceptance, that is, a font, an image, a graphic, a document form, . In addition, electronic application documents may be stored in the electronic application document DB 110 in the form of an inputable PDF file format so that the customer's signature, transaction application content information, and agreement indication can be written in the electronic application document.

For example, a preparation document for a loan application may be classified into a bank loan document to be returned to the customer at the bank server 100, and a customer loan document to be prepared by the customer and provided to the bank. As a bank lending document for loan application, loan consultation and application form, loan transaction agreement, additional agreement for interest rate preference, consent for collection of personal credit information, consent of Korea Housing Finance Corporation, debt status table, COFIX letter of commitment, loan A statement of interest payment date and interest rate change service application, a credit guarantee application, a credit guarantee agreement, a power of attorney, and a description of the household loan product may be provided to the customer first on the bank side. In addition, the customer loan documents for the application of the loan include documents such as a lease contract with a fixed date, a copy of a resident registration, a copy of a registration certificate, a certificate of qualification (a certificate of employment, a copy of medical insurance certificate, a copy of business registration certificate), proof of income (withholding receipt for earned income, A certificate of income, a certificate of income, a copy of the payroll, etc.) can be prepared by the customer and delivered to the bank.

According to one embodiment, the electronic application documents that can be electronically accepted from the bank preparation documents may include a household loan product manual, a National Housing Fund loan application, a loan transaction agreement, a loan transaction application such as loan consultation and application, and a transaction agreement. In addition, the electronic application document provided in a document file format that can be input to the customer terminal 180 according to an exemplary embodiment includes a loan agreement, a personal information provision agreement, a personal credit information inquiry agreement, a personal credit information collection use provision agreement, It may also include consent forms such as credit information collection, use, and provision agreement. In addition, the electronic application document provided in an inputtable document file format according to an embodiment includes an application form for a loan, a date of payment, a statement of interest change, a debt status table, a credit guarantee application, a credit guarantee agreement, Additional documents may also be included, such as a power of attorney, additional agreements and a COFIX confirmation letter.

After the customer's signature, transaction application content information or agreement indication is written in the customer terminal 180 according to the embodiment, the customer electronic document authenticated by the customer is converted into the encrypted image file format and then transmitted to the customer electronic document DB 120 ). ≪ / RTI > The bank server 100 according to the embodiment may provide not only the application documents and the agreement for the current bank transaction application, but also various agreements that can be commonly used in the same kind bank transaction or the heterogeneous bank transaction as electronic application documents. Accordingly, when the encrypted image file format is stored in the customer electronic document DB 120 and registered as the customer electronic document in the bank server 100 according to the embodiment, . The bank server 100 according to the embodiment may precede the customer agreement for the process of reusing the existing electronic document in order to perform another bank transaction using the previously registered electronic document.

In addition, since the customer electronic document registered in the bank server 100 is an output image file format, it can be output by the bank integrated terminal or the customer terminal 180 and used as an offline document.

In addition, the bank server 100 according to the embodiment also provides additional electronic documents required for various bank transaction applications, so that various bank transaction applications can be executed using electronic application documents.

The bank server 100 according to another embodiment can receive and process a customer's bank transaction application through a bank integrated terminal. FIG. 3 shows a process of processing a bank transaction application using an electronic application document through a bank integrated terminal 300 of a bank server 100 according to another embodiment.

At a branch or branch office of a bank, when a bank transaction application is received from a customer, the customer can confirm whether the user agrees to apply for the transaction using the electronic application document. At step 310, the bank integrated terminal 300 according to another embodiment may send at least one transaction electronic document 315 to the customer terminal 180 to request the electronic contract, have. The bank integration terminal 300 according to another embodiment may access the transaction electronic document DB 110 of the bank server 100 or request the bank server 100 to obtain the electronic application document necessary for bank transaction application . The bank consolidation terminal 300 searches the transaction electronic document DB 110 of the bank server 100 for the preliminarily stored preparation documents among the preparation documents required for bank transaction application currently in process, 100).

