KR20090081757A - System and Method for Settling Cash Settlement Fund for Driving by Proxy and Recording Medium - Google Patents

Abstract

A temporary driving cash payment settlement method, a system, and a recording medium therefor are provided to solve a temporary driving service settlement-related problem of a temporary driving service usage customer who gives cash, and to remove a need for the customer to directly pay for a temporary driving service charge. A temporary driver name virtual account opening server(100) comprises an interface unit(105) which provides a predetermined virtual account opening interface to a window terminal through a financial network. If the window terminal is connected to the financial network, the interface unit connects a predetermined communication channel with the window terminal based on a protocol stack defined in the financial network, and provides a communication interface for transceiving at least more than one piece of information by using a communication protocol defined in a temporary driver name virtual account opening program equipped in the window terminal.

Description

System and Method for Settling Cash Settlement Fund for Driving by Proxy and Recording Medium}

1 is a diagram illustrating a system for establishing a virtual account of a surrogate driver's name for a surrogate operation payment settlement process according to an embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger for surrogate operation payment settlement processing according to an embodiment of the present invention.

3 is a diagram illustrating a process of opening a virtual account of a surrogate driver's name for a surrogate operation settlement settlement process according to an embodiment of the present invention.

4 is a diagram illustrating a system for establishing a virtual account of a surrogate driver's name for a surrogate operation payment settlement process according to another embodiment of the present invention.

5 is a view showing the configuration of a virtual account ledger for surrogate operation payment settlement processing according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating a virtual account opening process of a surrogate driver's name for a surrogate operation settlement settlement process according to another embodiment of the present invention.

7 is a diagram illustrating a card issuing system for surrogate operation payment settlement processing according to an embodiment of the present invention.

8 is a diagram illustrating a card issuing process for the surrogate operation price settlement processing according to an embodiment of the present invention.

9 is a diagram illustrating a card issuing process for the surrogate operation payment settlement processing according to another embodiment of the present invention.

10 is a diagram illustrating a surrogate operation payment settlement system for surrogate operation payment settlement processing according to the embodiment of the present invention.

11 is a diagram illustrating an operation process of a surrogate operation payment settlement processing system for surrogate operation payment settlement processing according to an embodiment of the present invention.

12 is a diagram illustrating an operation process of a surrogate operation price settlement processing system for surrogate operation price settlement processing according to another embodiment of the present invention.

<Description of main parts of drawing>

100: virtual account opening server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

The present invention establishes a virtual account in the name of the surrogate driver's name having a real account in the name of the surrogate driver's company, or links the real account in the surrogate driver's name with the real account in the surrogate driver's name, Processing to deposit a surrogate operation payment settlement deposit in a virtual account (or real account) in the name; issuing a surrogate operation payment settlement card associated with a virtual account (or real account) in the name of the surrogate driver; Receiving the surrogate operation payment settlement card information and the surrogate operation payment information from the card terminal when the cash settlement of the surrogate operation payment, and the virtual account (or real account) in the name of the surrogate operation driver associated with the surrogate operation payment settlement card Withdrawal of the surrogate operation company settlement of the surrogate operation price from the surrogate operation price settlement deposit deposited in the surrogate operation up Deputy operation comprises the transfer process to the actual account name relates to the cash settlement payment method.

Due to the development of modern society, various people have social activities and thus have various drinks.

However, people who have a drinking party use a surrogate driver through a surrogate driver company due to the risk of drunk driving, and use a card terminal or a cash terminal whose surrogate driver has the surrogate driver's charges for using such a surrogate driver. It is paid by way of providing.

In such a situation, the settlement of the surrogate operation payment should be made between the surrogate driver and the surrogate operation company, but there is a difficult problem that such settlement process is not easy.

An object of the present invention for solving the above problems is, with a real account in the name of the surrogate operation company as a parent account, or a real account in the name of the surrogate driver's name associated with the real account of the surrogate driver's name or the surrogate driver's name; A card issuing means for issuing an associated surrogate operation payment settlement card, an information receiving means for receiving the surrogate operation payment settlement card information and the surrogate operation payment information from a card terminal when cashing the surrogate operation payment, and the surrogate operation payment settlement; Withdrawal of the surrogate operation company settlement of the surrogate operation payment from the surrogate operation payment settlement deposit deposited in the virtual account (or real account) of the surrogate driver's name associated with the card and transfers the transfer to the real account of the surrogate operation company name It is to provide a surrogate operation cash payment settlement system equipped with information processing means.

According to the present invention, a method for calculating a proxy driving cash settlement is to open a virtual account in the name of a substitute driver who has a real account in the name of a proxy driving company, or a real account in the name of a proxy driving company and a name of a substitute driver's name. Linking the account, and processing the deposit of the surrogate operation payment settlement amount in the virtual account (or the real account) in the name of the substitute driver; and the surrogate associated with the virtual account (or the real account) in the name of the proxy driver Issuing a driving payment settlement card; receiving cash substitute payment card information and proxy driving payment information from a card terminal at the time of cash settlement of the proxy driving payment; and the proxy driving associated with the proxy driving payment settlement card; Representative of the surrogate operation payment in the surrogate operation payment settlement deposit deposited in the virtual account (or real account) in the name of the driver Characterized by comprising the step of processing the dispensing areas jeongsangeum transferred to the room account of the surrogate operation company name.

In accordance with another aspect of the present invention, a method for calculating a surrogate operation cash settlement, receiving wireless terminal information (or cash receipt card information) of a customer who has settled the surrogate operation for cash from the card terminal, and registers a business of the surrogate operation company. Verifying the business registration information of the information or the surrogate driver, and when confirming only the business registration information of the surrogate driving company, the surrogate for the surrogate driving company through the wireless terminal information (or cash receipt card information); When processing the cash receipt issuance of the driving price, and confirming the business registration information of the surrogate operation company and the operator registration information of the surrogate driver, the surrogate operation company of the surrogate operation fee through the wireless terminal information (or cash receipt card information) Receiving the cash receipt for the settlement amount and the deputy driving company deduction of the surrogate operation company settlement amount from the surrogate operation price Characterized in that it comprises the step of processing the cash receipt issuance for the former article settlement.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described proxy operation cash settlement method described above.

On the other hand, the surrogate operation cash settlement price settlement system according to the present invention, using the real account of the name of the surrogate operation company as a parent account of the surrogate driver's name, or the surrogate driver's name associated with the real account of the surrogate operation company name A card issuing means for issuing a surrogate operation payment settlement card associated with a real account, an information receiving means for receiving the surrogate operation payment settlement card information and surrogate operation payment information from a card terminal at the time of cash settlement of the surrogate operation payment; Withdraw the surrogate operation company settlement of the surrogate operation payment from the surrogate operation payment settlement deposit deposited in the virtual account (or the real account) of the surrogate driver's name associated with the operation payment settlement card and transfer to the real account of the surrogate operation company name Characterized in that it comprises an information processing means for transferring processing.

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 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 intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments 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's just

1 is a diagram illustrating a system for establishing a virtual account of a surrogate driver's name for a surrogate operation payment settlement process according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined surrogate operation company requests a virtual account name for the surrogate operation driver for the surrogate operation payment settlement processing through the face-to-face virtual account establishment interface, the surrogate driver's name virtual account according to the present invention As a system configuration for opening a virtual account of the name of the surrogate driver with a real account opened under the name of a predetermined surrogate driving company in the establishment system, specifically, the surrogate driving company opens a virtual account of the surrogate driver's name. When a visit to a financial institution window completes a predetermined virtual account opening application form and submits it to a teller employee, the teller staff provides predetermined virtual account opening application information corresponding to the virtual account opening application form through a predetermined teller terminal. In the virtual account opening system of the surrogate driver's name according to the present invention, The account opening application information to the substitute driver will be conducted on how to establish an alternate driver fictitious account for the payment settlement process surrogate operation.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for the configuration of a surrogate driver's virtual account opening system for surrogate operation settlement. 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.

Hereinafter, based on the virtual account opening application information provided from the proxy driving company through a predetermined virtual account opening interface on the virtual account opening system of the proxy driver name shown in FIG. The components corresponding to at least one or more means and / or functional configurations for establishing a virtual account in the name of the substitute driver's driver in the name of the corresponding driver's driver are referred to as "virtual account opening server 100 for the name of the driver's driver" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for establishing a virtual account for a surrogate driver's account settlement process for a surrogate operation payment settlement process includes a teller terminal used by a teller provided with at least one financial institution. The counter terminal is connected to the communication channel and the virtual account opening server 100 of the surrogate driver's name provided on the surrogate driver's name virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the proxy driving company visits the financial institution for settlement processing of the surrogate operation and pays the surrogate operation through the window provided to the financial institution (or through the clerk). Prepare a prescribed application for opening a virtual account for processing (e.g., a document with a form for filling in at least one item of information for the processing of surrogate payment) and / or the counter staff visits the surrogate operation The proxy driving company to prepare a predetermined virtual account opening application for the surrogate operation payment settlement processing), and submits the created virtual account opening application to the window staff, and the window staff receives the window through the predetermined window terminal. Enter (or select) the information entered in the virtual account opening application, and the counter terminal It is preferable to transmit the selected information to the virtual account opening server 100 of the proxy driver name provided on the virtual account opening system of the proxy driver's name through the financial network.

Here, the teller terminal preferably comprises a terminal used by the teller staff provided in the financial institution, the virtual account opening server 100 connected to the teller terminal is a virtual account of the surrogate driver's name It is preferable that the ledger server provided on the financial system is established, the financial network connecting the teller terminal and the virtual account opening server 100 of the name of the surrogate driver is a virtual of the teller terminal and the surrogate driver's name It is preferable to include a current network for connecting the communication channel between the account opening server (100).

In the virtual account opening system of the proxy driver name as described above, the virtual account opening application to be created by the proxy driver company, the teller terminal used by the teller and the teller terminal and the virtual account opening server name (100) The financial network linking) performs a function of a virtual account opening interface for the proxy driving company to register the virtual account opening application information for the proxy driving payment settlement process.

The financial institution that opens a virtual account of the name of the proxy driver for the proxy driving charge settlement processing to the predetermined proxy driver at the request of the proxy driving company, at least one financial transaction (for example, credit) , Receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal, wherein the financial transaction service is a financial transaction service for settlement processing of the proxy operation through opening and operating a virtual account of the proxy driver's name. It is preferable to comprise a.

The financial system may also 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 affiliated with the financial institution. At least one financial terminal provided in at least one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD common network) Characterized in that through the financial terminal, provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, the financial transaction service through the opening and operation of a virtual account of the agent name It is preferable to include a financial transaction service for the surrogate operation settlement processing.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with access and browsing functions, and the financial transaction service opens and operates a virtual account of the proxy driver's name. It is desirable to be made through the financial transaction service for the surrogate operation settlement processing through The.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service is a financial transaction for settlement processing of the surrogate operation through opening and operating a virtual account of the surrogate driver's name. It is made room for including service are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and the financial transaction service includes a financial transaction service for settlement processing of the surrogate operation through opening and operating a virtual account of the surrogate driver's name. It is preferable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone, etc.) to provide at least one financial transaction service to a non-face-to-face financial transaction customer, wherein the financial transaction service is settled for the surrogate operation through opening and operating a virtual account of the surrogate driver's name. It is desirable to include financial transaction services for the

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service provides a financial transaction service for settlement processing of the proxy operation through opening and operating a virtual account of the proxy driver's name. It is preferable to include.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service processes the proxy operation payment through the establishment and operation of a virtual account of the proxy driver. It is desirable to include financial transaction services.

