KR101093129B1 - System and Method for Settling Financial Related Contents Charge and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for processing payments related to the use of financial contents, and a recording medium therefor, wherein a number of mobile contents are provided through a mobile phone, and are integrated and provided through a financial VM. The payment fee for financial-related contents used through the financial VM is settled through a financial institution, not a telecommunication company, so that financial-related contents can be activated by discounting the usage fee for the use of financial-related contents through a mobile phone. .

Content, payment

Description

System and Method for Settling Financial Related Contents Charge and Recording Medium}

1 is a diagram illustrating a financial content operating system of a face-to-face method for integrated payment of a usage fee for the use of financial-related content (or VM) among mobile contents according to an exemplary embodiment of the present invention.

Figure 2 is a financial content integration stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with an embodiment of the present invention A diagram illustrating the configuration of bill payment request information.

3 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with another embodiment of the present invention FIG. 1 is a diagram illustrating the configuration of financial content integration fee payment request information stored in FIG.

4 is a financial content integration fee payment stored in the DBMS provided in the banking server in a face-to-face manner for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with another embodiment of the present invention It is a figure which shows the structure of request information.

5A and 5B illustrate a process of registering financial content integration fee payment request information in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of registering financial content integration fee payment request information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering financial content integration fee payment request information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 8 is a diagram illustrating a non-face-to-face financial contents operating system for integrated payment of a usage fee for the use of financial-related contents (or VMs) among mobile contents according to another exemplary embodiment of the present invention.

9 is a financial content stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to consolidate payment for the use of financial-related content (or VM) of the mobile content in accordance with an embodiment of the present invention FIG. Is a diagram illustrating the composition of the integrated fee payment request information.

10 is associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with another embodiment of the present invention FIG. Is a diagram illustrating the composition of financial content integration fee payment request information stored in a database.

11 is a financial content integration fee payment stored in the DBMS provided in the banking server in a non-face-to-face for payment integration fee for the use of financial-related content (or VM) of the mobile content in accordance with another embodiment of the present invention It is a figure which shows the structure of request information.

12A and 12B illustrate a process of registering financial content integration fee payment request information in a non-face-to-face manner in order to consolidate payment for the use of financial-related content (or VM) among mobile contents according to one embodiment of the present invention. Figure is shown.

13A, 13B, and 13C are financial content integration fee payment requests through a non-face-to-face financial transaction channel for integrated payment of usage fee for the use of financial-related content (or VM) among mobile contents according to one embodiment of the present invention. A diagram illustrating a process of registering information.

14 is a diagram showing a financial content operating system for payment of financial contents according to an embodiment of the present invention.

15 is a diagram illustrating a process of processing payment of a financial content fee in a manner for payment of a financial content fee according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information storage unit 145: storage medium

150: electronic document server 155: electronic document receiving unit

160: information generating unit 165: electronic document storage unit

170: electronic document D / B 175: teller terminal

180: information registration terminal

According to the present invention, there are many mobile contents provided through a mobile phone, which are integrated and provided through a financial VM (Virtual Machine), and a financial institution other than a telecommunication company pays a fee for financial-related contents used through the financial VM. Through payment processing, it is possible to activate the financial-related content through the discount of the usage fee for the use of the financial-related content through the mobile phone.

In the development of information and communication technology, financial services provided through offline are provided through wired communication such as the Internet, and various financial related contents are provided through wireless.

However, when financial-related contents are provided via wireless, it is difficult for a telecommunication company to provide incentives (for example, discounts, etc.) provided by financial institutions in the case of claiming the sum of the conventional communication rates. In addition, it is difficult to check and use financial-related contents among various and numerous mobile contents.

According to the present invention, there are many mobile contents provided through a mobile phone, which are integrated and provided through a financial VM (Virtual Machine), and the charges for financial-related contents used through the financial VM are not finance companies. The present invention provides a method and system and a recording medium for enabling the payment of the financial content through the discount processing of the use of the financial-related content through the mobile phone to enable the activation of the financial-related content.

The method for processing payment for the use of financial-related content in mobile content through a financial VM (Virtual Machine) installed in a customer's mobile phone according to the present invention, the use fee for the use of financial-related content through a financial VM from a telecommunication company server When the payment request is received, checking a payment method preset by the customer, calculating an actual payment amount by applying a differential discount rate for each payment method to the payment amount corresponding to the received fee payment request; And the process of processing the calculated actual amount to be paid through the payment means.

In accordance with the present invention, a method for processing payment of a content-related fee for using a financial content may include identifying one or more financial institutions that provide financial contents by checking the financial-related content usage history through the financial VM, and the payment amount paid by the customer is the one. It is characterized in that it comprises a step of providing to the financial institution to process the settlement.

According to the present invention, when a customer applies for a payment service for the use of finance-related content through a finance VM, a customer opens an OA (Online Account) according to the customer's choice, and the customer And using the financial-related content usage fee to be processed so that payment is made through the opened OA.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for processing payment of the financial content-related content usage fee.

On the other hand, a system for processing payment for the use of the financial-related content of the mobile content through the financial VM (Virtual Machine) installed in the customer's mobile phone according to the present invention, the financial server through the financial VM from the telecommunication company server When a request for payment of a usage fee is received, a means for confirming a payment method preset by the customer, and a means for calculating an actual payment amount applying a differential discount rate for each payment method for the payment amount corresponding to the received payment fee request. And means for processing the calculated actual amount to be paid through the payment means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 financial content operating system of a face-to-face method for integrated payment of a usage fee for the use of financial-related content (or VM) among mobile contents according to an exemplary embodiment of the present invention.

In more detail, Figure 1 illustrates a financial content integrated fee payment application that includes at least one customer information and payment account information for a predetermined customer integrated payment for the use of financial-related content (or VM) of the mobile content. After filling out and submitting, the predetermined window terminal 175 acquires predetermined image contents corresponding to the financial content integrated fee payment application through a predetermined image acquisition device, and then transfers to a financial contents operation system through a predetermined information registration interface. If the financial content integration fee payment request information corresponding to the financial content integration fee payment application and the image content obtained from the financial content integration fee payment application are provided, a predetermined financial content integration fee payment request electronic application including the image content is provided. Create a document and place it in a designated electronic document A system configuration for storing and storing the customer information and payment account information included in the financial content integration fee payment request information in a predetermined storage medium 145. Specifically, the electronic document storage is a predetermined configuration. The present invention relates to an implementation method provided on an external system associated with the financial content operation system through a communication means.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to configure a financial content management system for integrated payment of usage fees for the use of financial-related content (or VM) in mobile content. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the financial contents operation system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method illustrated in FIG. 1, the financial contents integrated fee payment application electronic document corresponding to the financial contents integrated fee payment application is described as being generated on the server side on the financial contents operation system. The invention is by no means limited thereto, and the financial content integrated fee payment application electronic document may be generated by a terminal that has obtained image content corresponding to the financial content integrated fee payment application through a predetermined image obtaining device (eg, And, the electronic document generating function provided on the server side is provided on the terminal side to generate the financial content integration fee payment application electronic document), thereby the present invention is not limited.

Hereinafter, the financial contents integrated fee payment request information and image contents corresponding to the financial contents integrated fee payment application prepared by the customer are provided through a predetermined information registration interface on the financial contents operation system shown in FIG. A configuration corresponding to at least one or more means and / or functional configurations for generating an integrated fee payment application electronic document and storing the electronic fee storage in a predetermined electronic document storage and storing the financial content integrated fee payment request information in a predetermined storage medium 145. The element is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a financial content operating system for integrated payment of a usage fee for the use of financial-related content (or VM) among the mobile contents may include at least one branch of a financial institution (or a branch). And an information registration terminal 180 including a counter terminal 175 provided at the terminal), wherein the information registration terminal 180 is provided on the financial content operation system through a predetermined financial network. The communication channel is connected to the information registration server 100.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for consolidated payment of the usage fee for the use of financial-related content (or VM) among the mobile contents, and the financial institution branch (branch branch) A predetermined financial content integrated fee payment application (for example, among the mobile contents) for the integrated payment of the usage fee for the use of the financial-related content (or VM) of the mobile content through the window (or through the window staff) A document having a form for filling in at least one information item for the consolidated payment for the use of financial-related content (or VM), wherein the customer It is desirable to seal the customer's seal for legal reasons.

Subsequently, when the customer submits the completed financial contents integrated fee payment application to the clerk, the clerk acquires a predetermined image content by scanning the financial content integrated fee payment application through a predetermined image acquisition device, Financial content integration fee including at least one or more image content obtained in response to the financial content integration fee payment application through a predetermined window terminal 175, customer information and payment account information written in the financial content integration fee payment application Input (or select) payment request information, and correspondingly, the counter terminal 175 is the information registration server provided on the financial content management system through the financial network through the image content and the financial content integration fee payment request information It is preferable to transmit to 100.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 175 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 175 and the information registration server 100 is connected to the window terminal 175 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the financial content operation system as described above, an image acquisition device for acquiring image content corresponding to the financial content integration fee payment application prepared by the customer, a teller terminal 175 and the teller terminal 175 used by the employee And a financial network connecting the information registration server 100 to register the financial contents integrated fee payment request information for the customer to consolidate the payment for the use of the financial-related content (or VM) among the mobile contents. Perform the function of the registration interface.

The storage medium 145 provided on the financial content operating system according to the present invention performs the process of linking the customer information and payment account information included in the financial content integrated fee payment request information provided from the information registration terminal 180. And store in a predetermined storage medium 145.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial content integrated fee payment application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system linked to the financial content operation system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one or more of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is a real account or an OA (On-line Account) Is preferably.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the The storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial content management system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the financial content management system according to the present invention is a generic term for the financial content management system-side components connected to the information registration terminal 180 through a predetermined financial network. It may be implemented by including one or more servers (or devices), and / or 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 information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the information registration server 100 is the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the 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 180 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 180 is the window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 175, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 175 It is preferable.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 is connected to the mobile terminal. Image corresponding to the financial content integrated fee payment application prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 180 for the integrated payment of the use fee for the use of financial-related content (or VM) of the content Generate (or extract) at least one user interface for acquiring content and inputting (or selecting) financial content integration fee payment request information corresponding to the financial content integration fee payment application to be transmitted to the information registration server 100. And provide the generated (or extracted) user interface to the information registration terminal 180 in association with the interface unit 105. When the interface providing unit 110 and the information registration terminal 180 inputs (or selects) and transmits financial content integration fee payment request information corresponding to the financial content integration fee payment application through the user interface, the interface is provided. The information receiving unit 115 for receiving the financial content integration fee payment request information transmitted from the information registration terminal 180 in association with the unit 105, and the information registration terminal 180 based on the user interface When the image content corresponding to the financial content integrated fee payment application prepared by the customer is obtained and transmitted through the image acquisition device, the image content corresponding to the financial content integrated fee payment application is received in connection with the interface unit 105. It is characterized by comprising an image receiving unit 120 to.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for integrated payment of a usage fee for the use of financial-related content (or VM) among mobile contents, the financial content created by the customer is integrated through a predetermined image acquisition device provided in the information registration terminal 180. Acquire image contents corresponding to the bill payment application, input (or select) the financial content integration fee payment request information corresponding to the financial content integration fee payment application, and transmit the information to the information registration server 100 through the financial network. Create one or more user interfaces that allow the user to create and / or extract from a predetermined database (not shown) The user interface generated in conjunction with the ES 105 may be provided to the information registration terminal 180 through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the financial content integrated fee payment application written by the customer through a predetermined image acquisition device, and then applies the financial content integrated fee payment application to the information registration terminal 180. When a predetermined information registration program having at least one user interface for inputting (or selecting) corresponding financial contents integrated fee payment request information and transmitting the information to the information registration server 100 through the financial network, Acquire image content corresponding to the financial content integration fee payment application prepared by the customer through a predetermined image acquisition device as described above, and input the financial content integration fee payment request information corresponding to the financial content integration fee payment application (or Select) to transmit to the information registration server 100 The interface providing unit 110 that generates (or extracts) a user interface and provides the information registration terminal 180 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 180 inputs (or selects) financial content integrated fee payment request information including at least one of the customer information and payment account information through the user interface. The financial content integration fee payment request information is transmitted to the information registration server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 and the information registration terminal 180. Characterized in that the financial content integration fee payment request information transmitted from the receiving.

In addition, the information registration terminal 180 obtains the image content corresponding to the financial content integration fee payment application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is financed The image receiving unit 120 receives the image contents corresponding to the financial contents integrated fee payment application in connection with the interface unit 105. It is done.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image content corresponding to the financial content integrated fee payment application prepared by the customer through a predetermined image acquisition device in the information registration terminal 180. In the case of pre-stored in a predetermined storage device provided in (or associated with), the information registration terminal 180 integrates the financial content created by the customer among at least one or more image contents stored in the storage device through the user interface. An image content corresponding to a fee payment application is selected and transmitted to the information registration server 100 through the financial network. In response, the image receiving unit 120 integrates the financial content in connection with the interface unit 105. It is preferable to receive image content corresponding to the billing application.

According to another embodiment of the present invention, the financial information corresponding to the financial content integration fee payment application and the image content corresponding to the financial content integration fee payment application written by the customer through the user interface in the information registration terminal 180 When the content integration fee payment request information is transmitted together, the information receiving unit 115 is linked with the interface unit 105 together with the image content corresponding to the financial content integration fee payment application and the financial content integration fee payment request information together. It is possible to receive (for example, the image receiving unit 120 is integrated into the information receiving unit 115 and operated), whereby the present invention is not limited.