 For example, if a loan transaction is requested, a list of common documents that must be received by loan subject can be searched. The bank integrated terminal 300 according to another embodiment may select a document to be requested from the inquired list of documents to the customer. If the customer is approved for loan through the ACE (Automatic Credit Evaluation) system, the bank integrated terminal 300 can automatically reflect the customer's transaction application content information on the information entry column of the electronic application document. The bank integration terminal 300 can determine the request for accepting the electronic application document to the customer terminal 180 after confirming the details written in the automatically generated electronic application documents in accordance with the ACE approval.

The customer terminal 180 according to another embodiment may send an online message such as SMS to the customer's mobile phone or the customer terminal 180 to notify the customer of the request for accepting the electronic application document. An electronic authentication process may be added to an online message for requesting electronic application documents, and online message inquiries may be allowed after the authentication has been passed.

Accordingly, the electronic application document transmission unit 130 according to another embodiment can provide electronic application documents of the electronic document format searched or requested by the bank integration terminal 300 to the bank integration terminal 300. The bank integration terminal 300 according to another embodiment may transmit the electronic application document for bank transaction to the customer's e-mail or web mail so that the customer terminal 180 can download the electronic application document.

Alternatively, the bank integration terminal 300 may transmit a web address through which the customer terminal 180 can download electronic application documents for bank transaction application via the customer's e-mail, Web mail or MMS. The web address from which electronic application documents can be downloaded may be an address of a web site operated by the bank server 100 according to another embodiment or a web address directly or indirectly associated with the bank server 100.

In step 320, the customer terminal 180 authenticates the electronic application document received from the bank integration terminal 300 or the bank server 100 using the public key certificate 328 based on the electronic signature of the customer, 325). The customer terminal 180 can transmit the customer electronic document 325 authenticated by the user to the bank integrated terminal 300. [

The customer terminal 180 according to another embodiment may register the customer electronic document 325 on the web page operated by the bank server 100 or may transmit the web address to the bank integration terminal 300 or the bank server 100 The customer electronic document 325 may be transmitted to the bank server 100 based on the customer electronic document 325. [

For example, after accessing the bank web site provided by the bank server 100, the customer terminal 180 may check the electronic application document list to be created electronically by the customer terminal 180 for bank transaction application. In addition, the customer terminal 180 may also inquire contents of the electronic application type through the bank web site.

In addition, the customer terminal 180 may inquire an image copy of the electronic application document 325. [

In step 330, the bank integrated terminal 300 according to another embodiment confirms the agreement details of the customer electronic document 325 received from the customer, and can execute the transaction application if the agreement details are correct. In addition, the bank integrated terminal 300 according to another embodiment may convert the customer electronic document 325 of the customer whose execution of the transaction application is confirmed into the encrypted image file format. The customer electronic document 325 converted into the image file format may be output and used as an offline document at a branch or branch office.

In step 340, the bank integrated terminal 300 may transmit the customer electronic documents 345 converted into the image file format to the bank server 100, and store the customer electronic documents 345 in the customer electronic document database 120. If there are documents received in offline, the bank integrated terminal 300 may transmit the scanned document files generated by scanning the offline documents together with the electronic application documents 345 to the bank server 100. In an offline work environment, an output copy of an offline print and customer electronic documents 345 may be assembled.

The bank integrated terminal 300 according to the embodiment is configured to send the customer electronic document 345 as a BPR system so that the customer electronic document 345 is registered in the BPR system when the customer electronic document 345 is stored in the customer electronic document DB 120 ) And an update list. According to another embodiment, electronic copies of the customer electronic documents 345 may be used so that off-line written documents may be sent to a BPR (Business Process Reengineering) center.

Accordingly, the bank server 100 according to the embodiment constructs the transaction electronic document DB 110 and stores preparation documents required for various bank transaction applications such as the transaction electronic document 315, Alternatively, the bank integration terminal 340 can inquire the transaction electronic document 315 online and selectively provide the transaction electronic document 315 to the customer terminal 180. The transaction application content information including the customer's personal information and transaction application information is additionally written on the customer terminal 180 based on the transaction electronic document 315 and the customer electronic document 335 authenticated as the customer can be created online have.