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (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, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is a component of the financial system. An interface module corresponding to a middleware platform providing inter-interfaces, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a 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 is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 200 on a financial system that stores at least one ledger, wherein the ledger D / B 200 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and corresponding and / or supplementing each ledger information (e.g., attributes / functions of each ledger) At least one ledger additional information is stored in association with the relationship (Relationship) .

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 200 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

The virtual account opening server 100 provided on the proxy driver's name virtual account opening system according to the present invention is a virtual account opening system of the proxy driver's name connected to the teller terminal through a predetermined financial network Generic terms of the side components may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium included in a predetermined server (or device), The present invention is not limited by this.

According to an embodiment of the present invention, the virtual account opening server 100 of the proxy driver's name is provided with an interface unit 105 that provides a predetermined virtual account opening interface to the window terminal through the financial network. It is done.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 105 communicates with the teller terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using the communication protocol defined in the virtual account opening program of the name of the surrogate driver engineer provided in the window terminal.

Referring to FIG. 1, the virtual account opening server 100 of the proxy driver's name is connected to the virtual account opening server 100 of the proxy driver's name through the interface unit 105. The interface providing unit 110 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the counter terminal in cooperation with the unit 105 to provide the counter terminal 110. ), An information receiving unit 115 for receiving a predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with the interface unit 105, and the received virtual. Based on the account opening application information, the information for generating predetermined virtual account ledger information corresponding to the virtual account of the name of the surrogate driver to be opened to the customer. The beam generating unit 120 and the ledger D / B 200 on the financial system in association with the account ledger of the financial account corresponding to the real account of the proxy driving company name linked to the virtual account of the proxy driver name And an information storage unit 125 for storing the generated virtual account ledger information.

The interface providing unit 110 when the predetermined window terminal is connected to the virtual account opening server 100 of the proxy driver name through the interface unit 105, the virtual corresponding to the functional configuration provided in the window terminal Create a predetermined user interface capable of inputting (or selecting) account opening application information and transmitting it to the virtual account opening server 100 of the proxy driver's name through the financial network, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the counter terminal through the financial network.

Thereafter, the teller terminal inputs (or selects) the virtual account opening application information based on the user interface, and the input (or selects) the virtual account opening application information through the financial network. Transfer to the account opening server 100.

According to an exemplary embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 110 may provide a virtual account opening program of a surrogate driver's name provided in the teller terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined application information for opening a virtual account through the user interface at the window terminal and transmits it through the financial network, the information receiving unit 115 interworks with the interface unit 105 to provide the virtual account. Characterized in that to receive the establishment request information, and provides the received virtual account establishment application information to the information generating unit 120.

According to the implementation method of the present invention, the virtual account establishment application information and the surrogate operation driver information requesting the surrogate driver's name to open a virtual account for the surrogate operation charge settlement processing for the surrogate operation driver, and the surrogate driver information and At least one real account information of the name of the surrogate operation company corresponding to the parent account associated with the virtual account is preferably made.

Here, the information on the surrogate operation company requesting the surrogate operation driver to open a virtual account name for the surrogate operation charge settlement processing for the surrogate operation charge settlement, the company information of the surrogate operation company (for example, the company name of the surrogate operation company, business registration Number, address, telephone number, e-mail, etc., and the member information of the surrogate driving company (for example, the surrogate driving company is registered as a financial transaction customer of the financial institution by the virtual account opening system in response to the surrogate driving company) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with.

In addition, the proxy driver information is personal information (for example, the name of the surrogate driver, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information (for example, the surrogate driver) of the surrogate driver. Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the virtual account opening system in response to the proxy driver by the customer joining as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the real account information of the name of the surrogate operation company associated with the virtual account, the name of the surrogate operation company corresponding to the virtual account linked to the virtual account of the surrogate driver name of the surrogate driver's name at the request of the surrogate driver's company The information corresponding to the real account, which includes at least one or more account number and account holder information, etc. for the real account of the name of the agent operating company already established in the ledger D / B (200) on the financial system desirable.

According to the embodiment of the present invention, the information receiver 115 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the validity of the virtual account opening is confirmed that a financial account corresponding to the real account information of the name of the proxy driving company included in the virtual account opening application information is opened as a real account in the ledger D / B (200) on the financial system It is preferable to include checking whether there is.

The information generation unit 120 is a predetermined virtual account ledger to be provided in the virtual account of the surrogate driver's name opened in the surrogate driver's name based on the virtual account establishment application information received through the information receiving unit 115. And generating information, wherein the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 200 provided on the financial system. It is preferable that the virtual account comprises at least one ledger information which should be provided for processing at least one or more financial transactions requested by the proxy driver.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to process at least one or more financial transactions requested by the proxy driver). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the virtual account of the proxy driver's name is generated by the information generation unit 120, the information storage unit 125 is stored in the ledger D / B 200 provided on the financial system. And generating a predetermined virtual account ledger associated with an account ledger corresponding to a real account in the name of the surrogate operation company, and storing the generated virtual account ledger information in the virtual account ledger.

2 is a view showing the configuration of a virtual account ledger for surrogate operation payment settlement processing according to an embodiment of the present invention.

In more detail, Figure 2 is a seal of the name of the surrogate operation company provided in the ledger D / B (200) on the financial system for the surrogate operation settlement settlement process in the virtual account opening system of the surrogate operation driver name shown in Figure 1 As for the virtual account ledger to be processed in connection with the account ledger corresponding to the account, those of ordinary skill in the art to which the present invention pertains, refer to and / or modified this figure 2 Various implementation methods for the virtual account ledger configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, the virtual account ledger corresponding to the virtual account of the surrogate driver's name opened in the surrogate driver's name for the surrogate operation of the surrogate operation, the account ledger corresponding to the real account of the surrogate operation company name; It is characterized in that the cooperative process is provided in the ledger D / B (200) on the financial system, the account ledger corresponding to the real account in the name of the proxy driving company is linked to the predetermined customer ledger corresponding to the proxy driving company It is characterized by.

In this drawing 2 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the proxy driving company, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, and a customer address. , Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Type of business, legal representative, first trade date, TRW, DB, usage, parent company number. Country name, transmission, gender 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. It is preferable.

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 corresponding to the real account in the name of the proxy driving company in this Figure 2 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes account ledger information, which includes at least one of the system account, whether the consolidation is linked, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one number of shares, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the virtual account ledger is processed in a relational manner with an account ledger corresponding to a real account of the proxy driving company name, and the virtual account ledger information is associated with the mother account information associated with the virtual account. At least one to be included in the account ledger provided in the ledger D / B 200 provided on the financial system (or the virtual account to be equipped to process at least one or more financial transactions requested by the proxy driver). It is preferable that the above ledger information is included.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, 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, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation, wherein the virtual account deposit is the agent As the amount corresponding to the virtual account balance of the driver's name, the actual balance of the virtual account of the proxy driver's name is the proxy driving It is preferable that the body had been deposited into the account of the chamber.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

3 is a diagram illustrating a process of opening a virtual account of a surrogate driver's name for a surrogate operation settlement process according to an embodiment of the present invention.

In more detail, in FIG. 3, in the virtual account opening system of the surrogate driver's name shown in FIG. 1, a predetermined customer makes the proxy through a predetermined virtual account opening interface (for example, a virtual account opening application form, a counter terminal, and a financial network). When the predetermined virtual account opening application information is transmitted to the virtual account opening server 100 of the proxy driver's name to the virtual account opening server 100 of the driver's name, the virtual account opening server 100 of the proxy driver's name is transferred to the virtual account opening server 100. Regarding the process of opening a virtual account of a predetermined driver's driver name based on the application information for opening, a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the drawing 3 and the proxy operation fee Various implementation methods of opening a virtual account of the surrogate driver's name may be inferred for the settlement process. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the window terminal shown in FIG.

Referring to FIG. 3, a surrogate operation company that wants to open a virtual account of the surrogate driver's name to the surrogate driver's account for the surrogate operation settlement process, prepares a predetermined virtual account opening application form, and fills out the prepared virtual account opening application form. When submitted, the terminal provides the virtual account establishment application information included in the virtual account establishment application to the server through the virtual account establishment interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

According to the implementation method of the present invention, the virtual account establishment application information and the surrogate operation driver information requesting the surrogate driver's name to open a virtual account for the surrogate operation charge settlement processing for the surrogate operation driver, and the surrogate driver information and At least one real account information of the name of the surrogate operation company corresponding to the parent account associated with the virtual account is preferably made.

Here, the information on the surrogate operation company requesting the surrogate operation driver to open a virtual account name for the surrogate operation charge settlement processing for the surrogate operation charge settlement, the company information of the surrogate operation company (for example, the company name of the surrogate operation company, business registration Number, address, telephone number, e-mail, etc., and the member information of the surrogate driving company (for example, the surrogate driving company is registered as a financial transaction customer of the financial institution by the virtual account opening system in response to the surrogate driving company) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with.

In addition, the proxy driver information is personal information (for example, the name of the surrogate driver, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information (for example, the surrogate driver) of the surrogate driver. Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the virtual account opening system in response to the proxy driver by the customer joining as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the real account information of the name of the surrogate operation company associated with the virtual account, the name of the surrogate operation company corresponding to the virtual account linked to the virtual account of the surrogate driver name of the surrogate driver's name at the request of the surrogate driver's company The information corresponding to the real account, preferably comprising at least one or more account number and account holder information for the real account of the name of the agent operating company already established in the ledger D / B (200) on the financial system Do.

If predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to determine whether to open a virtual account of the proxy driver's name to the substitute driver. Validation is checked (305).

Here, the validity of the virtual account opening is confirmed that a financial account corresponding to the real account information of the name of the proxy driving company included in the virtual account opening application information is opened as a real account in the ledger D / B (200) on the financial system It is preferable to include checking whether there is.

If the validity of opening the virtual account name of the proxy driver is not authenticated to the customer through the virtual account opening application information (310), the server transmits the name of the proxy driver name to the customer through the virtual account opening interface. The virtual account opening error information is provided (315), and the customer stops opening the virtual account of the proxy driver's name.

On the other hand, if the validity to open the virtual account name of the proxy driver article to the customer through the virtual account opening application information is authenticated (310), the server to open to the proxy driver based on the virtual account opening application information. The virtual account ledger information of the proxy driver's name corresponding to the virtual account of the proxy driver's name is generated (320).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B (200) provided on the financial system (or the virtual account is the proxy driver) And at least one ledger information to be provided for processing at least one or more financial transactions requested.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to process at least one or more financial transactions requested by the proxy driver). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

Thereafter, the server is a real account of the name of the surrogate operation company to be associated with the virtual account of the surrogate driver's name to be opened to the surrogate driver of the at least one account ledger provided on the ledger D / B (200) on the financial system Check the account ledger corresponding to (325).

If the account ledger corresponding to the real account of the name of the surrogate operation company to be associated with the virtual account of the surrogate driver's name to be opened to the surrogate driver's driver is identified (330), the server ledger D / B (200) on the financial system The virtual account ledger of the name of the proxy driver is processed in association with the account ledger corresponding to the real account of the name of the proxy driving company provided in the (335), and the ledger D / B (200) on the financial system The generated virtual account ledger information is stored in the virtual account ledger generated in association with the account ledger corresponding to the real account of the proxy driving company name (340).