Referring to FIG. 1, when the financial content integration fee payment request information transmitted from the information registration terminal 180 is received through the information receiving unit 115, the information registration server 100 integrates the received financial content. It is characterized in that the billing request information is provided with a validity check unit 125 to determine whether the validity for the billing integrated payment for the use of the financial-related content (or VM) of the mobile content.

According to an embodiment of the present invention, the validity check of the financial content integration fee payment request information is at least one matched with the financial content integration fee payment request information on the ledger D / B on the financial system associated with the financial content operation system It is preferable to include checking whether the above ledger information is registered.

For example, the validity checker 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the financial content operation system among information included in the financial content integrated fee payment request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include whether it is matched with the account ledger stored in the, the account information of the information contained in the received financial content integration fee payment request information ledger on the financial system linked to the financial content operation system D / If it is confirmed that the match with the account ledger stored in B, it is preferable to further check the customer ledger connected to the account ledger, to further check whether or not it is a financial account under the name of the customer.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and receives the financial information through the validity checking unit 125. When the validity of the content integration fee payment request information is authenticated, the electronic document generation unit 130 for generating a predetermined financial content integration fee payment request electronic document including the received image content, and the generated financial content integration fee Characterized in that the electronic document transmission unit 135 for transmitting the payment request electronic document to the electronic document storage associated with the financial content management system.

The electronic document generation unit 130 may generate an electronic document for payment of a financial content integration fee including the image content received from the information registration terminal 180 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 is an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 of the mobile content as it is. It is preferable to process the financial contents integrated fee payment application electronic document for the consolidated payment of the usage fee for the use of financial-related content (or VM).

Alternatively, the electronic document generation unit 130 receives the financial content integration fee payment request information received through the information receiving unit 115 on the image content received from the information registration terminal 180 through the image receiving unit 120. Incorporating an image file corresponding to an image content including at least one or more of customer information and payment account information included in a watermarking method into a usage fee for the use of financial-related content (or VM) among the mobile contents. It is desirable to generate an electronic document for application for payment of the consolidated fee for financial contents for payment.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 180 through the image receiving unit 120) Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate the financial content integration fee payment application electronic document for the integrated payment of the usage fee for the use of the financial-related content (or VM).

Alternatively, the electronic document generation unit 130 receives the financial content integration fee payment request information received through the information receiving unit 115 on the image content received from the information registration terminal 180 through the image receiving unit 120. Generate image content including at least one or more information of customer information and payment account information included in a watermarking method, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT. It is preferable to generate the financial content consolidated fee application electronic document for the consolidated payment for the use of the VM).

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing the received financial content integration fee payment request information. , Or a web document file including an MHT), it is preferable to generate a financial content integration fee payment application electronic document for the consolidated payment for the use of the financial-related content (or VM) of the mobile content. .

Alternatively, the electronic document generation unit 130 receives the financial content integration fee payment request information received through the information receiving unit 115 on the image content received from the information registration terminal 180 through the image receiving unit 120. A predetermined document including image information including at least one or more information of customer information and payment account information included in a watermarking method, and including the generated image content and the financial content integration fee payment request information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Financial content integration fee payment application for consolidated payment for the use of financial-related content (or VM) of the mobile content It is desirable to create an electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features to generate an electronic document for the financial content integration fee payment application of the image file format and / or a predetermined document file format and Since the technical features of the file format of the image file and / or the document file corresponding to the financial content integrated fee payment application electronic document will be understood, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the electronic content generation fee payment application electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the financial content operation system. It features.

As shown in FIG. 1, the electronic document repository is connected to an information registration server 100 on the financial contents operation system through a predetermined communication means and a predetermined electronic document server 150 and an electronic document D / B 170. When provided to the outside, the electronic document transmission unit 135 is the electronic document server through the communication means for the electronic content generation charge billing application electronic document generated by the electronic document generation unit 130 It characterized in that the transmission to 150.

Here, when the electronic document server 150 and the electronic document D / B 170 is provided outside the financial content management system, the electronic document server 150 and the electronic document D / B 170 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the financial content management system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the financial content integrated fee payment application electronic document in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the financial content management system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document-related information (eg, financial content corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 150. Customer information on which the integrated fee payment application is made, and / or financial institution information transmitting the financial content integrated fee payment application electronic document, and / or electronic document file format information, and / or the financial content integrated fee payment request information, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 1, the information registration server 100 may use the financial content integrated rate payment request information (or the financial content integration fee payment request information received through the information receiver 115) through the validity checker 125. When the validity for the integrated fee payment for the use of the VM) is authenticated, the predetermined storage medium 145 is processed by linking the customer information and the payment account information included in the financial content integrated fee payment request information of which the validity is verified. Characterized in that the information storage unit 140 to be stored in the.

When the validity of the financial content integrated fee payment request information is confirmed by the validity confirming unit 125, the information storage unit 140 stores customer information and payment account information included in the financial content integrated fee payment request information. The storage medium 145 is stored in the storage medium 145, and the storage medium 145 is provided in the information registration server 100, or is provided on the network associated with the information registration server 100. In this case, the information storage unit 140 preferably processes the customer information and payment account information included in the received financial content integration fee payment request information and stores the information in the storage medium 145, wherein the storage medium ( If 145 is provided in the DBMS provided on the financial system, the information storage unit 140 receives the customer information and payment account information included in the received financial content integration fee payment request information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

Referring to FIG. 1, a predetermined financial content integration fee payment request electronic document is received from the information registration server 100 provided on the financial content operation system, and stored and managed in a predetermined electronic document D / B 170. The electronic document server 150, the electronic document receiving unit 155 for receiving a predetermined financial content integration fee payment application electronic document from the information registration server 100 through a predetermined communication means, and the received financial content integration An information generation unit 160 for generating predetermined electronic document management information for storing and managing a fee payment application electronic document in the electronic document D / B 170, and the electronic document management information and the financial content integrated fee payment And an electronic document storage unit 165 for linking the applied electronic document and storing the electronic document in the predetermined electronic document D / B 170.

The electronic document receiving unit 155 may receive the electronic contents payment request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to an embodiment of the present invention, the financial content integration fee payment request electronic document received by the electronic document receiving unit 155 through the communication means is received by the information registration server 100 from the information registration terminal 180. It is preferable to include an image file including one image content as it is.

Alternatively, the financial content integrated fee payment request electronic document received by the electronic document receiving unit 155 through the communication means may be included in the image content received by the information registration server 100 from the information registration terminal 180. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information and payment account information included in the financial content integration fee payment request information in a watermarking manner.

According to another embodiment of the present invention, the financial content integration fee payment request electronic document received by the electronic document receiving unit 155 through the communication means is the information registration server 100 from the information registration terminal 180 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the financial content integrated fee payment request electronic document received by the electronic document receiving unit 155 through the communication means may include the financial content on the image content received by the information registration server 100 from the information registration terminal 180. A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of customer information and payment account information included in the integrated fee payment request information by a watermarking method, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the financial content integration fee payment request electronic document received by the electronic document receiving unit 155 through the communication means is the information registration server 100 the information registration terminal 180 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content received from the financial content integration fee payment request information Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the financial content integrated fee payment request electronic document received by the electronic document receiving unit 155 through the communication means may include the financial content on the image content received by the information registration server 100 from the information registration terminal 180. A predetermined document file including image contents including at least one or more of customer information and payment account information included in the integrated fee payment request information by a watermarking method and the financial content integrated fee payment request information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 160 is a predetermined electronic document unique number (or unique information) to be assigned to the financial content integration fee payment application electronic document received through the electronic document receiving unit 155, and the electronic document receiving unit 155 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time the financial content integrated bill payment application electronic document is stored) received the financial content integrated bill payment application electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the information registration server 100 that transmits the financial content integration fee payment request electronic document received through the electronic document receiving unit 155. It is preferable to check the financial institution that has sent the financial content integrated fee payment application electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document-related information (e.g., customer information for preparing a financial content integrated fee payment application corresponding to the image content, and / or financial institution information for transmitting the financial content integrated fee payment application electronic document, and / or electronic document file format) Information, and / or the electronic document management information further including the financial content integration fee payment request information and the like.

The electronic document storage unit 165 associates the financial content integration fee payment request electronic document received through the electronic document receiving unit 155 with the electronic document management information generated through the information generation unit 160 to a predetermined process. Characterized in that stored in the electronic document D / B (170).

According to the exemplary embodiment of the present invention, the financial contents integrated fee payment request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is registered by the information registration server 100. It is preferable that the image file including the image content received from the terminal 180 is included as it is.

Alternatively, the financial content integrated fee payment request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is received by the information registration server 100 from the information registration terminal 180. Preferably, the image content includes an image file corresponding to the image content including at least one of customer information and payment account information included in the financial content integration fee payment request information by a watermarking method. .

According to another embodiment of the present invention, the financial content integration fee payment request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is the information registration server 100 the information A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content received from the registration terminal 180. File, or a web document file including MHT).

Alternatively, the financial content integrated fee payment request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is received by the information registration server 100 from the information registration terminal 180. A predetermined document file (eg, PDF (Portable) including image content including at least one or more of customer information and payment account information included in the financial content integrated fee payment request information in an image content by a watermarking method. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to another embodiment of the present invention, the financial content integrated fee payment application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is the information registration server 100 is A predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) containing the image content received from the information registration terminal 180 and the financial content integration fee payment request information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the financial content integrated fee payment request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is received by the information registration server 100 from the information registration terminal 180. Predetermined image content including at least one or more information of the customer information and payment account information included in the financial content integrated fee payment request information in the image content by the watermarking method and the financial content integrated fee payment request information A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the financial content integration fee payment application electronic document, the financial It is preferable that a predetermined electronic document unique number (or unique information) assigned to the content integration fee payment request electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the financial content integrated fee payment request electronic document is Preferably, the financial contents integrated fee payment request electronic document is transmitted to the information registration server 100 that has transmitted the financial content integration fee payment request electronic document is preferably further included.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 165 is associated with the financial content integrated fee payment application electronic document. The electronic document management information that is processed and stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information for preparing a financial content integrated fee payment application corresponding to the image content, and / or Financial institution information for transmitting the financial content integrated fee payment request electronic document, and / or electronic document file format information, and / or the financial content integrated fee payment request information, etc.).

Figure 2 shows the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with an embodiment of the present invention FIG. Is a diagram illustrating the configuration of the stored financial content integrated fee payment request information.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 145 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. FIG. 2 illustrates an information structure for an implementation method in which financial contents integrated fee payment request information including the customer information and payment account information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified may be inferred from the various information configuration methods for storing the financial content integration fee payment request information in the ledger D / B (200), the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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 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, and / or trust reception information including 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, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history 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 financial content integrated fee payment request information provided through the financial content operation system shown in FIG. 1 is stored in the form of additional information added to the account ledger. The request information may include at least one of customer information and payment account information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial content integrated fee payment application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system linked to the financial content operation system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is an actual account or an OA (On-line Account). It is preferable.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

According to another exemplary embodiment of the present invention, the financial content integration fee payment request information may be stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, a customer). It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

3 is a ledger D / B 200 provided in a DBMS on a financial system in a face-to-face manner for integrated payment of usage fees for the use of financial-related content (or VM) among mobile contents according to another embodiment of the present invention. FIG. Is a diagram illustrating the configuration of financial content integration fee payment request information stored in a linked database.

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium 145 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 3 and transmit the financial contents integrated fee payment request information to a predetermined database in the ledger D / B (200). It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the financial contents integrated fee payment request information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, a policy of a financial institution). When it is not easy to change the ledger D / B 200 of a phase DBMS, or the system expansion is not easy due to the characteristics of the financial system), the financial contents are integrated in a predetermined database instead of the ledger D / B 200. A method of storing charge request information and storing the bill payment request information in association with the database and the ledger D / B 200 is illustrated.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / 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 customer information and payment account information included in the financial content integrated fee payment request information, and the financial content integrated fee payment request information is stored in the ledger D /. It is preferable that the CIF number corresponding to the ledger information is further included in the financial content integrated fee payment request information to be linked to the B 200.

The customer information includes the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the financial content integrated fee payment application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system linked to the financial content operation system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is an actual account or an OA (On-line Account). It is preferable.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

Figure 4 is a request for payment of the financial content integration fee stored in the DBMS provided in the banking server in a face-to-face manner for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with another embodiment of the present invention It is a figure which shows information structure.

In more detail, FIG. 4 shows a predetermined banking system in which the storage medium 145 shown in FIG. 1 is provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on the financial content integration fee payment request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG. .