In addition, since the customer electronic document 345 can be created in a form similar to offline written documents and then stored in the customer electronic document DB 120 of the bank server 100 in an encrypted image file format, the customer electronic document DB 120 The customer electronic document 345 stored in the customer electronic document 345 may be later retrieved online and used for another bank transaction. Since the image file of the customer electronic document 345 stored in the bank offline work environment can be output in writing or can be provided for writing approval or BPR management, it can be used for offline business.

Hereinafter, as a specific example of a bank transaction application, a process of the bank server 100 processing a loan application when a loan application is received from a customer will be described in detail with reference to FIG. FIG. 4 illustrates a process in which the bank server 100 processes a loan application according to a specific embodiment.

The bank server 100 according to an embodiment may request the loan review unit (not shown) of the bank server 100 to conduct an ACE audit to perform a loan check to determine whether the customer is able to make a loan.

 In step 420, the bank integrated terminal 300 can confirm the ACE screening and determination result. For example, an ACE audit result may be determined to be rejected or approved (including conditional approval), and an off-line audit of a branch or headquarters may be performed. In other words, an online loan review such as an ACE audit and an offline loan review at a branch or headquarters can be performed in parallel. According to the result of loan application, if loan qualification is granted to customer, loan contract form and attached documents can be requested to the customer.

In step 430, the bank integrated terminal 300 can re-verify whether a reverse margin can occur due to the loan interest when the loan qualification of the customer is approved as a result of the loan application, and finally complete the loan approval to the customer. When the loan approval is completed, the bank integrated terminal 300 can request electronic writing to the customer terminal 180 of the customer.

The bank integration terminal 300 according to an embodiment of the present invention inquires the preparation documents (hereinafter, referred to as 'loan documents') necessary for a customer's loan application through a user interface called an 'integrated terminal system' linked to the bank server 100 You can register.

Hereinafter, a 'smart loan document' is a term collectively referred to as an electronic application document and a customer electronic document for a loan application according to an embodiment. For example, a list of necessary documents for each subject can be inquired in the 'inquiry of loan documents' screen of the integrated terminal system, and a list of 'smart loan documents receipt list' which can be received online from the required documents list can be inquired. The electronic document receipt process using the loan document inquiry screen and the smart loan document receipt list screen of the integrated terminal system will be described later with reference to FIGS. 5 and 6. FIG.

The customer terminal 180 according to one embodiment can access the smart loan application web page operated by the bank server 100 and download the electronic application document. The smart loan application web page to which the customer terminal 180 can access will be described later with reference to FIG. The customer terminal 180 according to the embodiment can transmit the customer electronic document that has been authenticated by the electronic signature to the bank server 100 by registering the customer electronic document on the downloaded smart electronic application document .

Upon receipt of the customer electronic document from the customer terminal 180, the bank integrated terminal 300 according to the embodiment can register the corresponding customer electronic document on the smart loan document acceptance list screen of the integrated terminal system. In a similar manner, a customer electronic document received from a customer is registered for each item of the Smart Loan Document List screen, thereby collecting the electronic application document of the customer, that is, the smart loan document.

A customer agreement on whether or not the smart loan document provided from the customer terminal 180 to the bank server 100 in advance can be used for the online loan transaction application before accepting the smart loan document, Format, stored in the bank server 100, and can be used for future online bank transactions. Accordingly, the bank server 100 can acquire a customer consent form for receipt of smart loan documents including customer consent for availability of smart loan documents online and customer consent for storage and recyclability of smart loan documents.

Accordingly, when there is a customer agreement document for accepting the smart loan document according to the embodiment, the bank integration terminal 300 completes the document acceptance for the loan application based on the smart loan document and the written document received offline . In addition, when the customer electronic document of the image file format pre-stored in the head office electronic application document DB 120 of the bank integrated terminal 300 is searched and the pre-stored customer electronic document is searched, the pre-stored customer electronic document, Both smart loan documents and written documents can be accepted as loan documents. The bank consolidating terminal 300 can confirm whether all required loan documents have been accepted and notify the customer terminal 180 that the loan application has been completed.

