KR20100099784A - System and method for managing exchange traffic card with check card application and recording medium - Google Patents

Abstract

PURPOSE: A method for operating exchange transportation card having a check card function and a recording medium for the same are provided to give a check card function into an exchange traffic card, thereby a user can posses the transportation card and the check card all together without possessing a separate card. CONSTITUTION: An account opening unit opens a payment account based on passport information of a foreigner. A card issuing unit exchanges foreign currency which a foreigner provides into Korean Won unit according to exchange rate. The card issuing unit deposits the exchange foreign currency to a providing payment account. An information storage unit(2335) stores information about deposit cost, information about date and time for scheduled departure of foreigner and information about discount when paying the cost by a card by relating the three information. A calculation processing unit(2340) calculates discounted calculation money. The calculation processing means deposits the discounted calculation money.

Description

System and method for managing exchange traffic card with check card application and recording medium}

1 is a diagram illustrating an online account registration system for processing a payment request through a check card function of a foreign exchange card provided in a foreign exchange card according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating an online account registration system for processing a payment request through a check card function provided in a foreign currency exchange card according to an embodiment of the present invention.

11 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

12 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

13 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

15 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

16 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

17 is a diagram illustrating a real name verification process for an online account according to one embodiment of the present invention.

18 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

19 is a view showing a foreign exchange exchange card card issuing system for foreigners according to an embodiment of the present invention.

20 is a diagram illustrating a foreign exchange exchange card card issuing process that is charged (or sold) through foreign currency according to an embodiment of the present invention.

21 is a view showing a foreign exchange exchange card card issuing system for foreigners according to another embodiment of the present invention.

FIG. 22 is a diagram illustrating a foreign currency exchange transportation card issuing process which is charged (or sold) through foreign currency according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating an offline-based card payment system configuration through an exchange traffic card according to an embodiment of the present invention.

24 is a diagram illustrating an offline payment approval process through an exchange traffic card according to an embodiment of the present invention.

25 is a diagram illustrating an offline payment approval process through a currency exchange card according to another embodiment of the present invention.

26 is a view showing a foreign exchange exchange card management system according to the embodiment of the present invention.

FIG. 27 is a diagram illustrating a process of exchanging and refunding a balance of a foreign exchange exchange transportation card according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a process of exchanging and refunding a balance of a foreign currency exchange transportation card according to another embodiment of the present invention.

29 is a diagram illustrating a process of exchanging and refunding a balance of a foreign exchange money exchange traffic card according to another embodiment of the present invention.

30 is a diagram illustrating a process of exchanging and refunding a balance of a foreign exchange money exchange traffic card according to another embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: information processing unit 145: new account processing unit

150: real name verification unit 155: Ga Shin-gyu management unit

160: virtual account processing unit 165: Ga Shin-gyu establishment

170: information receiving unit 175: customer terminal

The present invention is to charge a foreign currency, and when issuing a foreign exchange exchange card with a check card payment function, opening a payment account based on the passport information (or immigration vehicle ticket information) of the foreigner, and Foreign currency provided by a foreigner is exchanged in the unit of won according to the exchange rate and deposited in the payment settlement account, and information on the date and time of departure of the foreigner on the IC chip provided in the exchange transportation card and public transportation available before the departure date and time Recording discount information and card payment discount information, and including the payment account information, passport information (or immigration vehicle ticket information), currency exchange transportation card information, foreign currency identification information of the foreign currency exchanged, and the payment account; The deposit amount information, the date and time of departure of the foreigner and the date and time before the departure date and time The discount settlement amount for each discount provider for the card payment through the exchange transportation card in connection with the storage medium when storing the payment information and the card payment discount information in connection with the storage medium and the payment for the card payment; And calculating a discount settlement amount for each of the discount providers provided to the exchange transit card operating real account from the discount settlement account of the discount provider. It is about.

Due to the development of modern society, foreigners in addition to Koreans come to Korea, and foreigners who visit are using cash payment methods or T-Money transportation cards that can be purchased in Korea.

In addition, T-Money transportation card, which can be used more conveniently than cash payment, is purchased with a certain amount of balance at the time of the first purchase, and even if a large amount is charged at the time of departure, foreigners must leave with it. Difficult problems arise.

In addition, in the case of providing only a simple transportation card function, the foreigner's point of view is that the inconvenience of having to carry his or her credit card (or check card) and transportation card together.

An object of the present invention for solving the above problems, when issuing a foreign exchange-exchange transportation card, which is charged through foreign currency, and has a check card payment function, payment based on the passport information (or immigration vehicle ticket information) of the foreigner Account opening means for opening a payment account, the foreign currency provided by the foreigner according to the exchange rate in the unit of won and deposited in the payment account, the IC chip provided on the exchange card, the date and time of departure of the foreigner A card issuing means for recording public transportation discount information and card payment discount information available before the scheduled departure date, the payment account information and passport information (or immigration vehicle ticket information), currency exchange card information, and currency exchange Foreign currency identification information of the foreign currency, the amount of money deposited in the payment account, and the departure example of the foreigner Information storage means for storing the date and time information and public transportation discount information available before the departure date and the card payment discount information stored in the storage medium and when the payment for the card payment, the exchange transportation card in connection with the storage medium The settlement processing for calculating a discount settlement amount for each discount provider for card payment through the deposit, and depositing the calculated discount settlement amount for each discount provider from the discount settlement account of the discount provider to the real money exchange exchange card operating account. The present invention provides a currency exchange transportation card operation system having a check card function including means.