Subsequently, the proxy driver is preferably used as a deposit for the surrogate operation price by depositing the amount (or the amount according to the autonomy of the surrogate driver) determined by the surrogate operation company in the virtual account of the name of the surrogate driver.

4 is a diagram illustrating a system for establishing a virtual account of a surrogate driver's name for a surrogate operation payment settlement process according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates that a predetermined surrogate operation company requests to open a virtual account of a surrogate driver's name for surrogate operation payment settlement through a virtual account establishment interface including at least one non-face-to-face financial transaction channel. In the virtual account opening system of the surrogate driver's name according to the system configuration for opening a virtual account of the surrogate driver's name having a real account opened in the name of a predetermined surrogate operation company as a parent account, specifically, In the virtual account opening system of the surrogate driver's name according to the present invention, if the predetermined virtual account opening application information is provided using the virtual account opening interface according to the present invention through a predetermined proxy driving company terminal corresponding to the face-to-face financial transaction channel, The proxy driver based on the virtual account opening application information Significance will be conducted on how to establish an alternate driver fictitious account for the payment settlement process surrogate operation.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 4 to infer various implementation methods for the construction of a surrogate driver's name virtual account opening system for the surrogate operation settlement process. 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.

Hereinafter, based on the virtual account opening application information provided from the proxy driving company through a predetermined virtual account opening interface on the virtual account opening system of the proxy driver name shown in FIG. A component corresponding to at least one or more means and / or functional configurations of opening a predetermined surrogate driver's name virtual account to the corresponding surrogate driver is referred to as "virtual account opening server 400 for surrogate driver's name" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the virtual account opening system of the proxy driver's name for the surrogate operation payment settlement process is the virtual account opening system of the proxy driver's name. In the case of supporting the virtual account opening, a proxy driver including a proxy driving company that inputs (or selects) predetermined virtual account opening application information and transmits it to the virtual account opening server 400 of the proxy driver's name. The surrogate driver company terminal is connected to the communication channel and the virtual account opening server 400 of the surrogate driver's name provided on the surrogate driver's name virtual account opening system through a predetermined network means.

According to an exemplary embodiment of the present invention, when the surrogate driver's name virtual account opening system supports the establishment of a non-face-to-face surrogate driver's name virtual account, the surrogate operator is a wired terminal connected to a predetermined wired network and / Or at least one client terminal connected to the virtual account opening server 400 through the at least one client terminal of a wireless terminal connected to a predetermined wireless communication network, and provided by the virtual account opening server 400 of the proxy driver's name. When the user inputs (or selects) the virtual account opening request information for the proxy driving price settlement processing through the above user interface, the client terminal is provided on the virtual account opening system of the proxy driver's name through a predetermined network means. Transferring to the driver's name virtual account opening server 400 It is preferred.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and 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.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

The client terminal may output at least one user interface provided by the virtual account opening server 400 of the proxy driver's name, and input and / or select at least one information through the user interface to the proxy driver. Functional configuration for transmitting to the virtual account opening server 400 (e.g., a browser program and a communication function, or a predetermined communication program and communication function for communicating with the virtual account opening server 400 of the proxy driver's name) is provided. It is preferable that it is done.

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 virtual account opening system of the proxy driver name as described above, the client terminal including at least one or more wired terminal and / or wireless terminal used by the proxy driving company, the virtual terminal establishment server of the client terminal and the proxy driver name At least one wired network and / or wireless network connecting 400 performs a function of a virtual account opening interface for the proxy driving company to register virtual account opening application information for the proxy driving payment settlement process.

According to another exemplary embodiment of the present invention, when the virtual account opening system of the proxy driver's name supports opening a virtual account of the proxy driver's name in a non-face-to-face manner, the proxy driver's terminal may be provided with a predetermined financial amount in addition to the client terminal. And further comprising an automated teller machine (not shown) including a cash automatic teller machine (ATM), a cash dispenser (CD) connected to a network (eg, a financial common network), and / or It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN), a voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network. At least one or more institutions which are connected to a wireless telephone network such as a predetermined communication terminal (not shown), and / or affiliated with the financial institution Having the terminal (and / or the server) (not shown) may further comprise, and to which the present invention is not limited.

In the case of supporting the opening of a virtual account of a non-face-to-face surrogate driver's name as described above, when the surrogate driver's terminal is the financial automation device (not shown), the financial automation device (not shown) and the financial automation The financial network connecting the device (not shown) with the virtual account opening server 400 of the proxy driver's name is a virtual account opening interface for the proxy driving company to register virtual account opening application information for the proxy driving payment settlement process. And / or when the agent operating company terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the proxy driver's name server opening server A wired telephone network and / or a wireless telephone network connecting 400 may be configured to open a virtual account for the surrogate operation payment settlement by the surrogate operation company. The terminal performs a function of a virtual account opening interface for registering information, and / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the proxy driving company terminal (not shown). (And / or the server) (not shown) and the network connecting the terminal (and / or server) (not shown) and the virtual account opening server 400 of the proxy driver's name is the proxy driving company It performs the function of the virtual account opening interface for registering virtual account opening application information for settlement processing.

The financial institution that opens a virtual account of the name of the proxy driver for the proxy driving charge settlement processing to the predetermined proxy driver at the request of the proxy driving company, at least one financial transaction (for example, credit) , Receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal, wherein the financial transaction service is a financial transaction service for settlement processing of the proxy operation through opening and operating a virtual account of the proxy driver's name. It is preferable to comprise a.

The financial system may also 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 at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is configured to open and operate a virtual account of the proxy driver's name. It is desirable to include a financial transaction service for settlement processing of proxy operation.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a Personal Computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with an internet connection and a browsing function, and the financial transaction service may be used to open a virtual account and It is preferable that the financial transaction service for settlement processing of the surrogate operation is made through operation. Do.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service is a financial transaction for settlement processing of the surrogate operation through opening and operating a virtual account of the surrogate driver's name. It is made room for including service are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and the financial transaction service is achieved by including a financial transaction service for the surrogate operation payment settlement through opening and operating a virtual account of the surrogate driver's name. desirable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone, etc.) to provide at least one financial transaction service to a non-face-to-face financial transaction customer, wherein the financial transaction service is settled for the surrogate operation through opening and operating a virtual account of the surrogate driver's name. It is desirable to include financial transaction services for the

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service provides a financial transaction service for settlement processing of the proxy operation through opening and operating a virtual account of the proxy driver's name. It is preferable to include.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service processes the proxy operation payment through the establishment and operation of a virtual account of the proxy driver. It is desirable to include financial transaction services.

Referring to FIG. 4, the financial system is a computerized system provided to 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. In addition, the accounting system for processing counter services such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), the information system for processing the headquarters business, the branch information support and customer information management, and Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 500 on a financial system that stores at least one ledger, wherein the ledger D / B 500 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and corresponding and / or supplementing each ledger information (e.g., attributes / functions of each ledger) At least one ledger additional information is stored in association with the relationship (Relationship) .

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 500 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that the process is linked to and stored as, the detailed description thereof will be omitted for convenience.

The virtual account opening server 400 of the surrogate driver's name provided on the surrogate driver's name virtual account opening system according to the present invention is connected to the surrogate driver's company terminal via a predetermined network means. A generic term for an elementary system-side component, which may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device). The present invention is not limited thereby.

According to an embodiment of the present invention, the virtual account opening server 400 of the proxy driver's name is provided with an interface unit 405 for providing a predetermined virtual account opening interface to the proxy driving company terminal through the network means. It is characterized by.

According to an exemplary embodiment of the present invention, when the proxy driving company terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 405 is the wired terminal. At least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a network and / or a wireless 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 transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 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 virtual account opening program of a predetermined surrogate driver's name provided by the surrogate driver's name virtual server opening server 400, the interface unit 405 is based on the TCP / IP protocol. It connects the communication channel with the client terminal, and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the proxy driving company terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a virtual account opening program provided by the proxy driver's name in the virtual account opening server 400, the interface unit 405 is the client terminal based on the CDMA protocol And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 4, the virtual account opening server 400 of the proxy driver's name is connected to the virtual account opening server 400 of the proxy driver's name through the interface unit 405. Generate (or extract) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the proxy driving company terminal in connection with the interface unit 405 to the proxy driving company terminal. An information receiving unit for receiving a predetermined virtual account opening application information that is input (or selected) and transmitted from the interface provider 410 and the interface unit 405 in connection with the interface unit 405 via the user interface. 415 and corresponding to the virtual account of the name of the proxy driver to be opened to the customer based on the received virtual account opening application information; An information generation unit for generating predetermined virtual account ledger information, and a financial account corresponding to the real account of the proxy driving company name linked to the virtual account of the proxy driver name in the ledger D / B 500 on the financial system; And an information storage unit 425 for storing the generated virtual account ledger information in association with the account ledger.

The interface providing unit 410 is a functional configuration provided to the surrogate operation company terminal when a predetermined surrogate operation company terminal connected to the virtual account opening server 400 of the surrogate driver's name through the interface unit 405. Correspondingly, the user inputs (or selects) the virtual account opening application information to generate a predetermined user interface capable of transmitting to the virtual account opening server 400 of the proxy driver's name through the network means, and / or a predetermined database. And extracting the generated (or extracted) user interface in cooperation with the interface unit 405 to the proxy driving company terminal through the network means.

Subsequently, the proxy driving company terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selected) virtual account opening application information through the network means. It is transmitted to the name virtual account opening server 400.

According to an embodiment of the present invention, when the proxy driving company terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 410 may be configured as described above. Generate (or extract) a predetermined user interface that can be provided by a browser program and / or a communication program included in the client terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405. It is desirable to.

According to another exemplary embodiment of the present invention, when the proxy driving company terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 may include a browser program provided in the client terminal and / Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined virtual account opening application information through the user interface from the proxy driving company terminal and transmits the information through the network means, in association with the interface unit 405. And receiving the virtual account opening application information, and providing the received virtual account opening application information to the information generating unit.

According to the implementation method of the present invention, the virtual account establishment application information and the surrogate operation driver information requesting the surrogate driver's name to open a virtual account for the surrogate operation charge settlement processing for the surrogate operation driver, and the surrogate driver information and At least one real account information of the name of the surrogate operation company corresponding to the parent account associated with the virtual account is preferably made.

Here, the information on the surrogate operation company requesting the surrogate operation driver to open a virtual account name for the surrogate operation charge settlement processing for the surrogate operation charge settlement, the company information of the surrogate operation company (for example, the company name of the surrogate operation company, business registration Number, address, telephone number, e-mail, etc., and the member information of the surrogate driving company (for example, the surrogate driving company is registered as a financial transaction customer of the financial institution by the virtual account opening system in response to the surrogate driving company) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with.

In addition, the proxy driver information is personal information (for example, the name of the surrogate driver, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information (for example, the surrogate driver) of the surrogate driver. Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the virtual account opening system in response to the proxy driver by the customer joining as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the real account information of the name of the surrogate operation company associated with the virtual account, the name of the surrogate operation company corresponding to the virtual account linked to the virtual account of the surrogate driver name of the surrogate driver's name at the request of the surrogate driver's company As information corresponding to a real account, it is preferable to include at least one or more of the account number and account holder information, etc. for the real account of the name of the agent operating company already established in the ledger D / B (500) on the financial system. .