In step 440, the bank consolidation terminal 300 can register the loan reservation execution to the bank server 100 together with the completion of the loan application. If the bank server 100 finishes the payment for the loan application and executes the loan for the customer based on the registered loan reservation execution, the loan transaction for the customer can be actually implemented.

In step 450, the bank consolidating terminal 300 converts the smart loan documents received from the customer into the encrypted image file format and outputs the converted smart loan documents to the bank server 100 ). ≪ / RTI >

For example, smart loan documents in an encrypted image file format can be delivered to a billing person via an online payment system and paid for.

In addition, the loan document inquiry list of the integrated terminal system of the bank server 100 according to one embodiment includes the written documents received for the current loan transaction application, and the newly received smart loan documents are added to the smart loan document acceptance list . The bank server 100 according to the embodiment can automatically transmit the loan document inquiry list and the smart loan document receipt list of the updated integrated terminal system to the management list of the BPR system.

According to another embodiment, in the offline business environment of the branch office and the branch office of the bank server 100, the rearrangement work of the loan document of the already executed loan transaction and the settlement work can be performed as the subsequent job of the online business, Can be printed out in writing and used as a settlement document.

Specifically, the bank integrated terminal 300 may request the output of the smart loan document for approval of the smart loan document registered for execution of the loan reservation. For loan documents containing output documents of smart loan documents and written documents received off-line, the settlement person can complete the settlement offline. The bank integrated terminal 300 may scan the loan document including the payment completion indication as the settlement completion document and transmit the image file of the loan settlement document to the bank server 100. [

The written application documents, including a printed copy of the smart loan documents of already executed loan transactions and written documents that were received offline, may be sent to the BPR center.

Accordingly, the bank integrated terminal 100 according to the embodiment can receive the loan review determination result in parallel with the online loan review and the offline loan review. In addition, a loan settlement document may be stored in the bank server 100 by using a print copy of the smart loan document received online and a written document received offline.

Accordingly, the bank server 100 can acquire customer documents on-line using the smart loan documents and output them, and use them as payment documents together with the offline application documents. In addition, the output documents of the smart loan documents and the offline application documents Can be scanned together and stored in the customer electronic document DB. Therefore, it is possible to use the smart loan documents and offline documents that are received online from the examination of the loan application to the approval stage.

5 to 7, a process of accepting a loan document for a loan transaction application through a user interface screen of an integrated terminal system according to an exemplary embodiment will be described in detail.

FIG. 5 shows a user interface screen for inquiring the preparation documents required for a loan application by a bank server according to a specific embodiment. The user interface screen of FIG. 5 may show the above-mentioned loan document inquiry list.

The bank integrated terminal 300 according to one embodiment can connect to the integrated terminal system operated by the bank server 100 and establish a 'inquiry and send loan document' window 500. The operation of inputting data into the input boxes of the 'loan document inquiry and dispatching' window 500 or all the operations of clicking the buttons may be transmitted to the bank server 100 as a loan document related request have.

The integrated terminal 300 may select the 'approval inquiry' button 510 after inputting the approval number to inquire the loan document or the 'inquire by product' button 530 after inputting the commodity code.

In the case of using the approval number, five items may be displayed in the loan approval information window 520 when the 'approval approval' button 510 is selected. For example, in the 'Handling category' item, the 'Application amount' item displays the loan application amount, 'Approval status' shows the approval / conditional review, and 'Application point' The item number and the number of the receipt number are displayed in the item, and the item of "application note point" may be displayed in the item of "application point note".

When the 'view by item' button 530 is selected to use the item code, the loan approval information window 520 may be deactivated.

In the 'common reference' item and the 'item-specific item' item (540), a note in the document reception may be displayed in a text format.

The selected loan document using the 'Select' box 550 may be deleted from the loan document list via the 'Add / Remove Documents' button 560. If the 'add / delete document' button 560 is selected without displaying the 'select' box 550, a new document can be added to the loan document list. The bank integrated terminal 300 can select the 'document registration' button 565 to complete document registration.

The integrated terminal 300 may select the 'smart acceptance request' button 570 to call the smart loan document acceptance screen. As the 'smart acceptance request' button 570 is selected, the 'smart loan document acceptance registration' window 600 of FIG. 6 can be called.