The foreign exchange transportation card operating method having a check card function according to the present invention is charged through foreign currency, and when issuing a foreign exchange exchange card with a check card payment function, the passport information of the foreigner (or immigration vehicle ticket information) Opening a payment account, and converting the foreign currency provided by the foreigner into a unit of won according to an exchange rate and depositing it in the payment account, and leaving the foreigner on the IC chip provided in the currency exchange card. Recording scheduled date information, public transportation discount information and card payment discount information available before the scheduled departure date, the payment account information and passport information (or immigration vehicle ticket information), currency exchange card information, and the like. Foreign currency identification information of the foreign currency exchanged, information on the amount of the deposit deposited in the payment account, and the departure example of the foreigner Storing the information on public transportation discount information and card payment discount information available until the date and time of departure, and storing the information on the storage medium and when the payment is made for the card payment, through the exchange transportation card in connection with the storage medium. Calculating a discount settlement amount for each discount provider for card payment, and depositing the calculated discount settlement amount for each discount provider from the discount settlement account of the discount provider to the real money exchange exchange card operating account; Characterized in that made.

According to the present invention, there is provided a method of operating a currency exchange card with a check card function, further comprising recording the passport information (or immigration ticket information) of the foreigner for a tax free discount on an IC chip provided in the currency exchange card. It is characterized by comprising.

The method for operating a currency exchange card with a check card function according to the present invention is characterized in that it further comprises the step of processing the settlement amount of the card payment corresponding to the card payment through the currency exchange card to the payment merchant.

In accordance with an embodiment of the present invention, there is provided a method of operating a currency exchange card having a check card function. The method includes: checking whether the scheduled departure date has elapsed in association with the storage medium; Confirming the request for refund of the remaining exchange traffic card balance through a refund destination point-an airport point, a port point, or a foreign entry rate more than a predetermined rate; and through the point before the scheduled departure date elapses; Upon confirmation of the request for refund of the balance of the exchange transportation card, the exchange unit balance of the payment settlement account is exchanged to the exchange rate in the unit of foreign currency according to the exchange rate through the exchange transportation card information confirmed from the storage medium, and the exchange fee for the exchange Checking and the refund amount less than the exchange fee from the exchange amount is less than '0' If large, characterized in that it comprises the step of approving the payment for the refund amount through the point requesting the refund.

In a method of operating a currency exchange card with a check card function according to the present invention, the payment account is an online account (OA).

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the method of operating the exchange card with the check card function described above.

Meanwhile, the foreign exchange transportation card operating system having a check card function according to the present invention is charged through foreign currency, and when issuing a foreign exchange exchange card with a check card payment function, passport information of the foreigner (or immigration means of transportation) The account opening means for opening a payment account based on the ticket information), and converting the foreign currency provided by the foreigner into the unit of payment according to the exchange rate into the payment settlement account and depositing it in the IC chip provided in the exchange transportation card. A card issuing means for recording the departure date and time information of the foreigner, the public transportation discount information and the card payment discount information available before the departure date, the payment account information and passport information (or immigration vehicle ticket information); Exchange card information, foreign currency identification information for the exchanged foreign currency, and the amount of the deposit deposited in the payment account And information storage means for storing the foreigner's scheduled departure date information, the public transportation discount information available before the departure date and the card payment discount information, and storing the information on the storage medium and the payment for the card payment. Calculate a discount settlement amount for each discount provider for the card payment through the exchange card, and calculate the discount provider for the calculated discount provider from the discount settlement account of the discount provider to the real account for the exchange card. It characterized in that it comprises a settlement processing means for depositing the amount of money.

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

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

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

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

1 is a diagram illustrating an online account registration system for processing a payment request through a check card function of a foreign exchange card provided by a foreigner according to an embodiment of the present invention.