Referring to FIG. 4, the predetermined DBMS provided in the banking server may store and store customer information and payment account information included in the financial content integrated fee payment request information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the financial content integrated fee payment application, and the member information of the customer (for example, the Member ID information, or CIF (Customer Information File) number, provided in the customer ledger provided on the financial system linked to the financial content operation system in response to the customer by signing up as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is an actual account or an OA (On-line Account). It is preferable.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

5A and 5B illustrate a process of registering financial content integration fee payment request information in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate a window terminal 175 in which an information registration terminal 180 on the financial contents operation system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the information registration server ( When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer uses the financial related contents (or VM) among the mobile contents. When the financial contents integrated fee payment application including at least one of customer information and payment account information is prepared and submitted for the integrated fee for payment, the financial content is obtained through a predetermined image acquisition device at a predetermined window terminal 175. Acquire the predetermined image contents corresponding to the application for the integrated fee payment, and transmit the financial contents to the financial contents operation system through a predetermined information registration interface. When the financial content integrated fee payment request information corresponding to the flat fee payment application and the image content obtained from the financial content integrated fee payment application are provided, a predetermined financial content integrated fee payment application electronic document including the image content is generated. The present invention relates to a method for storing the information in a predetermined storage medium 145 and storing the information in a predetermined storage medium 145 by linking the customer information and the payment account information included in the financial contents integrated fee payment request information. After obtaining the predetermined image content corresponding to the financial content integration fee payment application through the predetermined image acquisition device at the window terminal 175 and transmitting it to the information registration server 100, the financial content integration fee payment application form Enter (or select) the financial content integration fee payment request information corresponding to W illustrates an exemplary method for transmitting to the information registering server 100.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b and request the payment of the financial contents integrated fee from the counter terminal 175 to the information registration server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the financial contents integrated fee payment application through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) the financial content integrated fee payment request information corresponding to the financial content integrated fee payment application is illustrated and described as being provided from the information registration server 100, the counter terminal 175 is prescribed. If the information registration program is provided, the user interface may not be provided from the information registration server 100, whereby the present invention is not limited.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and payment account information transmitted from the counter terminal 175 to the information registration server 100 is referred to as "financial content integration fee payment request information" for convenience.

Referring to FIGS. 5A and 5B, a predetermined amount of payment of a financial content including at least one of customer information and payment account information for a consolidated payment of a usage fee for the use of financial-related content (or VM) among mobile contents is shown. When the application is completed and submitted, the window terminal 175 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to the server to connect a predetermined communication channel. If the user interface for the integrated payment of the usage fee for the use of financial-related content (or VM) of the content is requested (500), the server corresponding to the financial content created by the customer through a predetermined image acquisition device in the terminal User registration for acquiring predetermined image content corresponding to the integrated fee payment application form and transmitting it to the server. The interface is generated (or extracted) (505), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (510).

Thereafter, the terminal acquires image content corresponding to the financial content integrated fee payment application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the financial content integration fee payment application is acquired through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) financial content integrated fee payment request information including at least one of customer information and payment account information corresponding to the financial content integrated fee payment application that matches the image content, and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (530), and the generated (or extracted) user interface is transmitted through the financial network to the terminal for output (535).

Thereafter, the terminal inputs (or selects) financial content integration fee payment request information including at least one of the customer information and payment account information through the user interface (540).

If the financial content integration fee payment request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (545), the terminal inputs the input to the server through the financial network. In operation 550, the financial content integration fee payment request information is transmitted.

Thereafter, the server receives and reads the financial content integration fee payment request information including at least one of the customer information and payment account information through the financial network, and confirms the validity of the financial content integration fee payment request information. 555).

According to an exemplary embodiment of the present invention, the validity of the financial content integrated fee payment request information is matched with the financial content integrated fee payment request information to the ledger D / B 200 on the financial system linked to the financial content operation system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity checker 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the financial content operation system among information included in the financial content integrated fee payment request information. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include whether the match with the account ledger stored in the (200), the payment account information of the information contained in the received financial content integration fee payment request information on the financial system associated with the financial content operation system If it is confirmed that the match with the ledger stored in the ledger D / B (200), it is preferable to further check the customer ledger associated with the account ledger, to further determine whether or not it is a financial account of the customer name.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

If the validity of the financial content integration fee payment request information is not authenticated (560), the server generates a predetermined information registration error information and transmits it to the terminal (565), the financial content integration fee payment request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial content integration fee payment request information is authenticated (560), the server generates a predetermined financial content integration fee payment request electronic document including the image content (570).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is. It is preferable to process the electronic contents for the application for payment of the consolidated fee for the financial contents for the integrated fee for the use of the fee.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Consolidate the usage fee for the use of financial-related content (or VM) of the mobile content in the image file corresponding to the image content including at least one or more information of the payment account information by the watermarking method It is desirable to create a billing application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. By generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT, the financial-related content (or VM) of the mobile content is generated. It is preferable to generate a financial content integration fee payment application electronic document for the usage fee integrated payment for the use.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Generating image content including at least one or more information of payment account information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), for use of financial contents (or VM) among the mobile contents. It is preferable to generate an electronic document for the application for payment of the consolidated fee for financial contents for the consolidated payment for the usage fee.

According to another exemplary embodiment of the present invention, the server may integrate the image content received from the information registration terminal 180 and the financial content integration fee received through the information receiver 115 through the image receiver 120. A predetermined document file including payment request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is preferable to generate a financial content integration fee payment application electronic document for the integrated use fee payment for the use of the financial-related content (or VM) of the mobile content.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Generating image content including at least one or more information of payment account information by a watermarking method, and a predetermined document file (eg, PDF (PDF) including the generated image content and the financial content integration fee payment request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). Generate an electronic document for the application for payment of the consolidated fee for financial contents for the consolidated payment for the use of the contents (or VM). It is preferable to.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial content integration fee payment application electronic document in an image file format and / or a predetermined document file format, and the financial content integration fee. Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment request electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial content integration fee payment application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 linked to a server on the financial content management system through predetermined communication means. When provided with, the server preferably transmits the generated financial content integration fee payment application electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) Do.

Or, if the electronic document storage is provided on the DBMS provided in the financial content management system, the server is the electronic document on the DBMS provided in the financial content management system for the generated financial content integration fee payment application electronic document It is possible to store in the electronic document D / B 170 corresponding to the storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial content integrated fee payment application electronic document in the electronic document repository may be performed by linking the generated financial content integrated fee payment application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (170) shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial content integrated fee payment application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic contents payment application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial content integrated fee payment application corresponding to the image content, and / or financial information for transmitting the financial content integrated fee payment application electronic document. Institution information, and / or electronic document file format information, and / or the financial content integration fee payment request information, etc.).

If the financial content integrated fee payment application electronic document is stored in the electronic document repository (580), the server stores the predetermined information by linking the customer information and payment account information included in the financial content integrated fee payment request information. Stored in the medium 145 (585), predetermined information registration history information (e.g., the details of storing the financial content integration fee payment application electronic document in the electronic document storage, and / or the storage medium 145 the The details of storing the financial content integrated fee payment request information) are generated (or extracted) and transmitted to the terminal (590).

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the Storage medium 145 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), whereby the present invention is limited Not.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial content management system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering financial content integration fee payment request information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B illustrate a window terminal 175 in which an information registration terminal 180 on the financial contents operation system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the information registration server ( When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer uses the financial related contents (or VM) among the mobile contents. When the financial contents integrated fee payment application including at least one of customer information and payment account information is prepared and submitted for the integrated fee for payment, the financial content is obtained through a predetermined image acquisition device at a predetermined window terminal 175. Acquire the predetermined image contents corresponding to the application for the integrated fee payment, and transmit the financial contents to the financial contents operation system through a predetermined information registration interface. When the financial content integrated fee payment request information corresponding to the fee payment application and the image content obtained from the financial content integrated fee payment application are provided, a predetermined financial content integrated fee payment application electronic document including the image content is generated. A method for storing the information in a predetermined storage medium 145 by storing it in a predetermined electronic document repository and linking the customer information and the payment account information included in the financial content integrated fee payment request information. The window terminal 175 inputs (or selects) the financial content integration fee payment request information corresponding to the financial content integration fee payment application to the information registration server 100 and then transmits the information through the predetermined image acquisition device. Acquires predetermined image contents corresponding to the application for payment of the integrated financial content fee W illustrates an exemplary method for transmitting to the information registering server 100.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b and request the payment of the financial content integration fee from the counter terminal 175 to the information registration server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method illustrated in FIGS. 6A and 6B, the window terminal 175 acquires predetermined image contents corresponding to the financial content integrated fee payment application through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) the financial content integrated fee payment request information corresponding to the financial content integrated fee payment application is illustrated and described as being provided from the information registration server 100, the counter terminal 175 is prescribed. If the information registration program is provided, the user interface may not be provided from the information registration server 100, by which the present invention is not limited.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information and payment account information transmitted from the counter terminal 175 to the information registration server 100 is referred to as "financial content integration fee payment request information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined amount of payment of a financial content including at least one of customer information and payment account information for a consolidated payment of a use fee for the use of financial-related content (or VM) among mobile contents is shown. When the application is completed and submitted, the window terminal 175 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to the predetermined communication channel, and the mobile corresponding to the financial content integrated fee payment application. If the user interface for the consolidated payment of the fee for the use of the financial-related content (or VM) of the content is requested (600), the server corresponding to the customer information corresponding to the financial content integrated fee payment application prepared by the customer, Enter (or select) financial content integration fee payment request information including at least one payment account information. A user interface for transmitting to the server is generated (or extracted) (605), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (610).

Thereafter, the terminal inputs (or selects) financial content integrated fee payment request information including at least one of the customer information and payment account information through the user interface (615).

If the financial content integration fee payment request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (620), the terminal inputs the input to the server through the financial network. In operation 625, the financial content integration fee payment request information is transmitted.

Thereafter, the server receives and reads the financial content integration fee payment request information including at least one of the customer information and payment account information through the financial network, and confirms the validity of the financial content integration fee payment request information. 630).

According to an exemplary embodiment of the present invention, the validity of the financial content integrated fee payment request information is matched with the financial content integrated fee payment request information to the ledger D / B 200 on the financial system linked to the financial content operation system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirming unit 125 may include information on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial content integrated fee payment request information is linked to the financial content operation system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (200).

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include whether the match with the account ledger stored in the (200), the payment account information of the information contained in the received financial content integration fee payment request information on the financial system associated with the financial content operation system If it is confirmed that the match with the ledger stored in the ledger D / B (200), it is preferable to further check the customer ledger associated with the account ledger, to further determine whether or not it is a financial account of the customer name.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

If the validity of the financial content integrated fee payment request information is not authenticated (635), the server generates a predetermined information registration error information and transmits it to the terminal (640), the financial content integrated fee payment request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial content integration fee payment request information is authenticated (635), the server receives the predetermined image content corresponding to the financial content integration fee payment application written by the customer through a predetermined image acquisition device in the terminal. A user interface for obtaining and transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the financial content integration fee payment application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the financial content integration fee payment application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the financial content integrated fee payment request information and the image content from the terminal generates a predetermined financial content integrated fee payment request electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is. It is preferable to process the electronic contents for the application for payment of the consolidated fee for the financial contents for the integrated fee for the use of the fee.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Consolidate the usage fee for the use of financial-related content (or VM) of the mobile content in the image file corresponding to the image content including at least one or more information of the payment account information by the watermarking method It is desirable to create a billing application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. By generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT, the financial-related content (or VM) of the mobile content is generated. It is preferable to generate a financial content integration fee payment application electronic document for the usage fee integrated payment for the use.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Generating image content including at least one or more information of payment account information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for the application for payment of the consolidated fee for the financial contents for the unified payment.

According to another exemplary embodiment of the present invention, the server may integrate the image content received from the information registration terminal 180 and the financial content integration fee received through the information receiver 115 through the image receiver 120. A predetermined document file including payment request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is preferable to generate a financial content integration fee payment application electronic document for the integrated use fee payment for the use of the financial-related content (or VM) of the mobile content.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Generating image content including at least one or more information of payment account information by a watermarking method, and a predetermined document file (eg, PDF (PDF) including the generated image content and the financial content integration fee payment request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). Generate an electronic document for the application for payment of the consolidated fee for financial contents for the consolidated payment for the use of the contents (or VM). It is preferable to.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial content integration fee payment application electronic document in an image file format and / or a predetermined document file format, and the financial content integration fee. Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment request electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial content integration fee payment application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 linked to a server on the financial content management system through predetermined communication means. When provided with, the server preferably transmits the generated financial content integration fee payment application electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) Do.

Or, if the electronic document storage is provided on the DBMS provided in the financial content management system, the server is the electronic document on the DBMS provided in the financial content management system for the generated financial content integration fee payment application electronic document It is possible to store in the electronic document D / B 170 corresponding to the storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial content integrated fee payment application electronic document in the electronic document repository may be performed by linking the generated financial content integrated fee payment application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (170) shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial content integrated fee payment application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic contents payment application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial content integrated fee payment application corresponding to the image content, and / or financial information for transmitting the financial content integrated fee payment application electronic document. Institution information, and / or electronic document file format information, and / or the financial content integration fee payment request information, etc.).

If the financial content integrated fee payment request electronic document is stored in the electronic document storage (680), the server stores the predetermined information by linking the customer information and payment account information included in the financial content integrated fee payment request information Stored in the medium 145 (685), predetermined information registration history information (e.g., the details of storing the financial content integration fee payment application electronic document in the electronic document storage, and / or the storage medium 145 the Financial content integration fee payment request information stored information) is generated (or extracted) and transmitted to the terminal (690).