When the integrated terminal 300 selects the 'Net point document submission registration' button 580, the credit approval information of the customer can be linked to the Internet banking site operated by the bank server 100 or the loan transaction application site. The bank server 100 may access the internet banking site or the loan transaction application site to guide the customer terminal 180 to create a loan document through a web page.

You can tell whether the loan documents can be accepted through either the Net point acceptance, the smart acceptance, the credit information acceptance, or the application point acceptance via the 'document recruitment method' item (590) of the inquiry list of loan documents. If there is no other setting, the application point accepting method may be set as the initial method.

If you click on each document name in the "Identification document name" item (595) in the loan document inquiry list, the image window of the basic form of the document can be displayed. Also, in the case of selecting the document name indicated by smart acceptance in the 'document submission method' item 590, the 'smart loan document submission registration' window 600 of FIG. 6 may be automatically connected.

FIG. 6 shows a user interface screen for receiving and registering electronic application documents required for a bank application by a bank server according to a specific embodiment. The user interface screen of FIG. 6 may show the smart loan document reception list described above.

When the smart accepting document name is selected or the 'Smart accepting request' button 570 is selected in the 'Loan Documents Inquiry and Registration' window 500 of FIG. 5, the 'Smart Credit Documents Accepting Registration' window 600 is connected . The basic loan application information may be displayed in the 'application basic information' window 610 based on the loan approval information searched in the 'loan document inquiry and registration' window 500. [

In addition, a smart loan document reception list may be displayed in a 'smart loan document registration contents' window (620) for a current loan application. Whether or not each document in the document list 630 is in a state of requesting document registration to the current customer ('requesting') or a state in which the customer electronic document has already been registered ('completed') may be displayed in the progress item 640 have.

Also, the content of the content confirmation item 650 may be determined according to the content of the progress item 640. [ In other words, if the document registration progress status is 'requesting', it is impossible to check the contents because there is no registered customer electronic document yet. On the other hand, the 'inquiry' button may be activated on the content confirmation item 650 of the document whose document registration progress status is 'complete'. When the 'inquiry' button is selected, the electronic application document window in which the image of the customer electronic document registered in the bank server 100 is displayed can be activated.

When the 'additional agreement registration' item 660 is selected, an input window for inputting necessary inputs for each specific document such as a special coupon can be activated. For example, an input window for registering a direct debit account or a deposit account, a guide window for noticing interest rate fluctuation at the expiration of a loan, and the like can be activated.

When the 'receipt application' button 670 is input, the bank server 100 may request the customer terminal 180 to register the customer electronic document. For example, the bank server 100 may transmit an online message such as an e-mail or an SMS containing contents requesting registration of the customer electronic document to the customer terminal 180.

The customer terminal 180 receiving e-mail, SMS, etc. from the bank server 100 can access the web page operated by the bank server 100 to create electronic application documents. FIG. 7 illustrates a process of registering an electronic application document through a loan document acceptance web page 700 operated by a bank server 100 according to a specific embodiment of the present invention.

The customer terminal 180 may call the loan document acceptance web page 700 for registering the smart loan document by selecting the 'receive smart loan documents' button 710. [ If it is confirmed that the name of the loan product and the application details currently in progress are correct, the customer terminal 180 may click the 'Accept' button 720 to accept the smart loan document. Accordingly, a smart loan document list requested to be accepted by the customer terminal 180 may be displayed on the loan document acceptance web page 700. [ For example, selection windows for creating selected documents from loan documents such as a loan transaction agreement, a credit guarantee agreement, a debt status table, a memorandum, a deposit transaction agreement, and a household loan product description can be activated.

When the customer terminal 180 selects the selection window 730 for making the loan transaction agreement, the loan application information approved by the bank server 100 is displayed on the loan document acceptance web page 700, The contents of the agreement to be further written may be displayed. When the customer terminal 180 inputs all the loan agreement contents and selects the 'OK' button 740 and performs the identity verification through the electronic signature 750, the credit transaction agreement document 760 of the electronic application document file format, And the loan agreement entered by the customer terminal 180 in the loan transaction agreement 760 can be automatically written. Accordingly, the lending transaction agreement 760 can be transmitted to the bank server 180 in the file format authenticated by the customer information and loan agreement contents and electronic signature written by the customer terminal 180.