In more detail, FIG. 1 shows an online account for processing a payment request through a check card function of a foreign exchange card provided by a foreign exchange card from a predetermined customer terminal 175 to a predetermined web server 100 through a predetermined network means ( When the online account application information is provided to open an online account, the web server 100 receives the online account application information provided from the customer terminal 175 at a predetermined information processing server 140 provided at a predetermined financial institution. In this regard, the system is configured to open an online account corresponding to the online account application information in the information processing server 140, and specifically, a real account for operating the online account in a predetermined currency exchange card operating real account. A system configuration for opening an online account in the form of a virtual account having a parent account.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 1 and foreigners other than the online account in the form of a virtual account whose parent account is the real account operated by the exchange card. Although it is possible to infer an implementation method for a system for registering various types of online accounts for processing a payment request through a check card function provided in a currency exchange card, the present invention includes all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering an online account in the form of a pseudo-new account which introduces the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account whose real account is operated by the real exchange money card operating account is based on a predetermined network means. Real-name verification (e.g., financial real-name verification by law and co-decree (Presidential Decree No. 15744) on real-name transactions and financial security) by accessing a predetermined web server 100 (e.g., a portal server). The foreigner requests an online account registration (or opening) for the processing of a payment request through a check card function provided in a foreign exchange transportation card, and provides predetermined online account application information corresponding to the online account registration (or opening). The customer terminal 175 provided to the web server 100 and the customer terminal 175 is connected to a predetermined network means from the customer terminal 175 A web server 100 for receiving a definition of online account application information and providing the received online account application information to an information processing server 140 provided at a predetermined financial institution; and predetermined communication with the web server 100. Connected via a means to receive the online account application information from the web server 100, and process the online account corresponding to the online account application information in the customer's name based on the received online account application information as a pseudonym. It is provided with an information processing server 140 to open a bank, and a financial system for operating the online account processed by the new provisions.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interface through the common network (eg, CD common network, financial common network), characterized in that the financial system is interfacing between components in the financial system Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) And a DBMS (Database Management System) including at least one database for storing and managing the financial data. The financial account is provided by the financial account in relation to financial real name transactions and confidentiality. To real name financial account corresponding to law and simultaneous decree (Presidential Decree 15744) If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art 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. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution includes at least one or more teller terminals provided in branches (and / or branch offices) of the financial institution and a predetermined financial network (for example, a branch network). It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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 A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

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) and / or a wireless data communication network based on DataTAC / Mobitex. 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). do.

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 services.

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 or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

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 non-face-to-face financial transaction services to at least one financial transaction customer.

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 non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined online account through an online channel may use the at least one customer terminal 175 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the web server 100, and receives a variety of application services provided by the web server 100.

Here, the wired terminal connected to the wired communication network among the customer terminals 175 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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 the IEEE 802.16x-based portable 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 data. It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

The web server 100 is a search service including at least one information / content to a customer terminal 175 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 175 is sold to (or requested to open) the at least one customer online by the financial institution. Characterized in that it comprises a financial product information, the financial product information is an online account product information for the customer to register the online account for payment request processing through the check card function provided to the foreign exchange exchange card Characterized in that it comprises at least one or more.

In addition, the web server 100 processes the payment request by the customer through the network means including the wired communication network and / or wireless communication network through the check card function provided in the financial product (for example, the foreign exchange exchange card) At least one user interface for applying for (or purchasing) an online account) to the customer terminal 175, wherein the customer terminal 175 exchanges foreign currency through the user interface. Input (or select) predetermined online account application information for processing a payment request through a check card function provided in a card and transmit it to the web server 100 through a network means including the wired communication network and / or a wireless communication network. Characterized in that.

To this end, the client terminal 175 outputs at least one user interface provided from the web server 100, inputs and / or selects at least one online account application information through the user interface, and then selects the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the customer terminal 175 corresponding to at least one or more wired terminals and / or wireless terminals that are selected and transmitted to the web server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to the method of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 175 through the network means.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 175 and connecting a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 is connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 175 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 175 and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. Do.

For example, when the client terminal 175 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 105 is based on the CDMA protocol. 175 and a communication channel, and a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information transmission and reception using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, the web server 100 is connected to the web server 100 through a predetermined client terminal 175 through the interface unit 105 and / or to apply for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 175 to input (or select) and transmit predetermined online account application information. A predetermined online account for inputting (or selecting) the interface providing unit 110 provided to the customer terminal 175 and the user terminal 175 through the user interface in cooperation with the interface unit 105. And an information relay unit 130 for receiving the application information and an information relay unit 130 for providing the received online account application information to an information processing server 140 provided at a financial institution through a predetermined communication means. And that is characterized.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 175, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 to provide the web-based service to at least one customer terminal 175 to perform the functions of the portal server and / or search server Since you will be familiar with the method, a detailed description thereof will be omitted.

In addition, the web server 100 is applied for the online account received from the customer terminal 175 through the information receiving unit 120 for the post-management of the online account application information received through the information receiving unit 120. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 140 based on the online account application information in a predetermined storage medium 135. Characterized in that it further comprises a storage unit 125, wherein the online account issuing information is the online account security information received from the customer terminal 175, the new provision processing agreement information (or new application information), virtual At least one or more account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable.

The interface providing unit 110 has a function provided to the customer terminal 175 when a predetermined customer terminal 175 accesses the web server 100 through the interface unit 105 and / or applies for an online account. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting and providing the user interface generated by the interface (105) from the web source D / B (not shown) to the customer terminal 175 through the network means. It is done.

Thereafter, the client terminal 175 inputs (or selects) the online account application information based on the user interface, and inputs the input (or selected) online account application information through the network means to the web server 100. To send).

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is preferable to provide the user interface (175) extracted from the customer terminal (175).

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 105. It is preferable to provide the user interface extracted from the) to the customer terminal 175.

According to an embodiment of the present invention, the user interface for receiving (or selecting) predetermined online account application information from the client terminal 175 in the web server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 175, and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And an interface for outputting the online account product detailed information such as expected return information to the customer terminal 175 and confirming that the customer has confirmed the online account product detailed information.