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the Storage medium 145 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), whereby the present invention is limited Not.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial content management system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering financial content integration fee payment request information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate a window terminal 175 in which an information registration terminal 180 on the financial content operation system illustrated in FIG. 1 is provided at a branch (or a branch) of a financial institution, and the information registration server ( When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer uses the financial related contents (or VM) among the mobile contents. When the financial contents integrated fee payment application including at least one of customer information and payment account information is prepared and submitted for the integrated fee for payment, the financial content is obtained through a predetermined image acquisition device at a predetermined window terminal 175. Acquire the predetermined image contents corresponding to the application for the integrated fee payment, and transmit the financial contents to the financial contents operation system through a predetermined information registration interface. When the financial content integrated fee payment request information corresponding to the flat fee payment application and the image content obtained from the financial content integrated fee payment application are provided, a predetermined financial content integrated fee payment application electronic document including the image content is generated. The present invention relates to a method for storing the information in a predetermined storage medium 145 and storing the information in a predetermined storage medium 145 by linking the customer information and the payment account information included in the financial contents integrated fee payment request information. The terminal 175 acquires predetermined image contents corresponding to the financial content integrated fee payment application through a predetermined image acquisition device, and obtains financial content integrated fee payment request information corresponding to the financial content integrated fee payment application. Input (or select) to transmit to the information registration server 100 Illustrates a method of implementation.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b, and request the payment of the financial content integration fee from the window terminal 175 to the information registration server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the embodiment shown in FIGS. 7A and 7B, the window terminal 175 acquires predetermined image contents corresponding to the financial contents integrated fee payment application through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) the financial content integrated fee payment request information corresponding to the financial content integrated fee payment application is illustrated and described as being provided from the information registration server 100, the counter terminal 175 is prescribed. If the information registration program is provided, the user interface may not be provided from the information registration server 100, whereby the present invention is not limited.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and payment account information transmitted from the counter terminal 175 to the information registration server 100 is referred to as "financial content integration fee payment request information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined amount of payment of a financial content including at least one of customer information and payment account information for a consolidated payment of a usage fee for the use of financial-related content (or VM) among mobile contents is shown. When the application is completed and submitted, the window terminal 175 shown in FIG. 1 is connected to the server through a predetermined financial network and connected to the server to connect a predetermined communication channel. When requesting a user interface for integrated fee payment for the use of financial-related content (or VM) among the contents (700), the server corresponding to the financial content integrated fee payment application prepared by the customer in response to the request Enter (or select) financial content integration fee payment request information, and obtain the financial information through a predetermined image acquisition device. Generating (or extracting) a user interface for acquiring and transmitting predetermined image content corresponding to a content integration fee payment application to the server (705), and generating the user interface generated through the financial network (or extracted); The transmission is output to the terminal (710).

Thereafter, the terminal inputs (or selects) financial content integrated fee payment request information including at least one of the customer information and payment account information through the user interface (715).

If the financial content integration fee payment request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (720), the terminal acquires a predetermined image based on the user interface. An image content corresponding to the financial content integrated fee payment application is obtained through the device (725).

If image content corresponding to the financial content integrated fee payment application is obtained through the image acquisition device (730), the terminal transmits the financial content integrated fee payment request information and image content to the server through the financial network. (735).

Thereafter, the server receives and reads the financial content integration fee payment request information including at least one of the customer information and payment account information through the financial network, and confirms the validity of the financial content integration fee payment request information. 740).

According to an exemplary embodiment of the present invention, the validity of the financial content integrated fee payment request information is matched with the financial content integrated fee payment request information to the ledger D / B 200 on the financial system linked to the financial content operation system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity checker 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the financial content operation system among information included in the financial content integrated fee payment request information. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include whether the match with the account ledger stored in the (200), the payment account information of the information contained in the received financial content integration fee payment request information on the financial system associated with the financial content operation system If it is confirmed that the match with the ledger stored in the ledger D / B (200), it is preferable to further check the customer ledger associated with the account ledger, to further determine whether or not it is a financial account of the customer name.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

If the validity of the financial content integration fee payment request information is not authenticated (745), the server generates a predetermined information registration error information and transmits it to the terminal (750), the financial content integration fee payment request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the financial content integration fee payment request information is authenticated (745), the server generates a predetermined financial content integration fee payment application electronic document including the image content (755).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it is. It is preferable to process the electronic contents for the application for payment of the consolidated fee for the financial contents for the integrated fee for the use of the fee.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Consolidate the usage fee for the use of financial-related content (or VM) of the mobile content in the image file corresponding to the image content including at least one or more information of the payment account information by the watermarking method It is desirable to create a billing application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. By generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT, the financial-related content (or VM) of the mobile content is generated. It is preferable to generate a financial content integration fee payment application electronic document for the usage fee integrated payment for the use.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Generating image content including at least one or more information of payment account information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for the application for payment of the consolidated fee for the financial contents for the unified payment.

According to another exemplary embodiment of the present invention, the server may integrate the image content received from the information registration terminal 180 and the financial content integration fee received through the information receiver 115 through the image receiver 120. A predetermined document file including payment request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is preferable to generate a financial content integration fee payment application electronic document for the integrated use fee payment for the use of the financial-related content (or VM) of the mobile content.

Alternatively, the server may include customer information included in the financial content integrated fee payment request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120, Generating image content including at least one or more information of payment account information by a watermarking method, and a predetermined document file (eg, PDF (PDF) including the generated image content and the financial content integration fee payment request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). Generate an electronic document for the application for payment of the consolidated fee for financial contents for the consolidated payment for the use of the contents (or VM). It is preferable to.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial content integration fee payment application electronic document in an image file format and / or a predetermined document file format, and the financial content integration fee. Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment request electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial content integration fee payment application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 linked to a server on the financial content management system through predetermined communication means. When provided with, the server preferably transmits the generated financial content integration fee payment application electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) Do.

Or, if the electronic document storage is provided on the DBMS provided in the financial content management system, the server is the electronic document on the DBMS provided in the financial content management system for the generated financial content integration fee payment application electronic document It is possible to store in the electronic document D / B 170 corresponding to the storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial content integrated fee payment application electronic document in the electronic document repository may be performed by linking the generated financial content integrated fee payment application electronic document with predetermined electronic document management information. It is preferably made to include storing in the electronic document D / B (170) shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial content integrated fee payment application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic contents payment application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a financial content integrated fee payment application corresponding to the image content, and / or financial information for transmitting the financial content integrated fee payment application electronic document. Institution information, and / or electronic document file format information, and / or the financial content integration fee payment request information, etc.).

If the electronic content storage fee application electronic document is stored in the electronic document storage (765), the server stores the predetermined information by linking the customer information, payment account information included in the financial content integration fee payment request information Stored in the medium 145 (770), predetermined information registration history information (e.g., the history of storing the financial content integration fee payment application electronic document in the electronic document storage, and / or the storage medium 145 the Financial content integration fee payment request information stored information) is generated (or extracted) and transmitted to the terminal (775).

According to one embodiment of the invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the Storage medium 145 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), whereby the present invention is limited Not.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial content management system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

FIG. 8 illustrates a non-face-to-face financial contents operating system for integrated payment of a usage fee for the use of financial-related content (or VM) among mobile contents according to another exemplary embodiment of the present invention.

In more detail, Figure 8 shows a predetermined customer's information and payment account information for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content to the financial content management system through a predetermined information registration interface. When providing the financial content integration fee payment request information including at least one, the financial content management system generates a predetermined financial content integration fee payment request electronic document including the provided financial content integration fee payment request information The electronic document is stored in an electronic document repository, and the customer information and payment account information included in the financial content integration fee payment request information are linked to a system configuration for storing in a predetermined storage medium 840. Specifically, the electronic document When the depository operates the financial contents through a predetermined communication means It relates to a method embodiment, which is provided on the outside of the system associated with system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to configure a financial content management system for integrated payment of usage fees for the use of financial-related content (or VM) among mobile contents. 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.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the financial contents operation system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the financial contents integrated fee payment application electronic document is illustrated as being generated on the server side on the financial contents operation system, but the present invention is not limited thereto. The financial content integrated fee payment request electronic document may be generated on the terminal side which inputs (or selects) the financial content integrated fee payment request information and transmits the information (eg, the electronic document generation function provided on the server side is included in the terminal). Provided at the side to generate the electronic contents payment application electronic documents), whereby the present invention is not limited.

Hereinafter, the financial contents integrated fee payment request information is received from the customer through a predetermined information registration interface on the financial contents operation system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for storing in the document storage and storing the financial content integration fee payment request information in a predetermined storage medium 840 is referred to as "information registration server 800" for convenience. do.

Referring to FIG. 8 according to an embodiment of the present invention, a financial content operating system for integrated payment of a usage fee for the use of financial-related content (or VM) among the mobile contents may include a wired terminal and / or wireless device used by a customer. And an information registration terminal 870 including at least one client terminal or the like including at least one terminal, wherein the information registration terminal 870 is provided through the predetermined network means. The communication channel is connected to the information registration server 800 provided on the.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Input (or select) financial content integration fee payment request information for integrated payment of a usage fee for the use of financial-related content (or VM) of the mobile content through at least one user interface provided by the information registration server 800 ), It is preferable to transmit the information from the client terminal to the information registration server 800 provided on the financial content management system through a predetermined 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 includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (eg, refrigerator, Set-Top-Box, etc.) connected to the TCP / IP-based communication network, or kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 800 is a CDMA based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or 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 information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration server 800. 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 information registration server 800, 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial content management system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the information registration server 800. And / or the wireless communication network performs a function of an information registration interface for registering, by the customer, the financial contents integrated fee payment request information for the integrated fee payment for the use of financial-related content (or VM) among the mobile contents.

According to another exemplary embodiment of the present invention, the information registration terminal 870 is an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial contents operation system as described above, when the information registration terminal 870 is the financial automation device (not shown), the financial automation device (not shown) and the financial automation device (not shown) and the information registration The financial network connecting the server 800 has a function of an information registration interface for registering the financial contents integrated fee payment request information for the customer to consolidate payment for the use of the financial-related content (or VM) among the mobile contents. And / or when the information registration terminal 870 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the information registration server 800. Wired network and / or wireless telephone network is the financial content integration for the customer to consolidate the payment fee for the use of financial-related content (or VM) of the mobile content. Perform a function of an information registration interface for registering payment request information, and / or the information registration terminal 870 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution; The network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 800 may be provided by the customer. Or a function of an information registration interface for registering the financial contents integrated fee payment request information for the integrated fee used payment for the use of VM).

The storage medium 840 provided on the financial content management system according to the present invention performs a process of linking the customer information and payment account information included in the financial content integrated fee payment request information provided from the information registration terminal 870. And store the data in a predetermined storage medium 840.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial content management system corresponding to the customer by It is preferable to make.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is an actual account or an OA (On-line Account). It is preferable.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

According to one embodiment of the invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the The storage medium 840 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 840 is provided on (or associated with) the financial content management system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the financial content management system according to the present invention is a generic term for the components of the financial content management system side connected to the information registration terminal 870 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included 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 information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 870 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 805 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP 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 800, the interface unit 805 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 870 is a financial automatic device connected to a predetermined financial network, the interface unit 805 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 an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (12ireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (12ireless Markup Language) compliant webpage, or an HTML compliant webpage) and / or information 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 800, the interface unit 805 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 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, when the predetermined information registration terminal 870 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the mobile terminal may be connected to the mobile terminal. The information registration server 800 inputs (or selects) predetermined financial content integration fee payment request information from the information registration terminal 870 in order to consolidate the payment for the use of financial-related content (or VM) among contents. An interface providing unit for generating (or extracting) at least one user interface for transmitting to the information registration terminal 870 to generate (or extract) at least one user interface and to provide the generated (or extracted) user interface in association with the interface unit 805 ( 810 and the information registration terminal 870 input (or select) and transmit the financial content integration fee payment request information through the user interface. In conjunction with device 805 to the information characterized in that formed by having an information receiving unit 815 for receiving the financial payment request, the content integration charge information transmitted from the registered terminal (870).

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. When requesting a user interface for integrated payment of a usage fee for the use of financial-related content (or VM) among mobile contents, the information registration terminal 870 inputs (or selects) predetermined financial content integration fee payment request information. Create at least one user interface for transmission to the information registration server 800 via the network means, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 805 generates the ( Or the extracted) user interface to the information registration terminal 870 via the network means.

According to an embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and And / or 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 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is a financial transaction related program provided in the financial automation device. 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 ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

At least one of inputting (or selecting) predetermined financial content integration fee payment request information to the information registration terminal 870 according to another embodiment of the present invention and transmitting the information to the information registration server 800 through the network means. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) predetermined financial content integration fee payment request information is transmitted to the information registration server 800 as described above. The interface providing unit 810 may be omitted (or extracted) and provided to the information registration terminal 870, and the present invention is not limited thereto.

Thereafter, the information registration terminal 870 inputs (or selects) financial content integrated fee payment request information including at least one of the customer information and payment account information through the user interface, and the input (or selected) The financial content integration fee payment request information is transmitted to the information registration server 800 through the network means. In response thereto, the information receiving unit 815 is connected to the interface unit 805 and the information registration terminal 870. Characterized in that the financial content integration fee payment request information transmitted from the receiving.

According to an embodiment of the present invention, the information registration terminal 870 is the financial content integration fee including at least one or more customer information, payment account information in the financial content integration fee from the information registration server 800 in the payment request information The network means further includes at least one or more predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the payment request information. It is preferable to transmit to the information registration server 800.