8 and 9 illustrate a loan transaction agreement 800 and a loan consultation application 900, respectively, among electronic application documents for applying for a loan according to a specific embodiment.

The loan transaction agreement 800 and the loan consultation application 900 according to an exemplary embodiment may be a PDF file format in which a font, an image, a graphic, a document format, . Each item of the loan transaction agreement 800 stored in the electronic application document DB 110 of the bank server 100 and the customer's signature column, information field, and consent indication column of the loan consultation application 900 may be blank have. The loan transaction agreement 800 and the loan consultation application 900 may be in the form of an inputable PDF file format so that each item can be filled in with information. The customer terminal 180 attaches the signature of the customer, the information of the transaction application content, the agreement of the transaction application information 900, the information of the transaction application application 900, An indication can be written.

7, the loan transaction agreement 760 that is initially downed to the customer terminal 180 according to an embodiment is the same as the written document issued offline, such as the loan transaction agreement 800, which is the electronic application form, . The completed loan agreement entered on the loan document accepting web page 700 can be written in the blank of each item of the loan transaction agreement 800 according to an embodiment.

If the customer terminal 180 selects the loan consultation application from the smart loan documents in the loan document acceptance web page 700, the loan consultation application 900, which is an electronic application form, can be called. The blank space of each item of the loan consultation application 900 can also be filled based on the loan consultation application information input by the customer terminal 180 on the web page 700. [

The loan transaction agreement 800 and the loan consultation application 900 according to one embodiment are inputted contents necessary for each item blank and if they are authenticated by using a public certificate based on the electronic signature of the customer, 100).

When the loan is executed based on the loan transaction agreement 800 and the loan consultation application 900 issued to the bank server 100, the loan transaction agreement 800 and the loan consultation application 900, And converted into an encrypted image file format and then stored in the customer electronic document DB 120 of the bank server 100.

The loan transaction agreement 800 and the loan consultation application 900 stored in the customer electronic document DB 120 of the bank server 100 may be output as an offline document or used as a settlement document, . ≪ / RTI >

The smart loan documents according to one embodiment can be classified according to the author.

For example, the loan transaction agreement 800 and the loan consultation application 900 illustrated in FIGS. 8 and 9 are in the form of a document that requires the loan agreement contents information and the electronic signature of the customer, which are further created in the customer terminal 180. As a concrete example, the smart loan documents that require additional customer preparation and digital signatures can be used for the loan transaction agreement (800) and the loan consultation application (900), the loan interest payment date and interest rate change history information service application (SMS or e-mail) A statement of credit guarantee, a letter of credit guarantee (for personal commission, a credit guarantee for the Korea Housing Corporation), a letter of proxy, and a letter of commitment.

As another example, there may be a paper form in which additional information of the employee processing the loan transaction at the bank server 100 or the integrated terminal 300 side should be written. For example, a description of a household loan product includes staffing items to ensure that any employee has delivered a product description to the customer. As a specific example, a smart loan document that requires an additional qualification of the employee and a digital signature of the customer may include a description of the household loan product and an additional agreement for interest rate preference.

As another example, there may be a document form requiring only the user authentication using the electronic signature of the customer after the electronic application document is confirmed at the customer terminal 180. As a concrete example, a smart loan document that only requires a customer's electronic signature may include a memorandum and a National Housing Fund loan application, which is created in the case of a loan product that can be applied only when certain conditions are met. In another example, a smart loan document that requires only a customer's electronic signature may include a personal information provision agreement, a personal information (credit) inquiry agreement, a personal information (credit) information provision agreement, a personal information collection, (Credit) information inquiry consent, and changes in terms and conditions of the loan transaction, such as postponement of the due date, change of condition, change of limit, etc.

Various application documents received in the existing bank transaction are stored in the customer electronic document DB 120 by utilizing the electronic application document and the customer electronic document for bank transaction application according to the various embodiments proposed above, It can also be used for banking applications.