In addition, the user interface for inputting (or selecting) the online account application information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 175, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 175 includes online account product selection information for selecting at least one or more online account products that the customer applies (or purchases) from among the plurality of online account products through the user interface, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Send to 100.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. It is preferable to further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 175 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisions of the provisions (e.g., the period in which the on-line account is processed as a provisional provision before the verification of the financial real name of the online account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include a real account for operating an online account corresponding to the online account application information in the real exchange money card operating account. In order to open a virtual account in the form of a parent account management information including at least one or more of the real money exchange operation card operating account and the virtual account processing information including the parent account information corresponding to the real account operated by the mother account operating institution It is preferable to further comprise an interface for inputting (or selecting).

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 175) an interface for outputting financial transaction application terms and conditions information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are a financial transaction customer of a financial institution, the above interface may be omitted. Said, or but may be included in the interface, non-face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) is specified for one of ordinary skill in the art according to the intention.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the inputted (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), a user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 175. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel Outputs non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

When the customer terminal 175 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. It is preferable that the information and at least one or more of the online account deposit amount information.

In addition, the customer terminal 175 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the customer terminal 175 transmits the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined provisional processing agreement information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 175 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional new processing consent information (or provisional application information) to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 175 In this case, the virtual account processing information is included in the online account application information and transmitted, and the information receiving unit 120 interoperates with the interface unit 105 to perform virtual account processing information including the mother account management institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 175. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 175, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or. Or to the information storage unit 125.

The information storage unit 125 may include the online account application information received through the information receiving unit 120 in an online account issuance information and store the information in a predetermined storage medium 135. The server 100 (or the web server 100 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135. do.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information obtained by linking the online account security information to the online account application information. And the online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuing information linked to the information) in the storage medium 135, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 135, the virtual account processing information is the financial real name of the online account in the web server 100 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on a virtual account which is the parent account of the real account operated by the exchange card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 135, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored on the web. The server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125, when the predetermined online account corresponding to the online account application information is opened by the information processing server 140, the web server 100 (or the A storage medium further including the online account information opened by the information processing server 140 in order to process at least one financial transaction using the online account in the online account issuing information. It is preferable to replace the online account application information stored in the 135 or included in the online account issuing information with the online account information opened by the information processing server 140, and thus the present invention is not limited thereto. .

Here, the online account information is included in the online account number in the form of a virtual account number generated by the provisional opening unit 165 and the virtual account processing unit 160 of the information processing server 140 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server operating institution information and the financial institution information that the online account is opened.

The information relay unit 130 stores the online account application information received through the information receiving unit 170 through a predetermined communication means corresponding to the online account product (eg, an online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 140 provided in the financial institution (opened).

Here, the communication means for connecting the web server 100 and the information processing server 140, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 140, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 140 (eg, the web server 100 encrypts the online account application information by a predetermined encryption method to the information processing server 140). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 140.

When the online account security information is received through the information receiving unit 170, the information relay unit 130 corresponds to the online account product through the predetermined communication means (e.g., the online account security information). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), thereby transmitting the information processing server 140 to the financial system provided in the financial institution The web server 100 opens an online account that can process financial transactions through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 170, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 140 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 140 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 170, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 is the customer of the online account application is Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in a form capable of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 170, the information relay unit 130 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 140 provided in the financial institution corresponding to the product (eg, the online account corresponding to the online account is opened). An online account corresponding to the online account application information is set up in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the real exchange account operating at the exchange card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 170, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 140 provided in the financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). Accordingly, the information processing server 140 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the web server 100 processes the financial transaction using the online account.

According to another exemplary embodiment of the present invention, when the information processing server 140 is equipped with a web server 100 function and / or the information processing server 140 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 175 and the information processing server 140 so that the online processing request information (and / or a provisional rule) is received from the customer terminal 175 at the information processing server 140. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 140 is connected to the on-line from the customer terminal 175 via a predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) It is possible to directly receive transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 140 is the online account application information (and / or false information processing agreement information (or false information request information)) provided from the web server 100 via the communication means, and Information receiver 170 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And a new provision opening unit 165 for opening a new online account corresponding to the online account application information received through the information receiving unit 170 in association with a predetermined financial system, and the online established with the new provision. The virtual account processing unit 160 for processing an account in the form of a virtual account using a real account operated by the exchange account card operating real account, and the online account of the virtual account type, the online account Whether the real name of the financial transaction application customer for the online account opened in correspondence with the online account application information and the real name of the financial transaction application customer that is managed before the real name verification for the customer is confirmed within a predetermined real name verification period; When the real name of the real name confirmation unit 150 to confirm and the online account opened as a new provision corresponding to the online account application information is confirmed, a new account for processing the online account opened as the new provision as a new financial account It is characterized by comprising a processing unit 145.

The information receiving unit 170 may provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 100 through the communication means. , And / or receive financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreements). Information (or non-face-to-face financial transaction application information) is provided to the provisional section 165.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or finance provided from the web server 100 according to one embodiment of the invention) When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 170 may transmit the encrypted online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)).