According to an exemplary embodiment of the present invention, the information registration terminal 870 includes at least one encryption method (eg, a symmetric key based encryption method) for financial content integration fee payment request information including at least one of the customer information and payment account information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or a predetermined digital signature is added to the financial content integration fee payment request information. In addition, it is preferable to transmit to the information registration server 800 through the network means, for this purpose, the information registration terminal 870 has at least one encryption key corresponding to the encryption scheme, and / or at least Have a predetermined certificate containing one or more encryption keys, and / or the certificate is 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 financial content integrated fee payment request information, and attaches a predetermined electronic signature to the financial content integrated fee payment request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the financial content integration fee payment request information transmitted from the information registration terminal 870 is received through the information receiving unit 815, the information registration server 800 integrates the received financial content. It is characterized in that the billing request information is provided with a validity check unit 820 to determine whether the validity for the billing integrated payment for the use of the financial-related content (or VM) of the mobile content.

According to an embodiment of the present invention, the financial content integration fee payment request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity checker 820 may include the at least one decryption scheme (eg, a symmetric key based scheme) corresponding to the encryption scheme. Decryption method, and / or public key-based decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc., thereby validating the validity of the received financial content integrated fee payment request information. It is desirable to.

Alternatively, when a predetermined electronic signature is attached to the financial content integrated fee payment request information, the validity verification unit 820 checks the electronic signature attached to the financial content integrated fee payment request information, thereby receiving the received financial content. It is desirable to verify the validity of the integrated fee payment request information.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted financial content integrated fee payment request information, and the electronic signature attached to the financial content integrated fee payment request information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the financial content integration fee payment request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the financial content integration fee payment request information, The validity verification unit 820 compares and authenticates the password included in the financial content integrated fee payment request information with the password provided corresponding to the customer on the DBMS, thereby receiving the received financial content integrated fee payment request information. It is desirable to authenticate the validity of the.

Alternatively, when the financial content integrated fee payment request information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the financial content integrated fee payment request information, the validity check The unit 820 compares and authenticates the security card information included in the financial content integrated fee payment request information with the security card information provided corresponding to the customer on the DBMS, thereby verifying the received financial content integrated fee payment request. It is desirable to authenticate the validity of the information.

Alternatively, when the financial content integration fee payment request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the financial content integration fee payment request information, the validity checking unit 820 compares and authenticates the received OTP code included in the financial content integration fee payment request information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to authenticate the validity of the financial content integration fee payment request information.

According to an embodiment of the present invention, the validity check of the financial content integration fee payment request information is at least one matched with the financial content integration fee payment request information on the ledger D / B on the financial system associated with the financial content operation system It is preferable to include checking whether the above ledger information is registered.

For example, the validity checker 820 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the financial content operation system among information included in the financial content integrated fee payment request information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include whether it is matched with the account ledger stored in the ledger on the financial system associated with the financial content management system of the payment account information among the information contained in the received financial content integration fee payment request information D / If it is confirmed that the match with the account ledger stored in B, it is preferable to further check the customer ledger connected to the account ledger, to further check whether or not it is a financial account under the name of the customer.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

Referring to FIG. 8, when the validity of the financial content integrated fee payment request information is authenticated through the validity checker 820, the information registration server 800 includes the received financial content integrated fee payment request information. An electronic document generation unit 825 for generating a predetermined financial content integrated fee payment application electronic document, and an electronic document for transmitting the generated financial content integrated fee payment application electronic document to an electronic document repository associated with the financial content operation system; Characterized in that it comprises a document transmission unit 830.

The electronic document generation unit 825 generates the financial content integration fee payment request electronic document including the financial content integration fee payment request information received from the information registration terminal 870 through the information receiving unit 815. It features.

According to an embodiment of the present invention, the electronic document generation unit 825 includes at least one customer information and payment account information included in the financial content integration fee payment request information received through the information receiving unit 815. A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including the MHT, etc.) is preferably processed as a financial content integration fee payment application electronic document for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received through the information receiver 815, and A document file including document contents including the watermarking after including at least one of customer information and payment account information included in the financial content integrated fee payment request information in a document content in a 12atermarking manner. For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) Processed as electronic contents application for payment of financial content integration fee for consolidated payment for use of related content (or VM) It is preferable.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received through the information receiver 815, and Integration of an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) for use of financial-related contents (or VM) among the mobile contents It is preferable to process the electronic contents of the application for payment of the consolidated fee for financial contents for payment.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received through the information receiver 815, and At least one of customer information and payment account information included in the financial content integration fee payment request information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). After including the watermarking (12atermarking) method, the payment of the financial content integration fee for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in the image file including the image content including the watermarking It is desirable to process the application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one customer information and payment account information included in the financial content integration fee payment request information received through the information receiving unit 815. A predetermined document file (for example, PDF (Portable Document Format)) is generated that includes document content including an image content and includes image content (eg, image content generated by capturing the document content on a memory). ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT. It is preferable to process the financial contents integrated fee payment application electronic document for the integrated fee used for the use of VM).

Alternatively, the electronic document generator 825 generates document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received through the information receiver 815, and At least one of customer information and payment account information included in the financial content integration fee payment request information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). Generate image content including watermarking (12atermarking) method, and include a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. / DOC, word processing files containing at least one, or Web document files containing MHT, etc.) As such, it is preferable to process the financial content integration fee payment application electronic document for the integrated payment of the charges for the use of the financial-related content (or VM) of the mobile content.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one customer information and payment account information included in the financial content integration fee payment request information received through the information receiving unit 815. A predetermined document including document content including an image content (eg, image content generated by capturing the document content on a memory) and the financial content integrated fee payment request information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Application for payment of financial content integration fee for consolidated payment for use of financial-related content (or VM) among the mobile contents Advice is preferred to process each other.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received through the information receiver 815, and At least one of customer information and payment account information included in the financial content integration fee payment request information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). A document file (eg, a PDF (Portable Document Format) file or EDI) is generated that generates image content including a watermarking method and includes the watermarking image content and the financial content integration fee payment request information. (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., By creating a web page file, etc.), including the MHT, it is preferable to handle the financial content integration charges apply for electronic payment documents for consolidated billing charges for the use of financial content (or VM) of the mobile content.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825 and the technical features for generating an electronic file for the financial content integration fee payment application of the image file format and / or a predetermined document file format and Since the technical features of the file format of the image file and / or the document file corresponding to the financial content integrated fee payment application electronic document will be understood, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits the electronic content generation fee payment application electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the financial content operation system and stores the electronic document. It features.

As shown in FIG. 8, the electronic document repository is connected to an information registration server 800 on the financial contents operation system through a predetermined communication means, and a predetermined electronic document server 845 and an electronic document D / B 865. When provided to the outside, the electronic document transmission unit 830 is the electronic document server through the communication means for the electronic content generation fee payment application electronic document generated by the electronic document generation unit 825 It is characterized in that the transmission to (845).

Here, when the electronic document server 845 and the electronic document D / B (865) is provided outside the financial content management system, the electronic document server 845 and the electronic document D / B (865) It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial content management system, the electronic document transmission unit 830 is the electronic document generation unit 825 generated by the It is possible to store the financial content integrated fee payment application electronic document in the electronic document D / B 865 corresponding to the electronic document storage on the DBMS provided in the financial content operation system, thereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 830 is electronic document related information for generating predetermined electronic document management information in the electronic document server 845 (for example, the financial content integration fee payment request information) Customer information, and / or financial institution information, and / or electronic document file format information, and / or the financial content integration fee payment request for transmitting the electronic contents payment request electronic document. Information, etc.) can be further transmitted to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the information registration server 800 may include financial-related contents (or financial contents) of the mobile content through the validity checker 820. When the validity for the integrated fee payment for the use of the VM) is authenticated, the predetermined storage medium 840 is processed by linking the customer information and the payment account information included in the financial content integrated fee payment request information of which the validity is verified. And an information storage unit 835 stored in the storage unit.

When the validity of the financial content integrated fee payment request information is confirmed by the validity confirming unit 820, the information storage unit 835 stores the customer information and payment account information included in the financial content integrated fee payment request information. The storage medium 840 is stored in the storage medium 840, and the storage medium 840 is provided in the information registration server 800 or is provided on a network associated with the information registration server 800. In this case, the information storage unit 835 preferably processes the customer information and payment account information included in the received financial content integration fee payment request information and stores the information in the storage medium 840, wherein the storage medium ( If the 840 is provided in the DBMS provided on the financial system, the information storage unit 835 stores the customer information and payment account information included in the received financial content integration fee payment request information. To step through the available information on the FEP-based banking system is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 8, a predetermined financial content integration fee payment request electronic document is received from the information registration server 800 provided on the financial content operation system, and stored and managed in a predetermined electronic document D / B 865. The electronic document server 845 includes an electronic document receiving unit 850 for receiving a predetermined financial content integration fee payment request electronic document from the information registration server 800 through a predetermined communication unit, and the received financial content integration. An information generation unit 855 for generating predetermined electronic document management information for storing and managing a fee payment application electronic document in the electronic document D / B 865; and the electronic document management information and the financial content integrated fee payment And an electronic document storage unit 860 for linking and processing the applied electronic document to a predetermined electronic document D / B 865.

The electronic document receiving unit 850 is characterized in that for receiving the financial content integration fee payment request electronic document in the form of an image file and / or document file from the information registration server 800 through the communication means.

According to an exemplary embodiment of the present invention, the financial content integration fee payment request electronic document received by the electronic document receiving unit 850 through the communication means is received by the information registration server 800 from the information registration terminal 870. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document contents including at least one of customer information and payment account information included in a financial content integrated fee payment request information; Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

Alternatively, the financial content integration fee payment request received by the electronic document receiving unit 850 through the communication means is the financial content integration fee payment request received by the information registration server 800 from the information registration terminal 870. Watermarking method includes at least one of customer information and payment account information included in the financial content integration fee payment request information in document content including at least one customer information and payment account information included in the information. Then, a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing the document content including the watermarking, Or a web document file including the MHT).

Alternatively, the electronic document receiver 850 receives the financial content integrated fee payment request received through the communication means. The electronic document receiving fee is received from the information registration terminal 870 by the information registration server 800. An image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the request information. It is preferable to make it.

Alternatively, the financial content integration fee payment request received by the electronic document receiving unit 850 through the communication means is the financial content integration fee payment request received by the information registration server 800 from the information registration terminal 870. The financial content integration fee payment request to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the information. After at least one of customer information and payment account information included in the information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the financial content integration fee payment request electronic document received by the electronic document receiving unit 850 through the communication means is the information registration server 800 from the information registration terminal 870 Image content capturing document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information (eg, image content generated by capturing the document content on a memory). A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the financial content integration fee payment request received by the electronic document receiving unit 850 through the communication means is the financial content integration fee payment request received by the information registration server 800 from the information registration terminal 870. The financial content integration fee payment request to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the information. Create image content including at least one or more of the customer information and payment account information included in the information by a watermarking method, and a document file (eg, PDF (Portable) including the image content including the watermarking. At least one document format (EDI) file, electronic data interchange (EDI) file, or HWP / DOC A word processor file, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial content integration fee payment request electronic document received by the electronic document receiving unit 850 through the communication means, the information registration server 800 is the information registration terminal 870 Image content (e.g., an image generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received from A word including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including contents) and the financial content integration fee payment request information. Processor file, or a web document file including MHT).

Alternatively, the financial content integration fee payment request received by the electronic document receiving unit 850 through the communication means is the financial content integration fee payment request received by the information registration server 800 from the information registration terminal 870. The financial content integration fee payment request to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the information. Generate image content including at least one or more of customer information and payment account information included in the information by a watermarking method, and include the image content including the watermarking and the financial content integration fee payment request information. Document files (e.g., Portable Document Format (PDF) files, or EDI (Electronic Data Interchange) It comprises a work, or a word processor including at least one of HWP / DOC, file, or web page file containing the MHT, etc.) are preferred.

The information generating unit 855 is a predetermined electronic document unique number (or unique information) to be assigned to the financial content integration fee payment application electronic document received through the electronic document receiving unit 850, and the electronic document receiving unit 850 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time the financial content integrated bill payment application electronic document is stored) received the financial content integrated bill payment application electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 855 refers to the information registration server 800 that transmits the financial content integration fee payment request electronic document received through the electronic document receiving unit 850. It is preferable to check the financial institution that has sent the financial content integrated fee payment application electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 800 through the electronic document receiving unit 850, the information generating unit 855 receives the received information. Electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial content integrated fee payment request information) and / or financial institution information transmitting the financial content integrated fee payment request electronic document, and / or electronic It is preferable to generate electronic document management information further including document file format information, and / or the financial content integration fee payment request information.

The electronic document storage unit 860 processes the electronic document management information generated by the financial content integration fee payment request electronic document received through the electronic document receiving unit 850 and the information generation unit 855 to a predetermined process. Characterized in that stored in the electronic document D / B (865).

According to an exemplary embodiment of the present invention, the financial contents integrated fee payment application electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is registered by the information registration server 800. A document file (eg, a Portable Document Format (PDF) file, or an EDI file) including document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received from the terminal 870. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 860 receives the financial content integrated fee payment request electronic document stored in the electronic document D / B 865 from the information registration server 800 to the information registration terminal 870. Water at least one of customer information and payment account information included in the financial content integrated fee payment request information in document content including at least one customer information and payment account information included in the financial content integrated bill payment request information. At least one document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including document content including the watermarking after being included in a marking (12atermarking) method. Or a web document file including the MHT).

Alternatively, the electronic document storage unit 860 stores the financial content integrated fee payment application electronic document stored in the electronic document D / B 865 that the information registration server 800 receives from the information registration terminal 870. Includes image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the financial content integration fee payment request information. It is preferable to include an image file.