According to an embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the validity of the virtual account opening is confirmed that a financial account corresponding to the real account information of the name of the proxy driving company included in the virtual account opening application information is opened as a real account in the ledger D / B (500) on the financial system It is preferable to include checking whether there is.

The information generating unit generates predetermined virtual account ledger information to be provided in the virtual account of the proxy driver's name opened in the proxy driver's name based on the virtual account establishment application information received through the information receiving unit 415. The virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 500 provided on the financial system (or the virtual account is It is preferred to include at least one ledger information which should be provided to process at least one or more financial transactions requested by the surrogate driver.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to process at least one or more financial transactions requested by the proxy driver). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the virtual account of the proxy driver's name is generated by the information generator, the information storage unit 425 is provided in the ledger D / B 500 provided on the financial system. And generating a predetermined virtual account ledger associated with the account ledger corresponding to the real account in the name of the proxy driving company and storing the generated virtual account ledger information in the virtual account ledger.

5 is a view showing the configuration of a virtual account ledger for surrogate operation payment settlement processing according to another embodiment of the present invention.

In more detail, FIG. 5 is a name of a surrogate operation company provided in the ledger D / B 500 on the financial system for the surrogate operation settlement process in the virtual account opening system of the surrogate driver's name shown in FIG. As for the virtual account ledger that is processed in connection with the account ledger corresponding to the account, those skilled in the art to which the present invention pertains, refer to and / or modify this figure 5 Various implementation methods for the virtual ledger configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, the virtual account ledger corresponding to the virtual account of the surrogate driver's name opened in the surrogate driver's name for the surrogate operation of the surrogate operation of the surrogate driver's settlement is provided with the account ledger corresponding to the real account of the surrogate operation company's name. It is characterized in that the link is processed and provided in the ledger D / B 500 on the financial system, the account ledger corresponding to the real account in the name of the surrogate operation company is linked to a predetermined customer ledger corresponding to the surrogate operation company Characterized in that it is processed.

In this figure 5 according to the implementation method of the present invention, the customer ledger corresponds to the proxy driving company, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address , Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Type of business, legal representative, first trade date, TRW, DB, usage, parent company number. Country name, transmission, gender 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. It is preferable.

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, in this figure 5, the account ledger corresponding to the real account of the name of the proxy driving company is linked to the customer ledger in a relational form, 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It consists of account ledger information including at least one of interest rate accounting, whether the consolidation, whether the final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number corresponding to the ledger, Periodic reception information including at least one or more abstentions (months), period (days), period extension, maturity date and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one number of shares, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to a real account in the name of the proxy driving company. At least one to be included in the account ledger provided in the ledger D / B 500 provided on the financial system (or a virtual account to be equipped to process at least one or more financial transactions requested by the proxy driver). It is preferable that the above ledger information is included.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, 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, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation, wherein the virtual account deposit is the agent As the amount corresponding to the virtual account balance of the driver's name, the actual balance of the virtual account of the proxy driver's name is the proxy driving It is preferable that the body had been deposited into the account of the chamber.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

FIG. 6 is a diagram illustrating a virtual account opening process of a surrogate driver's name for a surrogate operation settlement process according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a client in which a predetermined customer includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the virtual account opening system of the proxy driver's name shown in FIG. 4. When a predetermined virtual account opening application information is transmitted to the virtual account opening server 400 of the proxy driver's name through the terminal and the network means), the virtual account opening server 400 of the proxy driver's name is transferred. The account opening server 400 is a process for opening a virtual account of a predetermined driver's name based on the virtual account opening application information, the person having ordinary knowledge in the technical field to which the present invention belongs, this figure 6 By opening the virtual account of the surrogate driver's name for the settlement of surrogate operation payment by referring to and / or modifying 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.

Hereinafter, the surrogate driving company terminal shown in FIG. 4 is referred to as "terminal" in FIG. 6, and the virtual account opening server 400 of the surrogate driver's name is referred to as "server" for convenience.

Referring to FIG. 6, a surrogate operation company that wants to open a virtual account of the surrogate driver's name to the surrogate driver's account for the surrogate operation's settlement process, accesses the server through the network means using the terminal, and Request a virtual account opening interface for opening a virtual account of the surrogate driver's name to the server (600), and correspondingly, the server extracts (or creates) a virtual account opening interface for opening a virtual account of the surrogate driver's name Provided to the terminal (605).

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface, and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface (610). .

Here, the virtual account opening interface is a predetermined terminal used by the proxy driving company, network means for connecting the terminal and the server, and the server inputs the predetermined virtual account opening application information from the terminal to the server to be transmitted to the server. It is preferable to include a user interface for.

According to the implementation method of the present invention, the virtual account establishment application information and the surrogate operation driver information requesting the surrogate driver's name to open a virtual account for the surrogate operation charge settlement processing for the surrogate operation driver, and the surrogate driver information and At least one real account information of the name of the surrogate operation company corresponding to the parent account associated with the virtual account is preferably made.

Here, the information on the surrogate operation company requesting the surrogate operation driver to open a virtual account name for the surrogate operation charge settlement processing for the surrogate operation charge settlement, the company information of the surrogate operation company (for example, the company name of the surrogate operation company, business registration Number, address, telephone number, e-mail, etc., and the member information of the surrogate driving company (for example, the surrogate driving company is registered as a financial transaction customer of the financial institution by the virtual account opening system in response to the surrogate driving company) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with.

In addition, the proxy driver information is personal information (for example, the name of the surrogate driver, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and the member information (for example, the surrogate driver) of the surrogate driver. Member ID information or CIF (Customer Information) provided in the customer ledger provided on the financial system associated with the virtual account opening system in response to the proxy driver by the customer joining as a financial transaction customer of the financial institution. File (numbers), etc.).

In addition, the real account information of the name of the surrogate operation company associated with the virtual account, the name of the surrogate operation company corresponding to the real account linked to the virtual account of the name of the surrogate driver at the name of the surrogate driver at the request of the surrogate operation company. As information corresponding to a real account, it is preferable to include at least one or more of the account number and account holder information, etc. for the real account of the name of the agent operating company already established in the ledger D / B (500) on the financial system. .

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby validating whether the virtual account name of the agent can be opened to the customer. Check (615).

Here, the validity of the virtual account opening is confirmed that a financial account corresponding to the real account information of the name of the proxy driving company included in the virtual account opening application information is opened as a real account in the ledger D / B (500) on the financial system It is preferable to include checking whether there is.

If the validity to open the virtual account name of the proxy driver is not authenticated to the customer through the virtual account opening application information (620), the server transmits the name of the proxy driver name to the customer through the virtual account opening interface. The virtual account opening error information is provided (625), and the customer stops opening the virtual account of the proxy driver's name.

On the other hand, if the validity to open the virtual account name of the surrogate driver's name to the customer through the virtual account opening application information is authenticated (620), the server to open to the surrogate driver on the basis of the virtual account opening application information. The virtual account ledger information of the proxy driver's name corresponding to the virtual account of the proxy driver's name is generated (630).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account, and the account ledger provided in the ledger D / B 500 provided on the financial system (or the virtual account is the surrogate driver) And at least one ledger information to be provided for processing at least one or more financial transactions requested.

One of ordinary skill in the art has at least one ledger to be included in the account ledger (or a virtual account to be equipped to process at least one or more financial transactions requested by the proxy driver). Since you will be familiar with the information structure, a detailed description thereof will be omitted for convenience.

Subsequently, the server has a real name of a proxy driving company name to be associated with a virtual account of the name of the surrogate driver to be opened to the surrogate driver among at least one account ledger provided on the ledger D / B 500 on the financial system. The account ledger corresponding to the account is checked (635).

If the account ledger corresponding to the real account of the name of the proxy driving company to be associated with the virtual account of the name of the proxy driver to be opened to the proxy driver is confirmed (640), the server is ledger D / B (500) on the financial system The virtual account ledger of the name of the proxy driver is processed in connection with the account ledger corresponding to the real account of the name of the proxy driving company that is provided on (645), and the ledger D / B (500) on the financial system The generated virtual account ledger information is stored in the virtual account ledger generated in association with the account ledger corresponding to the real account of the proxy driving company name (650).

Subsequently, the proxy driver is preferably used as a deposit for the surrogate operation price by depositing the amount (or the amount according to the autonomy of the surrogate driver) determined by the surrogate operation company in the virtual account of the name of the surrogate driver.

7 is a diagram illustrating a card issuing system for the surrogate operation price settlement processing according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates that when a predetermined customer provides application information for issuing a surrogate operation payment settlement card for a predetermined surrogate operation payment settlement process to a financial system through a predetermined card issuance interface, the provided surrogate is provided by the financial system. As a system configuration for issuing a surrogate operation payment card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the application information for issuing the operation payment settlement card, the present invention belongs to Those skilled in the art will be able to infer various implementation methods for the card issuance system configuration for the surrogate operation payment settlement process by referring to and / or modifying the drawing 7, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

Here, the customer may be a manager (or an employer) of a proxy driving company that employs the proxy driver or the proxy driver.

In the following, at least the card issuing predetermined surrogate operation payment card to the customer based on the surrogate operation payment card issuance application information provided from the customer through a predetermined card issuance interface on the card issuing system shown in FIG. Components corresponding to one or more means and / or functional configurations are referred to as " card issuing server 700 " for convenience.

Referring to this drawing 7, according to the embodiment of the present invention, the card issuing system for the proxy operation payment settlement process, the employee terminal used by the card issuing staff provided in at least one card issuing institution (or financial institution) And / or a client terminal including at least one wired terminal and / or a wireless terminal used by the customer when the card issuing system supports a non-face-to-face card issuing application. The employee terminal and / or the client terminal is characterized in that the communication channel is connected to the card issuing server 700 provided on the financial system through a predetermined network means.

According to one embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for the surrogate operation payment settlement process and through the window (or card) provided in the card issuing institution (or financial institution). Prepare a predetermined card issuance application (e.g., a document with a form for filling in at least one information item for the surrogate operation settlement) through the issuer The card issuing clerk visits the customer and asks the customer to fill out a predetermined card issuance application for the surrogate operation payment settlement process), and when the submitted card issuance application is submitted to the card issuing staff, the card The issuing employee enters (or selects) the information entered in the card issuance application through a predetermined employee terminal. The employee terminal preferably transmits the input (or selected) information to the card issuing server 700 provided on the financial system through the network means.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution (or financial institution), the card issuing server 700 connected to the employee terminal is the card issuing Preferably, the network means includes a server provided on an institution (or a financial institution, or a card issuing agency affiliated with the card issuing institution), and the network means for connecting the employee terminal and the card issuing server 700 is It is preferable to include a communication network connecting the communication channel between the employee terminal and the card issuing server 700.