The new provision establishment unit 165 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online from the web server 100 through the information receiving unit 170. If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or It is characterized by opening an online account application information corresponding to financial transactions and / or virtual account management information, and / or non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information)), as the trail rules.

Here, the new provision establishment unit 165 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, the non-real name financial account Financial transactions are a violation of the above laws.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 165 may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 100, and / or the online account security information. And / or external systems provided to the financial system on the basis of financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Alternatively, a procedure (eg, a procedure for registering a predetermined online account ledger) for opening the online account in association with the information system is performed, and the result is provided to the virtual account processor 160.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 160 processes the online account (or online account ledger) opened by the temporary opening unit 165 as a virtual account using a real account operated by the exchange account card operating real account as a parent account. Characterized in that.

According to an embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the exchange account card operating real account as the parent account includes the conventional virtual account ledger information. Rather, it includes real account ledger information (eg, ledger information including an account number conforming to an account number system corresponding to a real account) that can be processed as a new account in the form of a real account when the financial real name of the online account is confirmed. Preferably, it is preferable that the payment is made in the form of a virtual account whose real account is operated in the real money account operated by the currency exchange card before the real name verification of the online account.

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account whose real account is operated in the real exchange money card operating real account is the real money account in the real money exchange money card operating account. Virtual account ledger information (eg, ledger information including an account number conforming to a virtual account number system) may be included as a parent account, and in this case, when the financial real name of the online account is confirmed, the virtual account It is possible to convert (or replace) ledger information into real account ledger information (eg, ledger information including account numbers that follow an account numbering system corresponding to a real account), thereby limiting the present invention.

Thereafter, the new provision management unit 155 processes the online account opened as the new provision to be a virtual account that operates as a parent account in the real account operated by the currency exchange transportation card operation real account until the real name confirmation for the online account application customer. It is characterized by operating.

According to an embodiment of the present invention, the provisional management unit 155 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 155 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest is calculated for the amount deposited in the online account through the financial system, the new management unit 155 uses the real account for operating the interest in the real money account of the exchange card. Characterized in that the interest is processed in the online account of the virtual account form.

As described above, by processing the online account as a virtual account that uses the real account operated by the real money exchange account operating in the exchange account, the new management unit 155 is in the financial real name transaction and confidentiality until the online account is verified real name. To prevent violations of related laws and concurrent decrees (Presidential Decree No. 15744).

The real name verification unit 150 is the law and the concurrent law on the financial real name transaction and confidentiality while the online account opened by the new provision opening unit 165 is managed by the new provision management unit 155 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name checking unit 150 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 150 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 150 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (for example, when the financial institution has executed a real name verification procedure for the online account application customer), the real name verification unit 150 may be a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 150 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 150 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 150 checks the real name for the online account application customer within a predetermined real name verification period, the online Account terminal-based financial transactions corresponding to the financial institution, and / or financial terminal-based financial transactions including CD / ATM, and / or internet banking-based financial transactions, and / or wireless banking-based financial transactions, And / or perform a real name verification procedure for an online account with the online account application customer in connection with the financial transaction system during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction. It is advisable to ask.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 150 generates real name verification information of the online account application customer and provides the new account processing unit 145 to the new account processor 145. do.

Alternatively, when the real name of the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 150 generates unidentified name information of the online account request customer to generate the new account processor 145. To provide.

When real name verification information is provided from the real name verification unit 150 including the real name confirmation of the online account request customer within the real name verification period, the new account processing unit 145 is connected with the financial system. The online account processed as a new provision by the provisional opening unit 165 and / or provisional management unit 155 may be treated as a valid new financial account.

According to the embodiment of the present invention, when the real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 145 Is valid for all financial transactions on the online account processed by the new provision opening unit 165 and / or the new provision management unit 155 as a new provision in connection with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 145 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 145 repatriates (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account provided with the withdrawal prevention function by the account, the new account processing unit 145 may be an external system provided in the financial system and / or Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 145 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 170 may set the online account opening date to the web server 100. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or a date when the temporary opening unit 165 opens the online account on the financial system. It is desirable to apply retrospectively as of the date.

2 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

In more detail, Figure 2 is a virtual account of the real account of the exchange account card operating real account in the ledger information stored in the predetermined ledger D / B (200) provided in the DBMS on the financial system shown in Figure 1 The account ledger stores the online account ledger information according to the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing of the ledger D. It is possible to infer various information configuration methods for storing online ledger information according to the virtual account ledger information in a virtual account ledger having a real account of the currency exchange transportation card operating real account in / B, but the present invention is It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

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

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the online account registration system shown in Figure 1, the customer ledger for the online account registration of the virtual account form associated with the parent account which is the real account of the exchange card operation real account, Store the exchange account card real account customer ledger information using the currency exchange card operation real account as a financial transaction customer, and through the online account registration system shown in Figure 1 as the real account of the exchange card It is preferable to store the online account customer ledger information registered in the online account of the virtual account type associated with the parent account.