Alternatively, the electronic document storage unit 860 stores the financial content integrated fee payment application electronic document stored in the electronic document D / B 865 that the information registration server 800 receives from the information registration terminal 870. The image content (eg, image content generated by capturing the document content on the memory) captured by the document content including at least one of customer information and payment account information included in the financial content integration fee payment request information. Comprising at least one or more of the customer information and payment account information included in the financial content integration fee payment request information by watermarking (12atermarking) method, and comprises an image file including the image content including the watermarking desirable.

According to another embodiment of the present invention, the financial content integration fee payment application electronic document stored in the electronic document storage unit 860 in the electronic document D / B (865) is the information registration server 800 the information Image content (eg, capturing the document content on the memory) which captures document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received from the registration terminal 870. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated by It is preferable that the web document file including a).

Alternatively, the electronic document storage unit 860 stores the financial content integrated fee payment application electronic document stored in the electronic document D / B 865 that the information registration server 800 receives from the information registration terminal 870. The image content (eg, image content generated by capturing the document content on the memory) captured by the document content including at least one of customer information and payment account information included in the financial content integration fee payment request information. A document file including image content including at least one of customer information and payment account information included in the financial content integration fee payment request information by watermarking, and including the watermarking. For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like may be included. Preferably includes a word processor file, or a web document file including an MHT).

According to another exemplary embodiment of the present invention, the financial content integrated fee payment application electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is the information registration server 800. Image content capturing document content including at least one of customer information and payment account information included in the financial content integration fee payment request information received from the information registration terminal 870 (for example, the document content on the memory). At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the captured image content) and the financial content integration fee payment request information. And at least one word processor file or web document file including MHT).

Alternatively, the electronic document storage unit 860 stores the financial content integrated fee payment application electronic document stored in the electronic document D / B 865 that the information registration server 800 receives from the information registration terminal 870. The image content (eg, image content generated by capturing the document content on the memory) captured by the document content including at least one of customer information and payment account information included in the financial content integration fee payment request information. Integration of financial content fee Generates image content including at least one or more of the customer information and payment account information included in the payment request information by a watermarking method, and integrates the image content and the financial content including the watermarking. Document file containing billing request information (eg, Portable Document Format (PDF) file, or Electronic Data Interchange (EDI)) File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by the electronic document storage unit 860 in association with the financial content integrated fee payment application electronic document, the financial It is preferable that a predetermined electronic document unique number (or unique information) assigned to the content integration fee payment request electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by processing the electronic document storage unit 860 in association with the financial content integration fee payment request electronic document is The financial contents integrated fee payment request electronic document may be further included in the financial institution integrated fee payment request electronic document confirmed by referring to the information registration server 800 that sent the electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 860 is associated with the financial content integration fee payment application electronic document. The electronic document management information that is processed and stored in the electronic document D / B 865 includes customer information transmitted by inputting (selecting) the received electronic document related information (eg, the financial content integration fee payment request information), and And / or financial institution information for transmitting the financial content integrated fee payment request electronic document, and / or electronic document file format information, and / or the financial content integrated fee payment request information.

9 is a non-face-to-face ledger D / B 900 provided in a DBMS in a non-face-to-face manner for integrated payment of usage fees for the use of financial-related content (or VM) among mobile content according to one embodiment of the present invention. FIG. Is a diagram illustrating the configuration of the stored financial content integrated fee payment request information.

In more detail, in FIG. 9, when the storage medium 840 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 is used. FIG. 9 illustrates an information structure for an implementation method of storing the financial contents integrated fee payment request information including the customer information and the payment account information, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 9 While referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the financial contents integrated fee payment request information in the ledger D / B 900, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 900 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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 receipt information, and / or trust receipt information including 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, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history 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. 9, the financial content integrated fee payment request information provided through the financial content operation system shown in FIG. 8 is stored in the form of additional information added to the account ledger. The request information may include at least one of customer information and payment account information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial content management system corresponding to the customer by It is preferable to make.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is an actual account or an OA (On-line Account). It is preferable.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

According to another exemplary embodiment of the present invention, the financial content integration fee payment request information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Can be stored in the form of additional information added to the) and / or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

10 is a ledger D / B 900 provided in a DBMS on a financial system in a non-face-to-face manner in order to consolidate payment for the use of financial-related content (or VM) among mobile contents according to another embodiment of the present invention. FIG. 1 is a diagram illustrating the configuration of financial content integration fee payment request information stored in a database associated with a.

In more detail, FIG. 10 shows an information structure for an implementation method in which the storage medium 840 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 900 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 10 and transmit the financial contents integrated fee payment request information to a predetermined database in the ledger D / B (900). It is possible to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the financial contents integrated fee payment request information in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, the policy of the financial institution). When it is not easy to change the ledger D / B 900 of the DBMS, or the system expansion is not easy due to the characteristics of the financial system), the financial contents integration fee in a predetermined database instead of the ledger D / B 900 A method of storing payment request information and storing the payment request information in association with the database and the ledger D / B 900 is illustrated.

In addition, the database shown in FIG. 10 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database stores and stores the customer information and payment account information included in the financial content integrated fee payment request information. The financial content integrated fee payment request information is stored in the ledger D /. It is preferable that the CIF number corresponding to the ledger information is further included in the financial content integrated fee payment request information so as to be linked with the B 900.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial content management system corresponding to the customer by It is preferable to make.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one of an account number, an account alias, an account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is an actual account or an OA (On-line Account). It is preferable.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

11 is a financial content integration fee stored in the DBMS provided in the banking server in a non-face-to-face for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content in accordance with another embodiment of the present invention It is a figure which shows the structure of request information.

More specifically, in Figure 11, the storage medium 840 shown in Figure 8 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of constructing information on the financial content integration fee payment request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Referring to FIG. 11, a predetermined DBMS provided in the banking server may store and store customer information and payment account information included in the financial content integrated fee payment request information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial content management system corresponding to the customer by It is preferable to make.

The payment account information is integrated into the financial account designated by the customer among the financial accounts held by the customer instead of the method of being billed in addition to the conventional communication fee when the payment is processed by integrating the financial content usage fee generated by the customer using the financial content. It is preferable to include at least one or more account number, account alias, account opening financial institution name, etc. for payment processing based on the deposited amount, and the payment account is a real account or OA (On-line Account) Is preferably.

If the payment account information held by the customer is omitted, or it is possible to automatically open and set the OA according to the customer's selection.

12A and 12B illustrate a process of registering financial content integration fee payment request information in a non-face-to-face manner in order to consolidate payment for the use of financial-related content (or VM) among mobile contents according to an embodiment of the present invention. Figure is shown.

12A and 12B show that the information registration terminal 870 on the financial content management system shown in FIG. 8 is a client terminal, and the information registration server 800 is connected to a client terminal through a predetermined network means. In the case of having a web server function, at least one of customer information and payment account information is provided through a client terminal for the integrated payment of a usage fee for the use of financial-related content (or VM) among the mobile contents. When providing the financial content integrated fee payment request information including the above, the financial content management system generates a predetermined financial content integrated fee payment request electronic document including the provided financial content integrated fee payment request information and a predetermined electronic document storage The image included in the financial content integration fee payment request information stored in the An embodiment of the present invention relates to an implementation method of linking and processing customer information and payment account information in a predetermined storage medium 840. Those skilled in the art may refer to FIGS. 12A and 12B. And / or modified to infer various implementation methods for registering the financial content integration fee payment request information from the client terminal to the information registration server 800, but the present invention includes all the implementation methods inferred. However, the present invention is not limited to the implementation method shown in FIGS. 12A and 12B.

For example, in the implementation method illustrated in FIGS. 12A and 12B, a predetermined web page provided by the information registration server 800 provides a user interface for the client terminal to input (or select) the financial content integration fee payment request information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, whereby the present invention is not limited. .

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information and payment account information transmitted to the information registration server 800 is referred to as "financial content integration fee payment request information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the mobile When requesting a web page including a user interface for integrated payment of a usage fee for the use of financial-related content (or VM) among the contents (1200), the server correspondingly at least one of the customer information, payment account information A web page including a user interface for inputting (or selecting) information on payment request for consolidated financial contents including information to be transmitted to the server. And generate (or extract) 1205, and transmit and output a web page including the generated (or extracted) user interface to the terminal through the network means (1210).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the financial content integration fee payment request information. This is not limited.

Thereafter, the terminal inputs (or selects) financial content integration fee payment request information including at least one or more customer information and payment account information through the user interface included in the web page (1215).

If the terminal receives (or selects) financial content integration fee payment request information including the customer information and payment account information through the user interface (1220), the terminal inputs (or selects) the communication channel. The customer information and payment account information are transmitted to the server (1225).

According to an embodiment of the present invention, the terminal checks the validity of the financial content integration fee payment request information in the server to the financial content integration fee payment request information including at least one of the customer information and payment account information. Preferably, at least one or more of a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator are transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or disclose financial content integration fee payment request information including at least one of the customer information and payment account information). The network means by encrypting with a key-based encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, etc.) and / or attaching a predetermined electronic signature to the financial content integration fee payment request information. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, And / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC It is preferable that a card reader is provided for confirming the public certificate provided in the chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or disclose financial content integration fee payment request information including at least one of the customer information and payment account information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial content integrated fee payment request information, and attaches a predetermined electronic signature to the financial content integrated fee payment request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the payment account information through the communication channel to check the validity of the financial content integrated fee payment request information (1230).

According to an embodiment of the present invention, the financial content integration fee payment request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme to the encrypted financial content integration fee payment request information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received financial content integrated fee payment request information.

Alternatively, when a predetermined electronic signature is attached to the financial content integration fee payment request information, the server checks the electronic signature attached to the financial content integration fee payment request information, thereby receiving the received financial content integration fee payment request information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted financial content integrated fee payment request information, and the electronic signature attached to the financial content integrated fee payment request information. Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the financial content integration fee payment request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the financial content integration fee payment request information, The server authenticates the validity of the received financial content integrated fee payment request information by comparing and authenticating the password included in the financial content integrated fee payment request information with the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the financial content integration fee payment request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial content integration fee payment request information, the server may include: The validity of the received financial content integrated fee payment request information is verified by comparing and authenticating the received security card information included in the financial content integrated fee payment request information with the security card information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

Alternatively, when the financial content integration fee payment request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the financial content integration fee payment request information, the server may be configured. Integrate the received financial content fee by comparing and authenticating the received OTP code included in the financial content integration fee payment request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate the validity of the payment request information.

According to an embodiment of the present invention, the validity check of the financial content integration fee payment request information is matched with the financial content integration fee payment request information to the ledger D / B 900 on the financial system linked to the financial content operation system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity checker 820 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the financial content operation system among information included in the financial content integrated fee payment request information. It is preferably made to include matching with the customer ledger stored in the D / B (900).

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include a check to match with the account ledger stored in the 900, the payment account information of the information contained in the received financial content integration fee payment request information on the financial system associated with the financial content management system If it is confirmed that the match with the ledger D / B (900) stored in the ledger, it is preferable to further check the customer ledger associated with the account ledger, to further determine whether or not it is a financial account of the customer name.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

If the validity of the financial content integration fee payment request information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240), and integrates the financial content. The information registration procedure corresponding to the billing request information is not performed.

On the other hand, if the validity of the financial content integration fee payment request information is authenticated (1235), the server may include predetermined document content including at least one or more customer information and payment account information including the financial content integration fee payment request information. In operation 1250, a predetermined financial content integrated fee payment application electronic document including the document content is generated in operation 1250.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received financial content integration fee payment request information, and includes a document including the document content. The mobile content may include a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the financial contents integrated fee payment application electronic document for the integrated payment of the usage fee for the use of financial-related content (or VM).

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and includes the document content in the financial content integration fee payment request information. After including at least one or more information of the customer information, payment account information, etc. in a watermarking (12atermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI ( Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like for the use of financial-related content (or VM) among the mobile contents. It is preferable to process the electronic contents of the application for payment of the consolidated fee for financial contents for payment.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Processing the image file including the image content generated by capturing the document content on a memory into an electronic document for the payment of the electronic contents for the integrated payment of the financial contents for the consolidated payment of the use of the financial-related contents (or VM) among the mobile contents. It is desirable to.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Image content generated by capturing the document content on a memory) and including at least one of customer information and payment account information included in the financial content integration fee payment request information by a watermarking method, It is preferable to process the image file including the included image content to the financial content integration fee payment application electronic document for the consolidated payment for the use of the financial-related content (or VM) of the mobile content.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received financial content integration fee payment request information, and captures the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). Financial content for integrated payment of usage fees for the use of financial-related content (or VM) among the mobile content by generating a word processor file including at least one of / DOC, etc., or a web document file including MHT) It is desirable to process the integrated fee payment application electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information and payment account information included in the financial content integration fee payment request information by a watermarking method. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or a web document file including MHT) It is preferable to process the financial contents integrated fee payment application electronic document for the integrated fee used for the use of the content (or VM).

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file) including captured image content (eg, image content generated by capturing the document content on a memory) and the financial content integration fee payment request information; or Use of financial-related content (or VM) of the mobile content by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to process the electronic contents for the application for payment of the consolidated fee for the financial contents for the consolidated payment for the usage fee.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information and payment account information included in the financial content integration fee payment request information in a watermarking manner. And a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking and the financial content integration fee payment request information. Create a word processor file containing at least one, or a web document file containing MHT) By preferably treated with a financial content integration charges apply for electronic payment documents for consolidated billing charges for the use of financial content (or VM) of the mobile content.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial content integration fee payment application electronic document in an image file format and / or a predetermined document file format, and the financial content integration fee. Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment request electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial content integration fee payment application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 845 and an electronic document D / B 865 associated with a server on the financial content management system through predetermined communication means. When provided externally, the server transmits the generated financial content integration fee payment application electronic document to the electronic document server 845 through the communication means to store in the electronic document D / B (865) desirable.