General Certificates Certificates can be issued only by banks, or they are limited to specific product units. For example, when a customer applies for a transaction through a non-face-to-face channel of a bank, performs issuance of various balance certificates, certificates of payment, etc., or implements an online electronic agreement to join a specific online exclusive loan product Only an authorized certificate digital signature can be utilized.

On the other hand, in the bank transaction using the electronic application document and the customer electronic document according to the present invention, in order for the customer to apply for the bank transaction through the non-facing channel, the electronic application document necessary for each business is selected and an electronic signature You can use it to create customer electronic documents. Accordingly, a customer electronic document having not only a function of confirming the identity of the customer but also a non-repudiation function can be created and transmitted to the bank server 100 on-line. There is no limit to the format of the electronic application documents, so they can be utilized positively in various tasks, not limited to specific products.

For example, even if a customer visits a bank branch and misses some documents in processing a transaction, the customer electronic document can be delivered to the bank server 100 through the customer terminal without having to visit the financial institution again.

As another example, since the customer electronic document can be prepared in advance on the customer terminal side by using the electronic application document before the customer visits the bank branch office, the bank server 100 stores the customer electronic document corresponding to the document Documents can be received in advance. Therefore, even if the customer does not fill out the offline document after visiting the bank branch, the customer's business can be processed quickly by outputting the customer electronic document previously transmitted from the bank branch.

In addition, since the electronically signed customer electronic document is submitted to the bank server 100 using the official certificate, the same effect as that of receiving the bank transaction application document can be obtained, so that the job available through the agent can be expanded. Generally, when the bank is represented, the presence of the proxy is confirmed through a power of attorney or a seal certificate. However, in the case of low-risk work, if an electronic certificate electronic document is submitted using a public certificate, the agent may allow the work to be processed even if the agent visits the bank office.

Therefore, the bank street application documents are the same form as the offline application documents using the customer electronic documents that are received online, so that the same business effect can be generated. In the later settlement process, the output document of the online customer electronic document and the offline application document are used together as a settlement document, and the settlement document that has been completed can be scanned together and stored in the customer electronic document DB 120. In other words, various electronic application documents can be created through the non-face-to-face channel and submitted to the bank, so that it is possible to freely link the application service through the online channel and the application service through the offline channel.

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " control portion "or" portion "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor (DSP) hardware, (ROM), a random access memory (RAM), and a non-volatile storage device.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

The present invention has been described with reference to the preferred embodiments.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist the reader in understanding the principles and concepts of the present invention to those skilled in the art, It will be understood that the invention may be embodied in various other forms without departing from the spirit or essential characteristics thereof. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (11)