Here, the exchange account card real account customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer opening the online account is a conventional financial transaction customer of the financial institution. As the customer ledger of the customer who opens the online account in the ledger D / B 200, it is preferable that the online account customer ledger uses the customer ledger of the customer as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the real exchange money card operating account is linked to the customer ledger of the real money exchange money card operating account, and the financial account of the real money exchange money card operating account. At least one of the financial accounts is preferably corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the real currency exchange card operation real account is connected in relation to the ledger of the virtual account. It is desirable to be.

The virtual account ledger may include an account ledger corresponding to a parent account of a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 1 of at least one financial account corresponding to the real currency exchange card operation real account. The virtual account ledger information is characterized in that it comprises an information structure further comprises the mother account number and the mother account management institution information in the basic account ledger information, such as the account ledger.

That is, as shown in FIG. 2, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic account ledger information configuration of the virtual account ledger information associated with the account ledger of the real money exchange card operation operating account, and the configuration of the virtual account ledger information Since it will be possible to infer the configuration of the online ledger information that follows, the detailed description thereof will be omitted for convenience.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, Figure 3 is a currency exchange card through a predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B (200) provided in the DBMS on the financial system shown in Figure 1 FIG. 3 illustrates an information structure for linking a real account of an operating real account to a virtual account having a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. It is possible to infer various information formation methods for linking a predetermined online account ledger to a D / B through a predetermined virtual account processing information in the form of a virtual account of a real account of the currency exchange transportation card operation real account. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger D / D provided in the DBMS on the financial system B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. do.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to the implementation method of the present invention, the customer ledger for the online account registration in the form of a virtual account linked to the mother account as the real account of the currency exchange transportation card operating account through the online account registration system shown in FIG. And store the exchange account card real account customer ledger information using the exchange account card real account as a financial transaction customer and transfer the real account information of the exchange card card real account through the online account registration system shown in FIG. It is preferable to store the online account customer ledger information registered in the online account of the virtual account type associated with the parent account.

Here, the exchange account card real account customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer opening the online account is a conventional financial transaction customer of the financial institution. As the customer ledger of the customer who opens the online account in the ledger D / B 200, it is preferable that the online account customer ledger uses the customer ledger of the customer as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, Bank account balance, bank account number, current interest, time extension, time extension amount, ARS establishment, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest , The final payment transaction number, the individual interest rate reference, and the final interest calculation date, etc., and include the account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information including at least one, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date and the number of shares, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the real exchange money card operating account is linked to the customer ledger of the real money exchange money card operating account, and the financial account of the real money exchange money card operating account. At least one of the financial account is preferably corresponding to the parent account for processing the online account registered through the online account registration system shown in Figure 1 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the real currency exchange card operation real account is processed online with the virtual account. It is desirable to be linked to the ledger.

The online ledger includes the same basic ledger information as the account ledger, and corresponds to a mother account for processing the online account as a virtual account among the online account number and the financial account of the real money exchange operation card. The online account is exchanged using the exchange account card by real-time account information by including at least one mother account number and at least one or more information including the mother account management institution information (for example, exchange account card operating account information). Characterized in that the processing of a virtual account as a parent account of the virtual account, wherein the virtual account processing information is the online account application information and the virtual account received from the customer terminal 175 on the online account registration system shown in FIG. It is desirable to match the processing information.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The mother account number of the virtual account processing information includes an account number of a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the real currency exchange card operation real account name. It is preferable.

It is preferable that the mother account operating institution information of the virtual account processing information includes the currency exchange transportation card operation real account information corresponding to the account holder of the real account corresponding to the mother account number.

In the technical field to which the present invention pertains, the online account ledger information structure is linked to the account ledger of the real money exchange money card operating account through the virtual account processing information based on the account ledger information structure. Since it may be inferred, a detailed description thereof will be omitted for convenience.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 4 shows a predetermined virtual account as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B 200 provided in a DBMS on the financial system shown in FIG. Information processing for linking the real account of the currency exchange card operating real account through the processing information in the form of a virtual account as a parent account, and further linking and processing the new bank information for the processing of a predetermined new account in the online account ledger. As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 to add a predetermined online account ledger to the ledger D / B through predetermined virtual account processing information. It is possible to infer various ways of organizing information to be processed as a new account by linking the real account of the exchange account with the real account of the real account. I, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 4.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) who processes at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the online account registration system shown in Figure 1, the customer ledger for the online account registration of the virtual account form associated with the parent account which is the real account of the exchange card operation real account, Store the exchange account card real account customer ledger information using the currency exchange card operation real account as a financial transaction customer, and through the online account registration system shown in Figure 1 as the real account of the exchange card It is preferable to store the online account customer ledger information registered in the online account of the virtual account type associated with the parent account.

Here, the exchange account card real account customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer opening the online account is a conventional financial transaction customer of the financial institution. As the customer ledger of the customer who opens the online account in the ledger D / B 200, it is preferable that the online account customer ledger uses the customer ledger of the customer as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the Account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes one or more.

According to an embodiment of the present invention, at least one financial account corresponding to the real exchange money card operating account is linked to the customer ledger of the real money exchange money card operating account, and the financial account of the real money exchange money card operating account. At least one of the financial account is preferably corresponding to the parent account for processing the online account registered through the online account registration system shown in Figure 1 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the real currency exchange card operation real account is an online account processed with the virtual account. It is desirable to be associated with the ledger.