Or, if the electronic document storage is provided on the DBMS provided in the financial content management system, the server is the electronic document on the DBMS provided in the financial content management system for the generated financial content integration fee payment application electronic document It is possible to store in the electronic document D / B 865 corresponding to the storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial content integrated fee payment application electronic document in the electronic document repository may be performed by linking the generated financial content integrated fee payment application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B 865 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial content integrated fee payment application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic contents payment application electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial content integrated fee payment request information), and / or the financial content integrated fee payment application electronic document. Financial institution information, and / or electronic document file format information, and / or the financial content integration fee payment request information, etc.).

If the electronic contents payment application electronic document is stored in the electronic document storage (1260), the server stores the predetermined information by linking the customer information, payment account information included in the financial content integration fee payment request information Stored in the medium 840 (1265), predetermined information registration history information (e.g., the details of storing the financial content integration fee payment request electronic document in the electronic document storage, and / or the storage medium 840 The details of storing the financial content integration fee payment request information) are generated (or extracted) and transmitted to the terminal (1270).

According to one embodiment of the invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the Storage medium 840 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), whereby the present invention It is not limited.

According to another embodiment of the present invention, the storage medium 840 is provided on (or associated with) the financial content management system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

Figures 13a, 13b and 13c is a request for the payment of financial content integration fee through a non-face-to-face financial transaction channel for the integrated payment of the usage fee for the use of financial-related content (or VM) of mobile content in accordance with an embodiment of the present invention A diagram illustrating a process of registering information.

More specifically, FIGS. 13A, 13B, and 13C illustrate a case where the financial content operation system illustrated in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial content operation illustrated in FIG. 8). In the case where the information registration server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Then, when the client terminal transmits predetermined financial content integration fee payment request information for the integrated payment of the usage fee for the use of financial-related content (or VM) of the mobile content, the Internet banking server, Before the application for payment of the predetermined financial content integration fee including the received financial content integration fee payment request information The present invention relates to a method of generating a document and storing it in a predetermined electronic document repository, and storing the document in a predetermined storage medium 840 by cooperatively processing the customer information and payment account information included in the financial content integrated fee payment request information. For those of ordinary skill in the art to which the present invention pertains, the financial content integration fee payment request information is provided through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 13a, 13b, and 13c. 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 13a, 13b and 13c.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering financial content integration fee payment request information between the client terminal and the internet banking server based on the browser program is shown, it is common knowledge in the technical field to which the present invention pertains. If a person with a reference to the Internet banking-based financial transaction channel connection method using the browser program shown in Figure 13a, Figure 13b and Figure 13c and / or modified to a predetermined Internet banking program mounted on the client terminal Based on the client terminal Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering financial content integration fee payment request information between Internet banking servers, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face channel-based financial transactions channels for registering financial content integration fee payment request information. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is by no means limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C. .

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 800 is referred to as a "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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 in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

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 and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is a method of attaching a predetermined digital 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 and / or at least one or more encryption schemes. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). A communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also from the terminal to the server for registering the financial content integration fee payment request information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption 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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering the financial content integration fee payment request information in the terminal. Attach certain electronic signatures to information (or data) to be provided by When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (1335a).

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 and / 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 according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), 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 (1350a), 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 (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined financial content integrated fee payment request information for the integrated use fee for the use of financial-related content (or VM) among mobile contents from the terminal to the server. Means.

Subsequently, when the terminal requests a web page including a user interface for consolidated payment for the use of financial-related content (or VM) of the mobile content to the server through an internet banking-based financial transaction channel (1300b). In response, the server inputs (or selects) financial content integrated fee payment request information including at least one of the customer information and payment account information, and generates a web page including a user interface for transmitting to the server. Or 1305b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) financial content integration fee payment request information including at least one of customer information and payment account information. And / or predetermined password and / or security card information (e.g., a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the financial content integration fee payment request information. Security card information printed on the printer) and / or one time password (OTP) (e.g., through an internet banking application process (or after an internet banking application) generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable to further include a user interface for entering a one-time password).

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times in accordance with the financial content integration fee payment request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial content integrated fee payment request information including at least one of the customer information and payment account information through the information registration interface (1315b).

If the terminal inputs (or selects) the financial content integration fee payment request information including the customer information and payment account information through the user interface (1320b), the terminal inputs the data through the financial transaction channel (or The selected financial content integrated fee payment request information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal checks the validity of the financial content integration fee payment request information in the server to the financial content integration fee payment request information including at least one of the customer information and payment account information. Preferably, at least one or more of a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator are transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or disclose financial content integration fee payment request information including at least one of the customer information and payment account information). The network means by encrypting with a key-based encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, etc.) and / or attaching a predetermined electronic signature to the financial content integration fee payment request information. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, And / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC That the card reader to verify the certificate provided in (or IC card) which is provided is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or disclose financial content integration fee payment request information including at least one of the customer information and payment account information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial content integrated fee payment request information, and attaches a predetermined electronic signature to the financial content integrated fee payment request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the financial content integration fee payment request information through the financial transaction channel to check the validity of the financial content integration fee payment request information (1330b).

According to an embodiment of the present invention, the financial content integration fee payment request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme to the encrypted financial content integration fee payment request information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received financial content integrated fee payment request information.

Alternatively, when a predetermined electronic signature is attached to the financial content integration fee payment request information, the server checks the electronic signature attached to the financial content integration fee payment request information, thereby receiving the received financial content integration fee payment request information. It is desirable to authenticate the validity of the.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted financial content integrated fee payment request information, and the electronic signature attached to the financial content integrated fee payment request information. Since you will be familiar with the technical features to confirm, a detailed description thereof will be omitted for convenience.

When the financial content integration fee payment request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the financial content integration fee payment request information, The server authenticates the validity of the received financial content integrated fee payment request information by comparing and authenticating the password included in the financial content integrated fee payment request information with the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the financial content integration fee payment request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial content integration fee payment request information, the server may include: The validity of the received financial content integrated fee payment request information is verified by comparing and authenticating the received security card information included in the financial content integrated fee payment request information with the security card information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

Alternatively, when the financial content integration fee payment request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the financial content integration fee payment request information, the server may be configured. Integrate the received financial content fee by comparing and authenticating the received OTP code included in the financial content integration fee payment request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate the validity of the payment request information.

According to an embodiment of the present invention, the validity check of the financial content integration fee payment request information is matched with the financial content integration fee payment request information to the ledger D / B 900 on the financial system linked to the financial content operation system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity checker 820 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) is linked to the financial content operation system among information included in the financial content integrated fee payment request information. It is preferably made to include matching with the customer ledger stored in the D / B (900).

In addition, the verification of the validity of the financial content integration fee payment request information, the payment account information among the information contained in the received financial content integration fee payment request information ledger D / B on the financial system linked to the financial content operation system It is preferable to include a check to match with the account ledger stored in the (900), the payment account information of the information contained in the received financial content integration fee payment request information on the financial system associated with the financial content operation system If it is confirmed that the match with the ledger D / B (900) stored in the ledger, it is preferable to further check the customer ledger associated with the account ledger, to further determine whether or not it is a financial account of the customer name.

If it is confirmed that the financial account is not in the name of the customer, it is possible to set the payment to be possible by obtaining the consent of the customer holding the financial account, and the present invention is not limited thereto.

If the validity of the financial content integration fee payment request information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits the webpage to the terminal (1340b), and integrates the financial content. The information registration procedure corresponding to the billing request information is not performed.

On the other hand, if the validity of the financial content integration fee payment request information is authenticated (1335b), the server includes predetermined document content including at least one or more customer information and payment account information including the financial content integration fee payment request information. In operation 1345b, a predetermined financial content integrated fee payment application electronic document including the document content is generated in operation 1350c.

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received financial content integration fee payment request information, and includes a document including the document content. The mobile content may include a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the financial contents integrated fee payment application electronic document for the integrated payment of the usage fee for the use of financial-related content (or VM).

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and includes the document content in the financial content integration fee payment request information. After including at least one or more information of the customer information, payment account information, etc. in a watermarking (12atermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI ( Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like for the use of financial-related content (or VM) among the mobile contents. It is preferable to process the electronic contents of the application for payment of the consolidated fee for financial contents for payment.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Processing the image file including the image content generated by capturing the document content on a memory into an electronic document for the payment of the electronic contents for the integrated payment of the financial contents for the consolidated payment of the use of the financial-related contents (or VM) among the mobile contents. It is desirable to.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Image content generated by capturing the document content on a memory) and including at least one of customer information and payment account information included in the financial content integration fee payment request information by a watermarking method, It is preferable to process the image file including the included image content to the financial content integration fee payment application electronic document for the consolidated payment for the use of the financial-related content (or VM) of the mobile content.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received financial content integration fee payment request information, and captures the document content ( A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content captured (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one of HWP / DOC, a web document file including MHT, etc.), and the finance for integrated payment of usage fees for the use of financial-related content (or VM) among the mobile contents. It is preferable to process the content integration fee payment application electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information and payment account information included in the financial content integration fee payment request information by a watermarking method. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or a web document file including MHT) Be treated as a financial content, content integration charges apply for electronic payment documents for consolidated billing charges for the use of (or VM) is preferred.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file) including captured image content (eg, image content generated by capturing the document content on a memory) and the financial content integration fee payment request information; or Use of financial-related content (or VM) of the mobile content by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to process the electronic contents for the application for payment of the consolidated fee for the financial contents for the consolidated payment for the usage fee.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received financial content integration fee payment request information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information and payment account information included in the financial content integration fee payment request information by a watermarking method. And a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking and the financial content integration fee payment request information. Create a word processor file containing at least one, or a web document file containing MHT) By preferably treated with a financial content integration charges apply for electronic payment documents for consolidated billing charges for the use of financial content (or VM) of the mobile content.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial content integration fee payment application electronic document in an image file format and / or a predetermined document file format, and the financial content integration fee. Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment request electronic document, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial content integration fee payment application electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes an electronic document D / B 865 and a predetermined electronic document server 845 linked with a server on the financial contents operation system through predetermined communication means. When provided in the, the server preferably transmits the generated financial content integration fee payment application electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865) Do.

Or, if the electronic document storage is provided on the DBMS provided in the financial content management system, the server is the electronic document on the DBMS provided in the financial content management system for the generated financial content integration fee payment application electronic document It is possible to store in the electronic document D / B 865 corresponding to the storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial content integrated fee payment application electronic document in the electronic document repository may be performed by linking the generated financial content integrated fee payment application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B 865 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial content integrated fee payment application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic contents payment application electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial content integrated fee payment request information), and / or the financial content integrated fee payment application electronic document. Financial institution information, and / or electronic document file format information, and / or the financial content integration fee payment request information, etc.).

If the financial content integrated fee payment request electronic document is stored in the electronic document storage (1360c), the server stores the predetermined information by linking the customer information and payment account information included in the financial content integrated fee payment request information. Stored in the medium 840 (1365c), predetermined information registration history information (e.g., the details of storing the financial content integration fee payment request electronic document in the electronic document storage, and / or the storage medium 840 Financial content integration fee payment request information stored information) is generated (or extracted) and transmitted to the terminal (1370c).

According to one embodiment of the invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the financial content management system (or associated with the financial content management system), wherein the Storage medium 840 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), whereby the present invention is limited Not.

According to another exemplary embodiment of the present invention, the storage medium 840 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial content operation system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

14 is a diagram showing a financial content operating system for payment of financial contents according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates that a predetermined customer uses financial contents through a virtual machine (VM) provided in the mobile phone 1430, or uses financial-related content among mobile contents that can be provided through the mobile phone 1430. In the system configuration for processing payment based on the payment account registered through the information registration server on the financial content operation system shown in Figure 1 or Figure 8 by integrating the usage fee generated in accordance with the use of the financial-related content to the financial-related VM For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the construction of a financial contents operation system for payment of financial contents fee may be inferred by referring to and / or modifying the drawing 14. The present invention includes all the implementation methods inferred from above, and only the implementation method shown in FIG. Shall not.

Hereinafter, at least one of using the financial-related content or VM through the mobile phone 1430 of the customer on the financial content operation system shown in FIG. 14 and paying the usage fee according to the use of the financial-related content or VM corresponding thereto. Components corresponding to the above means and / or functional configuration are referred to as "financial content operation server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, the financial content operation system for payment of financial content fees includes a mobile phone 1430 used by a customer and use of financial-related content through the mobile phone 1430. Financial content management server 1400 for integrating payment processing and a financial system 1425 in which a customer account is established for payment of a usage fee for using the financial-related content, and financial-related content in the mobile phone 1430 of the customer. It is characterized in that it comprises a communication company server 1420 for managing the usage charges generated in accordance with the use of financial-related content.

The financial system 1425, which processes the at least one financial transaction service through the customer account in connection with the financial content operation server 1400, is provided with at least one window provided in a branch (and / or branch) of the financial institution. Characterized in that the terminal is connected through a predetermined financial network (for example, the current network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

In addition, the financial system 1425 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 1425 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet. And / or provide a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, the wireless LAN / portable internet connection and browsing function, and / or the like.