In the manner in which a bank server handles bank transaction applications using electronic filing,
Selecting at least one preparation document that can be accepted online from among the preparation documents required for the first bank transaction application requested by the customer from the bank server;
The bank server transmitting an electronic application document of the same document format as the offline document of the determined at least one preparation document electronically and the electronic application document of a document file format having the same description electronically written to the customer terminal;
The bank server receiving an electronic application document authenticated as an electronic signature by the customer from the customer terminal;
Converting the received electronic application document into an encrypted image file format and storing the electronic application document in a customer electronic document database of the bank server; And
And registering an execution schedule of the first bank transaction application based on the received electronic application document. The method according to claim 1,
Wherein the step of transmitting the electronic application document comprises the step of sending the electronic application document including at least one signature blank for filling in the signature of the customer and an information entry column for electronically filling in the transaction application content information of the customer, And transmitting the server to the terminal of the customer,
Wherein the step of receiving the electronic application document further comprises the step of transmitting the electronic application document authenticated by the customer terminal with the signature and the transaction application content information and authenticated with a public certificate based on the electronic signature of the customer, The method comprising the steps of: receiving a request from a bank server. The method according to claim 1,
Wherein the step of transmitting the electronic application document comprises the step of transmitting the electronic application document including at least one signature space for filling in the signature of the customer and at least one display space for electronically displaying the consent of the customer, And transmitting a bank server to the customer terminal,
Wherein the step of receiving the electronic application document further comprises the step of receiving the electronic application document authenticated by the customer terminal with the signature and the customer's consent indication and authenticated by a public certificate based on the electronic signature of the customer from the customer terminal Wherein the server receives the bank transaction request. The method according to claim 1,
The bank server receiving a request for a second bank transaction application which is a dissimilar transaction from the first bank transaction request from the customer;
Retrieving whether at least one electronic application document among the preparation documents required for the second bank transaction application is stored in the customer electronic document database; And
And if the electronic application document previously stored in the customer electronic document database is present, the bank server executes the second bank transaction application using the pre-stored electronic application document. . The method according to claim 1,
Receiving a request for a third bank transaction, which is a similar transaction from the first bank transaction request, from the customer;
Retrieving whether at least one electronic application document among the preparation documents required for the third bank transaction application is stored in the customer electronic document database; And
And if the electronic application document stored in the customer electronic document database exists, the bank server executes the third bank transaction application using the pre-stored electronic application document. . The method according to claim 1,
The electronic application documents that can be accepted online include the following items: a description of household loan products, a loan memorandum, a personal information provision agreement, a personal credit information inquiry agreement, a personal credit information collection and use agreement, a personal credit information collection, Loan application form, Loan transaction agreement, Loan consultation and application, Loan interest payment date and interest rate change service application form, Debt status statement, Credit guarantee application form, Credit guarantee agreement, Loan transaction condition change agreement, Power of attorney, COFIX) < / RTI >
Wherein the electronic application document is stored in an outputable image file format. The method according to claim 1,
Wherein the step of transmitting the electronic application document to the customer terminal comprises transmitting the electronic application document to the customer terminal through the bank terminal based on the first bank transaction application accepted by the bank terminal of the bank server Lt; / RTI >
The step of receiving the electronic application document authenticated by the user includes receiving the electronic application document authenticated by the user through the web page operated by the bank server,
Receiving an electronic application document converted into an image file format encrypted by the bank terminal and storing the received electronic application document in the customer electronic document database; And
And receiving an execution request after confirming whether or not the first bank transaction request is approved from the bank terminal. A bank server for processing an application for bank transaction using electronic application documents,
An electronic application document database storing electronic application documents in a document file format in which the same external form as the offline document is shown electronically and the same contents are electronically marked, among the preparation documents required for a plurality of bank transaction applications;
A customer electronic document database storing an electronic application document authenticated by the customer with the electronic signature;
Determining at least one preparatory document that can be accepted online from the preparation documents required for the first bank transaction application requested by the customer and transmitting the electronic application document of the document file format corresponding to the determined at least one preparation document to the customer An electronic application document transmission unit for transmitting the electronic application document to the terminal;
A customer electronic document storage unit for receiving an electronic application document authenticated by the customer's digital signature from the customer's terminal and converting the received electronic application document into an encrypted image file format and storing the converted electronic application document in the customer electronic document database; ; And
And a transaction application execution unit for registering the execution schedule of the first bank transaction application based on the received electronic application document. 9. The method of claim 8,
Wherein the electronic application document comprises at least one signature blank for filling in the signature of the customer, an information entry column for electronically filling in the transaction application content information of the customer, or at least one electronic signature for electronically displaying the consent of the customer And a display blank. 9. The electronic document delivery system according to claim 8,
At least one electronic application document out of the preparation documents required for the second bank transaction application is received from the customer electronic document database in the case that the customer is requested to apply for the second bank transaction, And if the electronic application document previously stored in the customer electronic document database exists, executes the second bank transaction application using the previously stored electronic application document. 9. The method of claim 8,
The preparation documents that can be accepted online include, but are not limited to, a description of the household loan product, a loan memorandum, a personal information provision agreement, a personal credit information inquiry agreement, a personal credit information collection and use agreement, a personal credit information collection, Application form, Loan transaction agreement, Loan consultation and application, Loan interest payment date and interest rate change guidance service application form, Debt status statement, Credit guarantee application form, Credit guarantee agreement, Loan transaction condition modification agreement, Power of attorney, Additional agreement and COFIX ) ≪ / RTI > agreement. ≪ / RTI >

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