The online ledger includes the same basic ledger information as the account ledger, and corresponds to a mother account for processing the online account as a virtual account among the online account number and the financial account of the real money exchange operation card. The online account may be exchanged by including the virtual account processing information including at least one mother account number and at least one information on the parent account operating institution (for example, currency exchange card operation real account information). Characterized in that the financial account of the account is processed as a virtual account, the virtual account, wherein the virtual account processing information is the online account application information received from the customer terminal 175 on the online account registration system shown in FIG. It is desirable to match the account processing information.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The mother account number of the virtual account processing information includes an account number of a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the real currency exchange card operation real account name. It is preferable.

It is preferable that the mother account operating institution information of the virtual account processing information includes the currency exchange transportation card operation real account information corresponding to the account holder of the real account corresponding to the mother account number.

In the technical field to which the present invention pertains, the online account ledger information structure is linked to the account ledger of the real money exchange money card operating account through the virtual account processing information based on the account ledger information structure. Since it may be inferred, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system, and the online account Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is linked and stored as additional information corresponding to the online account ledger, and the new provision processing information is received online from the customer terminal 175 on the online account registration system shown in FIG. It is preferably generated based on the account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 1, the provisional processing agreement information (or the provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (200), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When this deposit is made, as the amount information deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined online account request user interface to the customer terminal 175, the user account 175 provides the online account request user interface. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process of providing to the information processing server 140 provided in the financial institution, if those of ordinary skill in the art to which the present invention belongs, the customer terminal (175) by referring to and / or modified with reference to FIG. However, various implementation methods of providing the online account application information to the information processing server 140 through the web server 100 may be inferred. It includes all the additional implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, the customer terminal 175, in addition to the online account application information, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 175, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, / Or virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is encrypted and transmitted, and the information processing server 140 transmits the online account application information (and / or false transaction processing information (or temporary application information)). And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 5, the customer terminal 175 shown in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505). At this time, the web server 100 is provided to the online terminal product according to the present invention to the web-based service provided to the customer terminal (175). While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is subscribed online from the customer terminal 175 to the online account product. Periodically checks if a predetermined online account request user interface is requested for the financial product request interface from the client terminal 175 (515), and the web server 100 checks the client terminal. Generate a predetermined online account application user interface to be provided to 175 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (530), and the online account application information is applied (or purchased) by the customer. At least one online account product selection information for selecting at least one online account product, at least one agreement information corresponding to the online account product, the online account deposit amount information, and customer information for the customer applying for the online account; It is preferable to make it.

When the online account application information is input (or selected) as described above, the customer terminal 175 transmits the online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer has It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may include a real account for operating an online account corresponding to the online account application information in the real money exchange exchange card operating account. In order to open a virtual account form as a parent account, the virtual account processing information includes information on a parent account operating institution including at least one real currency exchange card operating real account and a mother account information corresponding to a real account operated by the mother account operating institution. It is preferable to include an interface for inputting (or selecting).

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 175 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face-to-face financial terms and conditions information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (545), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (550).

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 175, the user account 175 provides the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decrypt the online account application information by the web server 100 The process of providing the online account application information to the information processing server 140 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the client terminal 175 to the information processing server 140 through the web server 100. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, the customer terminal 175, in addition to the online account application information, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 175, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and And / or a method of providing virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is encrypted and transmitted, and the information processing server 140 receives the online account application information (and / or false transaction processing information (or false application information). And / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 6, the customer terminal 175 shown in FIG. 1 connects to the web server 100 via a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605). At this time, the web server 100 provides the web-based service provided to the customer terminal 175 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 175. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the customer terminal (175) (615), the web server 100 is a predetermined security function Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the online account application user interface to the terminal through the network means; (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) by the customer terminal 175 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (630), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the customer applying for the online account; It is preferable to make it.

When the online account application information is input (or selected) as described above, the customer terminal 175 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise a, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period (for example, a period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) is output to the customer terminal 175, and the customer informs the provisional provision information. And an interface for entering (or selecting) provisional processing consent information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. Do.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include a real account for operating an online account corresponding to the online account application information in the real exchange money card operating account. In order to open a virtual account form as a parent account, the virtual account processing information includes information on a parent account operating institution including at least one real currency exchange card operating real account and a mother account information corresponding to a real account operated by the mother account operating institution. It is preferable to include an interface for inputting (or selecting).

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 175 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face-to-face financial terms and conditions information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the information processing server 140 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (645), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, FIG. 7 opens a predetermined online account based on the online account application information provided from the web server 100 in the information processing server 140 shown in FIG. 1, and converts the online account into the currency exchange traffic. The present invention relates to a process of processing a real account operated by a card operating real account as a virtual account, and having a general knowledge in the field to which the present invention pertains. Referring to FIG. Based on the online account application information provided to the information processing server 140 shown in FIG. 1, it is possible to infer various implementation methods for processing an online account as a virtual account using a real account operated by the real money exchange account operating account. It will be appreciated that the present invention encompasses all of the foregoing inferred methods, and thus the present invention is not limited thereto.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 140. However, the present invention includes those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 140. However, the present invention provides the information processing server 140 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or 6, predetermined online account application information (and / or false transaction processing information) from the web server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). )) Is received, the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 175 through a predetermined network means, thereby completing the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed as a virtual account which is used as a parent account in the exchange account.