In addition, the financial system 1425 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal connected to an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based mobile Internet, and / or a DataTAC / Mobitex-based wireless data communication network (eg, the mobile communication network is provided with a connection and browsing function). At least one finance through a Personal Communication System (PCS) and / or Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics) Provide non-face-to-face financial transaction services to trading customers.

In addition, the financial system 1425 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (eg, code division multiple access (CDMA)) through the IC chip-based wireless banking server. Equipped with at least one wireless terminal (e.g., a financial IC chip) connected to a mobile communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. The wireless terminal provides an IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system 1425 is connected to a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 1425 is associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to a home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 1425 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 14, the financial system 1425 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 1425 and at least one other financial system 1425 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) Access to 1425 and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and further comprising the financial system ( 1425 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 1425, and predetermined information required for performing respective functions in components in the financial system 1425. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 1425 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 1425 and the purpose of the financial system 1425. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 1425, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 1425 may be configured by the financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational (Relationship) is stored in association with the ledger information is stored in the customer account Including the response to a given account ledger is characterized in that formed.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristic of the financial system 1425. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer connects to the financial content management server 1400 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the user inputs (or selects) the usage fee payment request information for the payment of the financial content fee through at least one user interface provided by the financial content operation server 1400, the client terminal transmits the fee through the predetermined network means. It is preferable to transmit to the financial content management server 1400 provided on the financial content management 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 includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial content management server 1400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

The network means for connecting the client terminal and the financial content management server 1400 may be a CDMA based mobile communication network and / or an HSDPA based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the portable Internet and / or DataTAC / Mobitex-based wireless data communication network, and / or 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 financial content management server 1400, and inputs and / or selects at least one or more information through the user interface to the financial content management server 1400. 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 financial content operation server 1400, etc.) for transmitting to the network 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial content management system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the financial content management server 1400. The communication network and / or the wireless communication network perform a function of a financial transaction interface for the customer to register the usage fee payment request information for payment of the financial content fee.

The financial content operation server 1400 provided on the financial content operation system according to the present invention inquires / confirms the financial related contents or the VM usage history of the customer and integrates the usage fee for using the financial related contents or the VM. A generic term for the components of the financial content management system that make a payment through, and includes at least one server (or device) and / or at least one recorded on a recording medium provided in a predetermined server (or device) It can be implemented by the above program, by which the present invention is not limited.

The fee payment request information transmitted from the telecommunication company server 1420 for payment of the financial content fee to the financial content operation server 1400 includes at least one predetermined carrier information, customer information, and payment amount information. Characterized in that made.

According to the exemplary embodiment of the present invention, when the fee payment request information is received, it is preferable to check the customer account information held by the customer based on the customer information included in the received fee payment request information. Account information is preferably matched with the payment account information registered through the information registration server on the financial content management system shown in FIG.

The customer account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the customer account) CIF (Customer Information File) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., the person who opened and in charge of the customer account) Name, contact person code, etc.) may be further included.

The payment amount information is characterized in that it comprises a financial transaction amount settled from the customer account for payment of the financial content fee, the payment amount is characterized in that it does not exceed the balance deposited in the customer account. .

Referring to FIG. 14, when the financial content operation server 1400 transmits usage fee payment request information including at least one carrier information, customer information, and payment amount information from the carrier server 1420, the carrier information, An information receiving unit 1405 (or information receiving means) for receiving the usage fee payment request information including at least one of customer information and payment amount information, and the carrier information and customer included in the received fee payment request information; The financial contents on the basis of the validity check unit 1410 (or validity confirming means) for checking the validity of the information and the payment amount information, and the usage fee payment request information verified in association with the financial system 1425. Characterized in that it comprises a financial transaction processing unit 1415 (or financial transaction processing means) for processing a financial transaction for bill payment .

The information receiving unit 1405 is characterized in that for receiving the service charge payment request information including at least one carrier information, customer information, payment amount information transmitted from the carrier server 1420 through a network means, the reception The used fee payment request information is provided to the validity verification unit 1410.

The fee payment request information transmitted from the telecommunication company server 1420 for payment of the financial content fee to the financial content operation server 1400 includes at least one predetermined carrier information, customer information, and payment amount information. Characterized in that made.

According to the exemplary embodiment of the present invention, when the fee payment request information is received, it is preferable to check the customer account information held by the customer based on the customer information included in the received fee payment request information. Account information is preferably matched with the payment account information registered through the information registration server on the financial content management system shown in FIG.

The customer account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the customer account) CIF (Customer Information File) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., the person who opened and in charge of the customer account) Name, contact person code, etc.) may be further included.

The payment amount information is characterized in that it comprises a financial transaction amount settled from the customer account for payment of the financial content fee, the payment amount is characterized in that it does not exceed the balance deposited in the customer account. .

The validity confirming unit 1410 checks whether the usage fee payment request information received from the communication company server 1420 satisfies the validity for payment of financial content fee.

According to an embodiment of the present invention, the validity check of the fee payment request information may be performed on the financial account corresponding to the customer account information included in the fee payment request information in the ledger D / B on the financial system 1425. It is preferable to include whether the account ledger (or customer ledger corresponding to the customer account) is provided, and if the account ledger (or customer ledger corresponding to the customer account) is provided, the request for payment of the fee It is desirable that the validity of the information be authenticated.

In addition, the validity of the payment fee request information is the amount deposited in the customer account (for example, the account ledger provided in the ledger D / B on the financial system 1425 corresponding to the customer account) It is preferable that the check request information comprises more than the payment amount included in the payment request information, and if the customer account balance is greater than the payment amount, it is preferable that the validity of the use fee payment request information is authenticated.

When the validity of the fee payment request information is confirmed, the financial transaction processing unit 1415 is connected to a financial system 1425 provided with an account ledger corresponding to the customer account and includes a carrier included in the fee payment request information. The financial transaction for payment of the financial content fee is based on information, customer information, and payment amount information.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 1415 corresponds to the customer account information (that is, payment account information) confirmed based on the usage fee payment request information in connection with the financial system 1425. It is preferable to settle payment amount corresponding to the payment amount information from the account ledger.

In this case, it is preferable that the payment process is applied to the amount to which the differential discount rate is applied according to the payment method when the payment amount corresponding to the payment amount information.

In other words, when the payment means is a general financial account or an OA account, or when the charge is added to the mobile phone 1430, it is preferable that the payment processing is performed at a separate discount rate according to each communication means.

If the customer using the service through the financial VM associated with the new plan application customers or customers using the new service, when using the financial transaction service, discount the transaction fee generated by the use of the financial transaction service, and / Alternatively, it is possible to discount the communication fee on the carrier side.

In addition, when the settlement amount is collected and settled for a certain period of time during the settlement process, it is preferable to provide the settlement request amounts for the plurality of financial institutions to the respective financial institutions after the collective settlement rather than the settlement process.

15 is a diagram illustrating a process of processing payment of a financial content fee in a manner for payment of a financial content fee according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates a case in which the financial content management server 1400 on the financial content management system shown in FIG. 14 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. Use financial content through a VM (Virtual Machine) provided in the mobile phone 1430, or use financial-related content among mobile content available through the mobile phone 1430, and use the financial-related content or the financial-related VM. In the process of payment based on the payment account registered through the information registration server on the financial content management system shown in Figure 1 or Figure 8 by integrating the usage fee generated in accordance with the present invention, For those of ordinary skill in the art, referring to and / or modifying the drawing 14 for payment of financial content fees Various implementation methods for the process 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.

Referring to FIG. 15, the telecommunication company server 1420 illustrated in FIG. 14 accesses the financial content operation server 1400 through a predetermined network means and requests a financial transaction for payment of the financial content usage fee (1500). In response thereto, the financial content operation server 1400 receives from the telecommunication company server 1420, payment fee request information including at least one carrier information, customer information, and payment amount information for payment of the financial content fee. After connecting the communication channel (1505), the financial content management server 1400 receives the usage fee payment request information from the communication company server 1420 through the communication channel (1510).

The fee payment request information transmitted from the telecommunication company server 1420 for payment of the financial content fee to the financial content operation server 1400 includes at least one predetermined carrier information, customer information, and payment amount information. Characterized in that made.

According to the exemplary embodiment of the present invention, when the fee payment request information is received, it is preferable to check the customer account information held by the customer based on the customer information included in the received fee payment request information. The account information is preferably matched with the payment account information registered through the information registration server on the financial content management system shown in FIG.

The customer account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person corresponding to the customer information (for example, the name of the account holder, or the customer account) CIF (Customer Information File) number of the customer, financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), contact information (e.g., the person who opened and in charge of the customer account) Name, contact person code, etc.) may be further included.

The payment amount information is characterized in that it comprises a financial transaction amount settled from the customer account for payment of the financial content fee, the payment amount is characterized in that it does not exceed the balance deposited in the customer account. .

Thereafter, the financial content operation server 1400 checks the validity of the fee payment request information received from the telecommunication company server 1420 (1515).

According to an embodiment of the present invention, the validity check of the fee payment request information may be performed on the financial account corresponding to the customer account information included in the fee payment request information in the ledger D / B on the financial system 1425. It is preferable to include whether the account ledger (or customer ledger corresponding to the customer account) is provided, and if the account ledger (or customer ledger corresponding to the customer account) is provided, the request for payment of the fee It is desirable that the validity of the information be authenticated.

In addition, the validity of the payment fee request information is used for the amount deposited in the customer account (for example, the account ledger provided in the ledger D / B on the financial system 1425 corresponding to the customer account). It is preferable to include whether the amount is greater than the payment amount included in the billing request information, and if the customer account balance is greater than the payment amount, it is preferable that the validity of the billing request information is authenticated.

If the validity of the received fee payment request information is not confirmed (1520), the financial content operation server 1400 generates (or extracts) validation error information about the received fee payment request information. In operation 1525, the communication server transmits the message to the communication company server 1420.

On the other hand, if the validity of the received fee payment request information is confirmed (1520), the financial content management server 1400 is equipped with a bank account ledger corresponding to the confirmed customer account based on the received customer information In operation 1530, the financial transaction for payment of the financial content fee is processed based on the carrier information, the customer information, and the payment amount information included in the fee payment request information in connection with the system 1425.

According to the exemplary embodiment of the present invention, the financial content operation server 1400 corresponds to the customer account information (ie, payment account information) confirmed based on the fee payment request information in connection with the financial system 1425. It is preferable to settle payment amount corresponding to the payment amount information from the account ledger.

In this case, it is preferable that the payment process is applied to the amount to which the differential discount rate is applied according to the payment method when the payment amount corresponding to the payment amount information.

In other words, when the payment means is a general financial account or an OA account, or when the charge is added to the mobile phone 1430, it is preferable that the payment processing is performed at a separate discount rate according to each communication means.

If the customer using the service through the financial VM associated with the new plan application customers or customers using the new service, when using the financial transaction service, discount the transaction fee generated by the use of the financial transaction service, and / Alternatively, it is possible to discount the communication fee on the carrier side.

In addition, when the settlement amount is collected and settled for a certain period of time during the settlement process, it is preferable to provide the settlement request amounts for the plurality of financial institutions to the respective financial institutions after the collective settlement rather than the settlement process.

According to the present invention, there are many mobile contents provided through a mobile phone, which are integrated and provided through a financial VM (Virtual Machine), and the charges for financial-related contents used through the financial VM are not finance companies. Payment processing through the institution, enabling the activation of financial-related content through a discount on the usage fee for the use of financial-related content through a mobile phone.

Claims (5)

In the method of payment processing for the use of financial-related content provided by one or more financial institutions of the mobile content through a financial VM (Virtual Machine) installed in the customer's mobile phone, Storing and registering, by the information registration server, the integrated fee payment request information for the use of the financial-related content including the customer information and payment account information regarding the real financial account or online account (OA) held by the customer; ; Receiving, by the financial content operation server, a usage fee payment request information for the use of financial-related content through a financial VM from a telecommunication company server, and matching the usage fee payment request information with the payment account information to verify validity; Check the payment means for the payment amount corresponding to the received fee payment request information, and the actual payment to apply the differential discount rate for each payment method according to the case that is processed by the payment account or charged in addition to the mobile phone charges Calculating an amount; And And processing the calculated actual payment amount to be integrated through the payment means. The method of claim 1, The payment amount of the customer integrated payment is the step of checking the one or more financial institutions that provided the financial-related content provided to the financial institution to settle the processing; characterized in that it comprises a financial related content payment fee payment processing method comprising the . The method of claim 1, The online account (OA) is established according to the customer's choice when the customer applies for a payment service for the use of financial-related content through the financial VM, and the financial-related content use fee used by the customer is established. Payment method for using a financial-related content, characterized in that the payment is made through an account (OA). A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the system for payment processing for the use of financial-related content provided by one or more financial institutions of the mobile content through a financial VM (Virtual Machine) installed in the customer's mobile phone, An information registration server for storing and registering integrated fee payment request information for the use of the financial-related content including the customer information and payment account information about an actual financial account or an online account (OA) held by the customer; Means for receiving payment fee request information for the use of financial-related content through a finance VM from a communication company server, and confirming validity by matching the fee payment request information with the payment account information; Check the payment means for the payment amount corresponding to the received fee payment request information, and the actual payment to apply the differential discount rate for each payment method according to the case that is processed by the payment account or charged in addition to the mobile phone charges Means for calculating an amount; And And means for processing the calculated actual payment amount to be integrated payment through the payment means.

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