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 700 is the customer said Performs the function of the card issuing interface for registering the application information for issuing the surrogate operation payment settlement card for the surrogate operation settlement settlement processing.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is selected from a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The card issuing server 700 is connected to the card issuing server 700 through at least one or more client terminals, and at least one user interface provided by the card issuing server 700 issuing a proxy operation billing card issuance application for the surrogate operation billing processing. When the information is input (or selected), it is preferable that the client terminal transmits the information to the card issuing server 700 provided on the financial 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 TCP / IP based communication network, and a desktop computer and / or a notebook 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 High Speed Do at least one wireless communication terminal connected to a wireless communication network based on a wnlink packet access), a portable internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex based wireless data communication network. It is preferable to make.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 700, and inputs and / or selects at least one or more information through the user interface to the card issuing server 700. 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 card issuing server 700, 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 and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

In the card issuing system, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 700 and And / or the wireless communication network performs a function of a card issuing interface for the customer to register the proxy operation payment settlement card issuance application information for the proxy operation payment settlement processing.

According to another exemplary embodiment of the present invention, when the card issuing system supports a card issuing application in a non-face-to-face manner, the card issuing terminal 745 may have a predetermined financial network in addition to the employee terminal and / or the client terminal. It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to (for example, a financial common network), and / or a predetermined And a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network, and / or a mobile communication network, a wireless VoIP network, It further comprises a predetermined call terminal (not shown) connected to the same wireless telephone network, and / or is provided in at least one or more institutions affiliated with the card issuer (or financial institution). Terminal (and / or server) (not shown) may be further included, whereby the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 745 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 700 performs a function of a card issuing interface for the customer to register the proxy driving payment settlement card issuing application information for the proxy driving payment settlement processing, and / Or the card issuing terminal 745 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 700 and / Or the wireless telephone network performs the function of the card issuing interface for the customer to register the proxy driving payment settlement card issuance application information for the surrogate operation payment settlement processing, And / or the terminal (and / or server) (not shown) when the card issuing terminal 745 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuing institution (or financial institution). O) and the network connecting the terminal (and / or server) (not shown) and the card issuing server 700 is registered by the customer for the surrogate operation payment settlement card issuing application information for the surrogate operation payment settlement processing Functions as a card issuing interface for

The information D / B 740 provided on the financial system according to the present invention settles a predetermined proxy driving price to the customer based on the proxy driving price settlement card issuance application information provided from the card issuing terminal 745. After issuing a card, the information on the surrogate operation driver card issuance according to the issue of the surrogate operation payment card is stored, characterized in that the surrogate operation driver card issuing information stored in the information D / B (740) on the financial system It is used for the surrogate operation price settlement processing.

According to an embodiment of the present invention, the information D / B 740 is preferably provided in a DBMS on a predetermined financial system provided on the financial system (or associated with the financial system). The information D / B 740 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 exemplary embodiment of the present invention, the information D / B 740 is based on (or associated with) the online payment system, and / or the WAP-based wireless payment system, and / or IC chip based. It is possible to be provided in the DBMS on at least one or more of the wireless payment system and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the information D / B 740 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial 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.

According to another exemplary embodiment of the present invention, the information D / B 740 interoperates with a server (or device) that performs a predetermined information processing function using the proxy driver's card issue information on the financial system. It is preferable to be provided in a predetermined DBMS, and the location where the information D / B 740 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 700 provided on the financial system according to the present invention is a generic term for the components of the financial system connected to the card issuing terminal 745 through a predetermined network means, and includes at least one server (or Device) and / or at least one program 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, the card issuing server 700 includes an interface unit 705 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 745 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 745 is an employee terminal connected to a predetermined financial network, the interface unit 705 may be connected to the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 745 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 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 predetermined card issuing application program provided by the card issuing server 700, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 745 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 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 a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 700, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in program.

Referring to FIG. 7, the card issuing server 700 interworks with the interface unit 705 when a predetermined card issuing terminal 745 is connected to the card issuing server 700 via the interface unit 705. Generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined proxy driving payment card issuance application information from the card issuing terminal 745 and providing the card issuing terminal 745 to the card issuing terminal 745. A predetermined surrogate operation payment settled by the interface providing unit 710 (or the interface providing unit) and the interface unit 705 through the user interface is input (or selected) from the card issuing terminal 745. The information receiving unit 715 (or information receiving means) for receiving the card issuing application information, and the issuer to issue to the customer based on the received proxy operation payment card issuing application information. The proxy driving fee is generated through an information generation unit 725 (or information generating means) for generating (or extracting) predetermined proxy driving price settlement card information corresponding to the driving price settlement card and a predetermined card issuing device 735. The card issuing unit 730 (card issuing means) for issuing a predetermined surrogate operation payment settlement card including settlement card information, and the surrogate operation driver card issuance information corresponding to the surrogate operation payment settlement card issued to the customer. And an information storage unit 720 (or information storage means) for storing in the information D / B 740.

The interface providing unit 710 corresponds to a functional configuration provided in the card issuing terminal 745 when a predetermined card issuing terminal 745 is connected to the card issuing server 700 through the interface unit 705. Input (or select) the proxy driving payment settlement card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 700 via the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 705 to the card issuing terminal 745 through the network means.

Thereafter, the card issuing terminal 745 inputs (or selects) the proxy driving price settlement card issuing application information based on the user interface, and inputs the entered (or selected) proxy driving price settlement card issuing application information. The card issuing server 700 transmits through a network means.

According to an embodiment of the present invention, when the card issuing terminal 745 is an employee terminal connected to a predetermined financial network, the interface providing unit 710 may provide a card issuance application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the card issuing terminal 745 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 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 705.

According to another exemplary embodiment of the present invention, when the card issuing terminal 745 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 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 705.

The information receiving unit 715 inputs (or selects) predetermined proxy driving payment settlement card issuing application information from the card issuing terminal 745 through the user interface and transmits the information through the network means. And receiving the surrogate operation payment settlement card issuing application information in connection with the), and provides the received surrogate operation payment settlement card issuing application information to the information generating unit 725. FIG.

According to the implementation method of the present invention, the surrogate operation payment settlement card issuing application information, the surrogate operation driver information of the card issuing customer, surrogate operation payment settlement card information, virtual account (or real account) information of the surrogate operation driver name, surrogate It includes at least one real account information of the driver's name.

Here, the agent information of the driver is the personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card issuing customer, and the customer issuing the card issuing server 700 At least one member information (for example, member ID information) subscribed to is preferably included.

In addition, the surrogate operation charge settlement card information is a proxy issued to the surrogate driver (or the surrogate operation company) for settlement of surrogate operation charges for surrogate operation charges received by the surrogate driver driver from the customer using the surrogate operation service. It is preferable that the card information recorded on the driving price settlement card is included, and further comprising the proxy driver's classification information for distinguishing the surrogate driver providing the surrogate operation service for settlement of the surrogate operation fee. desirable.

In addition, the virtual account (or real account) information of the surrogate driver's name is a virtual account for the virtual account having a real account of the name of the surrogate operation company opened through the virtual account opening system shown in FIG. It is preferable to include at least one or more, such as account number, virtual account alias.

In addition, the real account information of the name of the proxy driving company is a part (or the total amount) of the amount deposited in the virtual account (or real account) in the name of the proxy driver when the surrogate operation payment settlement processing through the surrogate operation price settlement card It is preferable to include at least one or more account numbers, account aliases, etc. for the deposit account to be deposited.

The information generation unit 725 is predetermined proxy operation payment settlement card information to be provided to the customer on the proxy operation payment settlement card information based on the application information for the proxy operation payment settlement card received through the information receiving unit 715 Characterized in that the generation (or extraction), the surrogate operation payment card information is the card number (for example, 16-digit card number) and the expiration date information (some may be omitted) and the card corresponding to the surrogate operation payment card It includes at least one issuer information (or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the surrogate operation payment settlement card can be used, and may be omitted when there is no expiration date in the surrogate operation settlement payment card. The present invention is not limited.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the surrogate operation payment card to the customer.

When predetermined proxy operation payment settlement card information provided in the proxy operation payment settlement card is generated by the information generation unit 725, the card issuing unit 730 receives the substitution through the predetermined card issuing device 735. Producing a surrogate operation price settlement card including the operation price settlement card information (or having the surrogate operation price settlement card information in the surrogate operation price settlement card), wherein the surrogate operation price settlement card to the customer Provided (or delivered).

If the surrogate payment card is an MS (Magnetic Stripe) card, the card issuing device 735 includes at least one MS track (eg, track I, track II, track III) included in the surrogate payment card. And an apparatus for recording the surrogate operation payment settlement card information on the data generator, wherein the information generation unit 725 generates (or extracts the surrogate operation payment settlement card information with a data structure recordable in at least one or more MS tracks). The card issuing unit 730 issues a predetermined proxy driving payment card to be issued to the customer by recording the proxy driving payment settlement card information on the at least one MS track through the card issuing device 735. do.

Alternatively, if the proxy operation payment settlement card is an IC (Integrated Circuit) card, the card issuing device 735 is a device for recording the proxy operation payment settlement card information in the memory provided on the IC chip of the proxy operation payment settlement card In this case, the information generation unit 725 generates (or extracts) the surrogate operation payment settlement card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, The card issuing unit 730 records the surrogate operation payment settlement card information through the card issuing device 735 in the memory of the IC chip, thereby issuing a predetermined surrogate operation payment settlement card to be issued to the customer.

The surrogate operation payment card manufactured as described above is provided to the customer and / or is delivered to the customer according to a predetermined card providing procedure, and then the customer pays the surrogate operation through the financial system according to the present invention. The settlement card will be used.

Subsequently, the information storage unit 720 and the surrogate operation driver information and the generated surrogate operation settlement card information included in the surrogate operation payment settlement card issuing application information received from the customer through the information receiving unit 715 and Characterized in the information D / B (740) is stored in the proxy driver driver card issued information including at least one of the virtual account (or real account) information of the surrogate driver name, the real account information of the surrogate operation company name.

8 is a diagram illustrating a card issuing process for the surrogate operation payment settlement processing according to an embodiment of the present invention.

In more detail, in FIG. 8, a predetermined customer issues a card issuance application through a face-to-face card issuance interface (e.g., the card issuance application, employee terminal and network means) in the card issuance system shown in FIG. When the card issuing staff is submitted to the card issuing staff, the card issuing staff inputs (or selects) the card payment application card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 745 to issue the card. When transmitting to the server 700, the card issuing server 700 shows the process of issuing the surrogate operation price settlement card for the surrogate operation price settlement processing to the customer based on the application information for issuing the surrogate operation payment card As one of ordinary skill in the art to which the present invention pertains, reference to and / or modification of this figure 8 Various implementation methods for issuing the surrogate operation price settlement card for the surrogate operation price settlement process may be inferred, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

For example, FIG. 8 illustrates that the surrogate operation fee card is generated and provided (or shipped) to the customer, and then the surrogate driver's card issue information is stored in the information D / B 740. According to the intention of the person skilled in the art, the process of storing the predetermined driver's card information issued by the substitute driver in the information D / B (740) before producing the proxy driving bill settlement card, or after the proxy driving bill settlement card is produced It may be performed before being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 8, the card issuing terminal 745 shown in FIG. 7 is called "terminal" for convenience, and the card issuing server 700 is called "server" for convenience.

Referring to FIG. 8, in order to receive the surrogate operation payment settlement card for the surrogate operation payment settlement process, the customer selects through a face-to-face card issuance interface (e.g., the card issuance application form and the employee terminal and network means). A card issuance application (e.g., a document with a form for filling in at least one information item for the surrogate operation payment settlement process) is submitted to the card issuing staff, and the terminal is issued by the card issuing staff. Receives (or selects) the proxy driving payment settlement card issuing application information corresponding to the card issuance application written by the customer through a predetermined user interface (800), and the proxy driving payment settlement card issuing application information through the network means; Is transmitted to the server (805).

According to the implementation method of the present invention, the surrogate operation payment settlement card issuing application information, the surrogate operation driver information of the card issuing customer, surrogate operation payment settlement card information, virtual account (or real account) information of the surrogate operation driver name, surrogate It includes at least one real account information of the driver's name.

Here, the agent information of the driver is the personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card issuing customer, and the customer issuing the card issuing server 700 At least one member information (for example, member ID information) subscribed to is preferably included.

In addition, the surrogate operation charge settlement card information is a proxy issued to the surrogate driver (or the surrogate operation company) for settlement of surrogate operation charges for surrogate operation charges received by the surrogate driver driver from the customer using the surrogate operation service. It is preferable that the card information recorded on the driving price settlement card is included, and further comprising the proxy driver's classification information for distinguishing the surrogate driver providing the surrogate operation service for settlement of the surrogate operation fee. desirable.

In addition, the virtual account (or real account) information of the surrogate driver's name is a virtual account for the virtual account having a real account of the name of the surrogate operation company opened through the virtual account opening system shown in FIG. It is preferable to include at least one or more, such as account number, virtual account alias.

In addition, the real account information of the name of the proxy driving company is a part (or the total amount) of the amount deposited in the virtual account (or real account) in the name of the proxy driver when the surrogate operation payment settlement processing through the surrogate operation price settlement card It is preferable to include at least one or more account numbers, account aliases, etc. for the deposit account to be deposited.

Subsequently, the server generates (or extracts) predetermined proxy driving payment settlement card information corresponding to the proxy driving payment settlement card to be issued to the customer based on the proxy driving payment settlement card issuing application information (825). The driving price settlement card information includes at least one of a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and card issuer information (or code) corresponding to the proxy driving price settlement card. .

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the surrogate operation payment settlement card can be used, and may be omitted when there is no expiration date in the surrogate operation settlement payment card. The present invention is not limited.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the surrogate operation payment card to the customer.

According to an exemplary embodiment of the present invention, if the surrogate operation settlement card is an MS card, the generated surrogate operation settlement card information includes a data structure recordable in at least one or more MS tracks provided in the MS card. desirable.

According to another exemplary embodiment of the present invention, if the proxy operation payment settlement card is an IC card, the generated proxy operation payment settlement card information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable to make it.

Subsequently, the server generates a predetermined surrogate operation payment settlement card having the surrogate operation payment settlement card information through the predetermined card issuing device 735 and provides (or delivers) the predetermined surrogate operation payment settlement card to the customer (830).

According to an exemplary embodiment of the present invention, if the proxy driving price settlement card is an MS card, the card issuing device 735 may include at least one MS track (eg, track I, track II, And a device for recording the proxy operation payment settlement card information on track III).

According to another exemplary embodiment of the present invention, if the proxy operation payment settlement card is an IC card, the card issuing device 735 stores the proxy operation payment settlement card information in a memory provided in the IC chip of the proxy operation payment settlement card. It is preferable to include an apparatus for recording.

Thereafter, the server substitutes the virtual driver account information and the surrogate operation payment settlement card information and the surrogate operation driver name information included in the surrogate operation payment settlement card issuing application information provided from the customer through the card issuing interface (or In operation 835, information about the driver's driver card issuing information including at least one of real account information and real account information of the name of the proxy driving company is stored in the information D / B 740.

Here, the proxy driver information included in the proxy driver card issuing information is the personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.), Preferably, the customer includes at least one member information (eg, member ID information) subscribed to the card issuing server 700.

In addition, the virtual account (or real account) information of the name of the surrogate driver's driver included in the proxy driver's card issue information, the real account information of the surrogate driver's company name

According to an embodiment of the present invention, the information D / B 740 is preferably provided in a DBMS on a predetermined financial system provided on the financial system (or associated with the financial system). The information D / B 740 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 exemplary embodiment of the present invention, the information D / B 740 is based on (or associated with) the online payment system, and / or the WAP-based wireless payment system, and / or IC chip based. It is possible to be provided in the DBMS on at least one or more of the wireless payment system and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the information D / B 740 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial 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.

9 is a diagram illustrating a card issuing process for the surrogate operation payment settlement processing according to another embodiment of the present invention.

In more detail, FIG. 9 shows a non-face-to-face card issuing interface (e.g., client terminal and network means including at least one of a wired terminal and / or a wireless terminal) by a predetermined customer in the card issuing system shown in FIG. When the card issuing server 700 is connected to and inputs (or selects) predetermined proxy driving payment card issuing application information and transmits the card issuing server 700, the card issuing server payment requesting card issuing application information is transmitted. Based on the process of issuing the surrogate operation price settlement card for the surrogate operation price settlement processing based on the customer, if the person of ordinary skill in the art to which the present invention pertains, refer to this figure 9 and / or Infers various implementation methods for issuing the surrogate operation price settlement card for the surrogate operation price settlement processing Number would be, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 9.

For example, FIG. 9 illustrates that the surrogate operation driver card issuance information is stored in the information D / B 740 after the surrogate operation payment card is produced and provided (or shipped) to the customer. According to the intention of the person skilled in the art, the process of storing the predetermined driver's card information issued by the substitute driver in the information D / B (740) before producing the proxy driving bill settlement card, or after the proxy driving bill settlement card is produced It may be performed before being provided (or shipped) to the customer, and the present invention is not limited thereto.

Hereinafter, in FIG. 9, the card issuing terminal 745 shown in FIG. 7 is called "terminal" for convenience, and the card issuing server 700 is called "server" for convenience.

Referring to FIG. 9, the customer connects the communication channel for card issuance application through a predetermined terminal and connects the proxy operation payment card for the surrogate operation payment settlement process through the communication channel. In operation 900, the server generates (or extracts) a user interface for issuing the surrogate operation payment card and provides the terminal to the terminal through the communication channel (905).

Thereafter, the terminal receives (or selects) the proxy driving price settlement card issuing application information through the user interface and receives the proxy driving price settlement card issuing application information input (or selected) through the communication channel. In step 910.

According to the implementation method of the present invention, the surrogate operation payment settlement card issuing application information, the surrogate operation driver information of the card issuing customer, surrogate operation payment settlement card information, virtual account (or real account) information of the surrogate operation driver name, surrogate It includes at least one real account information of the driver's name.

Here, the agent information of the driver is the personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the card issuing customer, and the customer issuing the card issuing server 700 At least one member information (for example, member ID information) subscribed to is preferably included.

In addition, the surrogate operation charge settlement card information is a proxy issued to the surrogate driver (or the surrogate operation company) for settlement of surrogate operation charges for surrogate operation charges received by the surrogate driver driver from the customer using the surrogate operation service. It is preferable that the card information recorded on the driving price settlement card is included, and further comprising the proxy driver's classification information for distinguishing the surrogate driver providing the surrogate operation service for settlement of the surrogate operation fee. desirable.

In addition, the virtual account (or real account) information of the surrogate driver's name is a virtual account for the virtual account having a real account of the name of the surrogate operation company opened through the virtual account opening system shown in FIG. It is preferable to include at least one or more, such as account number, virtual account alias.

In addition, the real account information of the name of the proxy driving company is a part (or the total amount) of the amount deposited in the virtual account (or real account) in the name of the proxy driver when the surrogate operation payment settlement processing through the surrogate operation price settlement card It is preferable to include at least one or more account numbers, account aliases, etc. for the deposit account to be deposited.

Thereafter, the server generates (or extracts) predetermined surrogate operation payment settlement card information corresponding to the surrogate operation payment settlement card to be issued to the customer based on the surrogate operation payment settlement card issuing application information (930). The driving price settlement card information includes at least one of a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and card issuer information (or code) corresponding to the proxy driving price settlement card. .

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

Preferably, the validity period information includes a period (or an expiration date and time) in which the surrogate operation payment settlement card can be used, and may be omitted when there is no expiration date in the surrogate operation settlement payment card. The present invention is not limited.

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the surrogate operation payment card to the customer.

According to an exemplary embodiment of the present invention, if the surrogate operation settlement card is an MS card, the generated surrogate operation settlement card information includes a data structure recordable in at least one or more MS tracks provided in the MS card. desirable.

According to another exemplary embodiment of the present invention, if the proxy operation payment settlement card is an IC card, the generated proxy operation payment settlement card information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable to make it.

Thereafter, the server generates a predetermined surrogate operation payment settlement card including the surrogate operation payment settlement card information through the predetermined card issuing device 735 and provides (or delivers) the service to the customer (935).

According to an exemplary embodiment of the present invention, if the proxy driving price settlement card is an MS card, the card issuing device 735 may include at least one MS track (eg, track I, track II, And a device for recording the proxy operation payment settlement card information on track III).

According to another exemplary embodiment of the present invention, if the proxy operation payment settlement card is an IC card, the card issuing device 735 stores the proxy operation payment settlement card information in a memory provided in the IC chip of the proxy operation payment settlement card. It is preferable to include an apparatus for recording.

Thereafter, the server substitutes the virtual driver account information and the surrogate operation payment settlement card information and the surrogate operation driver name information included in the surrogate operation payment settlement card issuing application information provided from the customer through the card issuing interface (or In operation 940, information about the driver's driver card issuing information including at least one of real account information and at least one real account information of the name of the proxy driving company is stored in the information D / B 740.

Here, the proxy driver information included in the proxy driver card issuing information is the personal information of the card issuing customer (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.), Preferably, the customer includes at least one member information (eg, member ID information) subscribed to the card issuing server 700.

In addition, the virtual account (or real account) information of the name of the surrogate driver's driver included in the proxy driver's card issue information, the real account information of the surrogate driver's company name

According to an embodiment of the present invention, the information D / B 740 is preferably provided in a DBMS on a predetermined financial system provided on the financial system (or associated with the financial system). The information D / B 740 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 exemplary embodiment of the present invention, the information D / B 740 is based on (or associated with) the online payment system, and / or the WAP-based wireless payment system, and / or IC chip based. It is possible to be provided in the DBMS on at least one or more of the wireless payment system and / or the tele payment system, whereby the present invention is not limited.

According to yet another embodiment of the present invention, the information D / B 740 may include an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial 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.

10 is a diagram showing a surrogate operation payment settlement system for the surrogate operation payment settlement processing according to an embodiment of the present invention.

In more detail, in Figure 10, a predetermined customer through a predetermined terminal for the surrogate operation payment settlement processing system for surrogate operation payment settlement card surrogate operation payment card information, surrogate operation payment information, customer's wireless terminal information (or When the surrogate operation price settlement request information including at least one cash receipt card information) is provided, the surrogate operation price settlement processing system in response to the provided surrogate operation price settlement request information configuration of the system As those skilled in the art to which the present invention pertains, those skilled in the art may refer to and / or modify this drawing 10 to infer various implementation methods for configuring a surrogate operation payment settlement system for surrogate operation payment settlement processing. As will be appreciated, the present invention includes all implementation methods inferred by the above, It shall not be limited to the exemplary method shown in figure 10.

Hereinafter, the components corresponding to at least one or more means and / or functional configuration for the surrogate operation payment settlement system on the surrogate operation payment settlement processing system shown in FIG. 10 will be referred to as the "settlement processing server 1000" for convenience.

Referring to this drawing 10 according to the embodiment of the present invention, the surrogate operation settlement processing system for the surrogate operation settlement settlement processing, the card terminal including at least one or more payment terminal and / or unmanned financial terminal used by the customer ( 1035, wherein the card terminal 1035 is connected to a settlement processing server 1000 provided on the surrogate operation payment settlement system through a predetermined network means.

According to an exemplary embodiment of the present invention, the card terminal 1035 may be an unmanned financial terminal (ie, an automatic teller machine (ATM) or a cash dispenser) connected to a predetermined financial network (for example, a financial common network). It is preferable to include a financial automated device including a cash dispenser (CD).

In the surrogate operation payment settlement system as described above, when the card terminal 1035 is the financial automatic device, the financial network connecting the automatic teller machine, the automatic teller machine and the settlement processing server 1000 is It is preferable that a customer performs a function of a surrogate operation payment settlement interface for registering surrogate operation payment settlement request information for the surrogate operation payment settlement processing.

According to another exemplary embodiment of the present invention, the payment terminal preferably includes at least one of a credit authorization terminal (CAT) and / or a point of sales terminal having a payment function.

The storage medium 1030 provided on the surrogate operation payment settlement system according to the present invention is the surrogate operation payment settlement card information issued through the card issuing system shown in the drawing and the virtual account opening system shown in the drawing. The virtual account (or real account) information of the name of the surrogate driver, opened through the agency, the real account information of the name of the surrogate operation company to which the surrogate driver belongs, and the business registration information of the surrogate driver (or surrogate operation company) It characterized in that for storing at least one or more.

The surrogate operation price settlement card information is the surrogate operation price issued to the surrogate driver (or the surrogate operation company) for settlement of surrogate operation charges for surrogate operation charges received by the surrogate driver from the customer using the surrogate operation service. It is preferable to include card information recorded in the settlement card, it is preferable that the surrogate operation for the settlement of the surrogate operation, the surrogate operation for distinguishing the surrogate driver who provided the surrogate operation service for the surrogate driver. .

The virtual account (or real account) information of the proxy driver's name is preferably made of at least one account number, account holder name, etc. for the financial account issued to the proxy driver through the drawing 1 or 4, It is preferable that the virtual account of the proxy driver's name is a virtual account having the real account of the proxy driver's name as the parent account.

The real account information of the proxy driving company name is preferably a financial account opened in the name of the company (or the name of the management department / manager / representative, etc.) that hired the proxy driver, the real account of the proxy driving company name is It is preferable that the mother account of the virtual account issued to the surrogate driver.

The operator registration information is the surrogate operation driver for the surrogate operation service service for the surrogate operation service customers and the surrogate operation driver business registration information, surrogate operation company for issuing a cash receipt according to the surrogate operation cash payment It is preferable to include at least one business registration information.

According to one embodiment of the invention, the storage medium 1030 is preferably provided in a DBMS on a financial system provided on the surrogate operation payment processing system (or associated with the surrogate operation payment processing system), In this case, the storage medium 1030 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, whereby the present invention is not limited thereto. No.

According to another exemplary embodiment of the present invention, the storage medium 1030 is provided on (or associated with) the banking settlement processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The settlement processing server 1000 provided on the surrogate operation settlement processing system according to the present invention is a generic term for the surrogate operation settlement settlement system side components connected to the card terminal 1035 through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

Referring to FIG. 10, the settlement processing server 1000 includes at least one proxy operation payment card information, proxy operation payment information, and customer wireless terminal information (or cash receipt card information) from the card terminal 1035. The storage medium 1030 in response to the information receiving unit 1010 (or information receiving means) for receiving the surrogate operation payment settlement request information and the surrogate operation payment settlement card information included in the received surrogate operation payment settlement request information Information confirmation unit (or information confirmation means) for confirming the surrogate operation price settlement card information, and the settlement calculation unit (or settlement amount calculation means) for calculating the surrogate operation company settlement amount corresponding to the received surrogate operation price information; In the virtual account (or real account) stored in the name of the surrogate operation driver linked with the surrogate operation payment settlement card information confirmed through the information confirmation unit Is characterized by formed by having a financial account processing unit 1020 for processing withdrawals and transferred to the surrogate operating company name chamber account the calculated areas jeongsangeum surrogate operation based on the reserve (or financial account processing means).

The information receiving unit 1010 proxy information for billing operation settlement information including at least one or more of the surrogate operation payment card information, surrogate operation payment information, customer's wireless terminal information (or cash receipt card information) from the card terminal 1035 When the transmission through the network means, characterized in that for receiving the surrogate operation payment settlement request information.

According to the implementation method of the present invention, receiving the surrogate operation payment settlement card information, the surrogate operation payment information, the customer's wireless terminal information (or cash receipt card information) at least one or more, the card receiving, When reading the surrogate operation payment card issued to the surrogate driver driver through a card reader provided on the terminal 1035, and inputs (or selects) a target amount for the surrogate operation payment settlement, the read It is preferable to receive the surrogate operation price information card information and the surrogate operation price information.

Here, the card terminal 1035 is a card terminal 1035 provided with a card reader for payment of the surrogate operation carried by the surrogate driver, or a PDA (Personal Digital Assisant) possessed by the surrogate driver, It may be a separately produced terminal.

In addition, the card terminal 1035 preferably further comprises an unmanned financial terminal capable of using the proxy payment card settlement.

The information confirmation unit receives the proxy operation payment settlement request information including at least one or more proxy operation payment settlement card information, surrogate operation payment information, customer's wireless terminal information (or cash receipt card information) through the information receiving unit 1010. The virtual account (or real account) information of the surrogate driver's name stored in association with the received surrogate operation payment card information is received in the storage medium 1030.

According to an exemplary embodiment of the present invention, the virtual account (or real account) information confirmation of the name of the substitute driver's driver may include information matching the proxy operation payment settlement card information included in the received replacement operation payment request information. After checking through 1030, it is preferable to check the virtual account (or real account) information of the proxy driver's name stored in association with the identified information.

According to another exemplary embodiment of the present invention, the verification of the virtual account (or real account) information of the proxy driver's name may be issued by recording on the proxy driving price settlement card when issuing the proxy driving payment settlement card. It is desirable to receive the information contained in the driving payment card.

After receiving the surrogate operation payment settlement request information including at least one or more of the surrogate operation payment settlement card information, surrogate operation payment information, the customer's wireless terminal information (or cash receipt card information) in the card terminal 1035, the information; When the virtual account (or real account) information stored in the name of the surrogate operation driver is linked to the surrogate operation payment settlement card information through the confirmation unit, the information calculating unit 1015 includes the surrogate operation included in the received surrogate operation payment settlement information. Corresponding to the price information, it is characterized in that for calculating the surrogate operation company settlement.

According to the implementation method of the present invention, when there is a settlement standard set by the surrogate driver and the surrogate operation company, the surrogate operation price settlement, it is preferable to calculate the surrogate operation company settlement according to the settlement standard, the settlement standard Is preferably stored in the storage medium 1030 or in a separate database.

For example, when the settlement standard is decided to receive 80% of the surrogate operation fee, the surrogate operation company settlement for the surrogate operation fee of 50,000 won is preferably calculated to be 40,000 won.

Further, when the settlement standard is decided to receive a certain amount (for example, 10,000 won) according to the number of surrogate operation, the surrogate operation company settlement amount for the surrogate operation fee is 50,0000 won, 10,000 It is preferable to calculate by a circle.

When the surrogate operation company settlement amount is calculated through the information calculating unit 1015, the financial account processing unit 1020 is a virtual account (or real name of the surrogate driver's name stored in association with the surrogate operation payment settlement card information confirmed through the information check unit) Account) the withdrawal of the calculated surrogate operation company settlement based on the deposit deposited in the account) and transfer to the real account of the surrogate operation company name.

Referring to FIG. 10, when the settlement processing server 1000 includes the wireless terminal information (or the cash receipt card information), the settlement processing server 1000 may register the business registration information or the agent of the proxy driving company. Issuing and processing an information confirmation unit (or information confirmation means) for confirming at least one or more business registration information of the driver, and a cash receipt corresponding to the business registration information of the confirmed surrogate operation company or the business registration information of the surrogate driver. Cash receipt issuing processing unit 1025 (or cash receipt issuing processing means) characterized in that comprises a.

The information checking unit, if the wireless terminal information (or cash receipt card information) is included in the surrogate operation payment settlement request information received through the information receiving unit 1010, the business registration information of the surrogate operation company, the surrogate driver Characterized in that at least one or more check the business registration information.

Here, the wireless terminal information preferably comprises a mobile phone number of the customer name for the customer using the surrogate operation service.

According to the method of the present invention, when receiving the wireless terminal information (or cash receipt card information) of the customer who has settled the cash in the received proxy operation payment request information, the virtual account (or real account) of the proxy driver's name When confirming the information, it is preferable to further check at least one or more business registration information of the proxy driver and the business registration information of the proxy driving company.

The cash receipt issuing processing unit 1025 is characterized in that issuing and processing a cash receipt corresponding to the business registration information or the business registration information of the surrogate operation driver of the confirmed agency operation company.

According to the implementation method of the present invention, the cash receipt issuing process is processed so that the cash receipt is issued a portion corresponding to the calculated surrogate operation company settlement information as the business registration information of the surrogate operation company, the calculation of the surrogate operation price It is preferable to process the remaining amount of money except the surrogate operation company settlement, so that the cash receipt is issued as the business registration information of the surrogate driver, respectively. The registration information (or the business registration information of the surrogate driver) may be processed so that a cash receipt for the entire surrogate operation fee is issued.

11 is a diagram illustrating an operation process of a surrogate operation payment settlement processing system for surrogate operation payment settlement processing according to an embodiment of the present invention.

In more detail, in Figure 11, a predetermined customer through a predetermined terminal for the surrogate operation payment settlement processing system surrogate operation payment settlement card information, surrogate operation payment information, the customer's wireless terminal information (or Operation of the system for processing the surrogate operation price in response to the surrogate operation price settlement request information provided by the surrogate operation price settlement processing system when providing surrogate operation price settlement request information including at least one cash receipt card information); As a process, one of ordinary skill in the art to which the present invention pertains, various implementations of the surrogate operation payment settlement processing system operation process for the surrogate operation payment settlement processing by referring to and / or modified with reference to FIG. It will be possible to infer a method, but the present invention is directed to all practice methods inferred. Also, and it shall not be limited to the exemplary method shown in the figure 11.

In FIG. 11, the card terminal 1035 illustrated in FIG. 10 is referred to as a “terminal” for convenience, and the settlement processing server 1000 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11, the terminal transmits proxy operation payment settlement request information through a communication network (1100), and correspondingly, the server receives proxy operation payment settlement request information from the terminal (1105).

According to the implementation method of the present invention, receiving the surrogate operation payment settlement card information, the surrogate operation payment information, the customer's wireless terminal information (or cash receipt card information) at least one or more, the card receiving, When reading the surrogate operation payment card issued to the surrogate driver driver through a card reader provided on the terminal 1035, and inputs (or selects) a target amount for the surrogate operation payment settlement, the read It is preferable to receive the surrogate operation price information card information and the surrogate operation price information.

Here, the card terminal 1035 is a card terminal 1035 provided with a card reader for payment of the surrogate operation carried by the surrogate driver, or a PDA (Personal Digital Assisant) possessed by the surrogate driver, It may be a separately produced terminal.

In addition, the card terminal 1035 preferably further comprises an unmanned financial terminal capable of using the proxy payment card settlement.

Thereafter, the server checks the surrogate operation payment settlement card information matched with the storage medium 1030 shown in FIG. 10 by using the surrogate operation payment settlement card information included in the received surrogate operation payment settlement request information ( 1110).

According to an exemplary embodiment of the present invention, the virtual account (or real account) information confirmation of the name of the substitute driver's driver may include information matching the proxy operation payment settlement card information included in the received replacement operation payment request information. After checking through 1030, it is preferable to check the virtual account (or real account) information of the proxy driver's name stored in association with the identified information.

According to another exemplary embodiment of the present invention, the confirmation of the virtual account (or real account) information of the proxy driver's name may be issued by recording in the proxy driving price settlement card when issuing the proxy driving payment settlement card. It is preferable to receive the information included in the proxy operation payment card.

If the information matching the surrogate operation payment card information is not stored in the storage medium 1030 (1115), the server generates (or extracts) the received surrogate operation payment card confirmation error information. After transmitting to the terminal (1120), the process ends.

On the other hand, if the information matching the surrogate operation payment card information is stored in the storage medium (1030) (1115), the server is stored in the virtual account name of the surrogate operation driver name associated with the confirmed surrogate operation payment card information ( Or real account) information (1125).

If the virtual account (or real account) information of the proxy driver's name is not confirmed (1130), the server generates (or extracts) virtual account (or real account) confirmation error information of the proxy driver's name and generates the terminal information. In step 1135, the process ends.

On the other hand, if the virtual account (or real account) information of the surrogate driver's name is confirmed (1130), the server calculates the surrogate operation company settlement for the received surrogate operation price (1140).

According to the implementation method of the present invention, when there is a settlement standard set by the surrogate driver and the surrogate operation company, the surrogate operation price settlement, it is preferable to calculate the surrogate operation company settlement according to the settlement standard, the settlement standard Is preferably stored in the storage medium 1030 or in a separate database.

For example, when the settlement standard is decided to receive 80% of the surrogate operation fee, the surrogate operation company settlement for the surrogate operation fee of 50,000 won is preferably calculated to be 40,000 won.

Further, when the settlement standard is decided to receive a certain amount (for example, 10,000 won) according to the number of surrogate operation, the surrogate operation company settlement amount for the surrogate operation fee is 50,0000 won, 10,000 It is preferable to calculate by a circle.

Thereafter, the server withdraws the calculated surrogate operation company settlement from the virtual account (or real account) of the confirmed surrogate driver's name (1145) and transfers it to the real account of the surrogate operation company's name (1150).

12 is a diagram illustrating an operation process of a surrogate operation payment settlement processing system for surrogate operation payment settlement processing according to another embodiment of the present invention.

In more detail, Figure 12 is a predetermined customer through a predetermined terminal for the surrogate operation price settlement processing system for surrogate operation payment settlement surrogate operation payment card information, surrogate operation payment information, customer's wireless terminal information (or Operation of the system for processing the surrogate operation price in response to the surrogate operation price settlement request information provided by the surrogate operation price settlement processing system when providing surrogate operation price settlement request information including at least one cash receipt card information); As for the process, those skilled in the art to which the present invention pertains, various implementation methods for the surrogate operation payment settlement processing system operation process for the surrogate operation payment settlement process by referring to and / or modified in this drawing 12 It will be possible to infer the present invention, but the present invention is a method for all inferred Also, and it shall not be limited to the exemplary method shown in the figure 12.

Hereinafter, in FIG. 12, the card terminal 1035 shown in FIG. 10 is referred to as a “terminal” for convenience, and the settlement processing server 1000 shown in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 12, the terminal transmits the surrogate operation payment settlement request information through the communication network (1200), and correspondingly, the server receives the surrogate operation payment settlement request information from the terminal (1205).

According to the implementation method of the present invention, receiving the surrogate operation payment settlement card information, the surrogate operation payment information, the customer's wireless terminal information (or cash receipt card information) at least one or more, the card receiving, When reading the surrogate operation payment card issued to the surrogate driver driver through a card reader provided on the terminal 1035, and inputs (or selects) a target amount for the surrogate operation payment settlement, the read It is preferable to receive the surrogate operation price information card information and the surrogate operation price information.

Here, the card terminal 1035 is a card terminal 1035 provided with a card reader for payment of the surrogate operation carried by the surrogate driver, or a PDA (Personal Digital Assisant) possessed by the surrogate driver, It may be a separately produced terminal.

In addition, the card terminal 1035 preferably further comprises an unmanned financial terminal capable of using the proxy payment card settlement.

Thereafter, the server checks the surrogate operation payment settlement card information matched with the storage medium 1030 shown in FIG. 10 by using the surrogate operation payment settlement card information included in the received surrogate operation payment settlement request information ( 1210).

According to an exemplary embodiment of the present invention, the virtual account (or real account) information confirmation of the name of the substitute driver's driver may include information matching the proxy operation payment settlement card information included in the received replacement operation payment request information. After checking through 1030, it is preferable to check the virtual account (or real account) information of the proxy driver's name stored in association with the identified information.

According to another exemplary embodiment of the present invention, the verification of the virtual account (or real account) information of the proxy driver's name may be issued by recording on the proxy driving price settlement card when issuing the proxy driving payment settlement card. It is desirable to receive the information contained in the driving payment card.

If the information matching the surrogate operation payment card information is not stored in the storage medium 1030 (1215), the server generates (or extracts) the received surrogate operation payment card confirmation error information. After transmitting to the terminal (1220), the process ends.

On the other hand, when information matching the proxy operation payment card information is stored in the storage medium (1030) (1215), the server is stored in association with the confirmed proxy operation payment card information of the surrogate operation driver name virtual account ( Or real account) information (1225).

Here, the wireless terminal information preferably comprises a mobile phone number of the customer name for the customer using the surrogate operation service.

According to the method of the present invention, when receiving the wireless terminal information (or cash receipt card information) of the customer who has settled the cash in the received proxy operation payment request information, the virtual account (or real account) of the proxy driver's name When confirming the information, it is preferable to further check at least one or more business registration information of the proxy driver and the business registration information of the proxy driving company.

If the virtual account (or real account) information of the proxy driver's name is not confirmed (1230), the server generates (or extracts) virtual account (or real account) confirmation error information of the proxy driver's name and generates (or extracts) the terminal. In step 1235, the process ends.

On the other hand, when the virtual account (or real account) information of the surrogate driver's name is confirmed (1230), the server calculates the surrogate operation company settlement for the received surrogate operation price (1240).

According to the implementation method of the present invention, if there is a settlement standard set by the surrogate driver and the surrogate operation company, the surrogate operation price settlement, it is preferable to calculate the surrogate driving company settlement according to the settlement standard, the settlement standard Is preferably stored in the storage medium 1030 or in a separate database.

For example, when the settlement standard is decided to receive 80% of the surrogate operation fee, the surrogate operation company settlement for the surrogate operation fee of 50,000 won is preferably calculated to be 40,000 won.

Further, when the settlement standard is decided to receive a certain amount (for example, 10,000 won) according to the number of surrogate operation, the surrogate operation company settlement amount for the surrogate operation fee is 50,0000 won, 10,000 It is preferable to calculate by a circle.

Thereafter, the server checks whether or not the wireless terminal information (or cash receipt card information) is included in the received proxy operation payment settlement information (1245).

If the received surrogate operation fee settlement request information includes wireless terminal information (or cash receipt card information) (1250), the server cashes the calculated surrogate operation company settlement information as a surrogate operation company business registration information. The receipt is issued and processed (1255), and the cash receipt is processed and processed as the surrogate driver's business registration number of the surrogate driving company settlement amount out of the surrogate operation price (1260).

According to the implementation method of the present invention, the cash receipt issuing process is processed so that the cash receipt is issued a portion corresponding to the calculated surrogate operation company settlement information as the business registration information of the surrogate operation company, the calculation of the surrogate operation price It is preferable to process the remaining amount of money except the surrogate operation company settlement, so that the cash receipt is issued as the business registration information of the surrogate driver, respectively. The registration information (or the business registration information of the surrogate driver) may be processed so that a cash receipt for the entire surrogate operation fee is issued.

Those skilled in the art to which the present invention pertains will clearly understand the technical features of the cash receipt issuing processing method and process, and thus the detailed description thereof will be omitted for convenience.

Thereafter, the server withdraws the calculated surrogate operation company settlement payment from the virtual account (or real account) of the confirmed surrogate driver's name (1265) and transfers it to the real account of the surrogate driving company name (1270).

According to the present invention, when the surrogate operation payment, the surrogate operation for the customer using the surrogate operation service, there is an advantage that the cash receipt can be issued.

According to the present invention, the surrogate operation payment settlement problem caused by the surrogate operation service customer paying cash, there is an advantage that can be solved.

According to the present invention, since a person does not have to directly settle for a surrogate operation, there is an advantage of resolving an error that may occur during a settlement process of a surrogate operation company and a surrogate driver or a settlement process in a surrogate operation company. There is this.

Claims (4)

Establish a virtual account under the name of the substitute driver who has a real account under the name of the substitute driver, or link the real account under the name of the substitute driver with the real account under the name of the substitute driver, Processing to deposit a surrogate operation payment settlement deposit in an account (or a real account); Issuing a surrogate operation payment card associated with a virtual account (or a real account) in the name of the surrogate driver; Receiving the surrogate operation price payment card information and surrogate operation price information from the card terminal when the cash payment of the surrogate operation price; Withdrawal of the surrogate operation company settlement of the surrogate operation price from the surrogate operation payment settlement deposit deposited in the virtual account (or real account) of the surrogate driver's name associated with the surrogate operation payment settlement card; Transfer processing to a real account; Method of settlement cash surrogate operation comprising a. The method of claim 1, Receiving wireless terminal information (or cash receipt card information) of a customer who cashed the proxy driving price from the card terminal; Confirming the business registration information of the surrogate operation company or the business registration information of the surrogate driver; When the verification result confirms only the business registration information of the surrogate operation company, through the wireless terminal information (or cash receipt card information) to process the cash receipt of the surrogate operation fee for the surrogate operation company to the surrogate operation company, When checking the business registration information of the business operator registration information and the surrogate driver, the surrogate operation company from the surrogate operation payment cash receipts and the surrogate operation price of the surrogate operation company payment of the surrogate operation fee through the wireless terminal information (or cash receipt card information) And processing the cash receipt for the surrogate driver's settlement, which has been deducted from the settlement amount. 2. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Issuing a card to issue a virtual account in the name of a surrogate driver's name or a surrogate operation settlement card linked to a real account in the name of a surrogate driver's name linked to a surrogate driver's name in a surrogate driver's name Way; Information receiving means for receiving the surrogate operation price settlement card information and the surrogate operation price information from a card terminal at the time of cash settlement of the surrogate operation price; Withdrawal of the surrogate operation company settlement of the surrogate operation payment from the surrogate operation payment settlement deposit deposited in the virtual account (or real account) of the surrogate operation driver name associated with the surrogate operation payment settlement card; Information processing means for transferring the transfer to the account; Surrogate operation cash payment settlement system characterized in that it comprises a wool.

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