According to an exemplary embodiment of the present invention, the server adds a parent account number corresponding to a real account operated by the foreign exchange transportation card operating real account to the temporary transaction information added to the online account ledger as shown in FIG. In addition, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 165 as a virtual account that uses the real account operated by the real exchange account for the exchange card.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. By linking the virtual account processing information including the mother account information in a relational manner, the mother account is used to operate a real account in which the ledger corresponding to the online account opened by the bank opening unit 165 is operated in the currency exchange transportation card operation real account. It is preferable to process with a virtual account.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 200 in which the online account ledger is registered as shown in FIG. 4, It is preferable that the ledger corresponding to the online account opened by the provisional opening unit 165 is treated as a virtual account that uses the real account operated by the exchange account card operating account as the parent account.

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 is an online account processed as a virtual account using a real account operated in the real money account operated by the currency exchange card through the process shown in FIG. 7 through the online account registration system shown in FIG. The process of performing the real name verification process for the account to a predetermined new financial account, specifically, the real name verification expiration date is automatically extended to provide at least one or more financial transactions through the online account without real name verification It is about the implementation method.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 for an online account treated as a virtual account whose real account is operated by the real money exchange operation card operating account. Various implementation methods for confirming the real name may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The 800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (810). .

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server processes the online account processed as a virtual account whose real account is operated by the real account operated by the exchange card. Repeat the process for checking the customer's real name for.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (820), to continuously provide at least one financial transaction through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is connected to the financial system in the form of a virtual account that uses the real account operated in the real money account operating the exchange card The processed online account is returned to the original online account (825), and the online account is processed as a new financial account whose real name is confirmed in connection with the financial system (830).

According to the method of the present invention, when the online account of the virtual account form using the real account that is operated in the currency exchange traffic card operating real account as the new financial account, the online account ledger information is the real account ledger information In the case of including, it is preferable that the server processes the online account as a new financial account whose real name is confirmed by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account using the real account operated by the real money exchange operation card operating account as the new financial account, the online account ledger information includes the virtual account ledger information. Deletes the pseudo-news information and / or virtual account processing information added to the online account ledger and replaces (or converts) the virtual account ledger information with real account ledger information, thereby verifying the real name of the online account. It is preferable to process with a new financial account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 is an online account processed as a virtual account using a real account operated by the real money account operated by the currency exchange card through the process shown in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an account and processing it into a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is set to an original account (eg, the online account). The present invention relates to a method for retrieving the amount of money to a transferred financial account (or other online account) and dormant processing of the online account.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 9 for an online account treated as a virtual account whose parent account is the real account operated by the foreign exchange transportation card operating real account. Various implementation methods for confirming the real name may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system). A financial transaction system including at least one of a telebanking system, a home banking system, and a TV banking system) in response to the online account application information to check whether the real name of the online account applicant for the online account is verified (and And / or at least one of a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event occurring from the financial transaction system including the above) (900).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (905), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (910).

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server processes the online account processed as a virtual account using a real account operated by the real money account operated by the foreign exchange transportation card operation. Repeat the process for checking the customer's real name for.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (915), the server, in connection with the financial system, the predetermined amount of money deposited in the online account corresponding to the online account application information Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is connected to the financial system in the form of a virtual account that uses the real account operated by the real money account operated by the exchange card. The processed online account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, when processing an online account of a virtual account type having a real account operated by a real money account operated by the currency exchange transportation card as the new financial account, the online ledger information is used to display real account ledger information. If included, the server is preferably to process the online account as a new financial account of the real name by erasing the provisional processing information and / or virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account using the real account operated by the real money exchange operation card operating account as the new financial account, the online account ledger information includes the virtual account ledger information. Deletes the pseudo-news information and / or virtual account processing information added to the online account ledger and replaces (or converts) the virtual account ledger information with real account ledger information, thereby verifying the real name of the online account. It is preferable to process with a new financial account.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

FIG. 10 is a diagram illustrating an online account registration system for processing a payment request through a check card function of a foreign exchange card according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates an online account for processing a payment request through a check card function of a foreign currency exchange card provided by a foreign client from a predetermined customer terminal 1075 to a predetermined web server 1000 through a predetermined network means. If the online account application information is provided in order to open an Online Account, the web server 1000 receives the online account application information provided from the customer terminal 1075 at a predetermined information processing server 1040 provided in a predetermined financial institution. By providing a, by the information processing server 1040 for the system configuration for opening an online account corresponding to the online account application information, the system configuration for opening an online account of the concept of a rechargeable prepaid card that can be used without real name verification specifically Figure is a diagram.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 10 to process a payment request through a check card function provided by a foreign exchange card in addition to an online account of the rechargeable prepaid card concept. Although it may be possible to infer an implementation method for a system for registering various types of online accounts for the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains can implement a system for registering an online account in the form of a virtual account with a predetermined real account by referring to and / or modifying the drawing 10. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to this drawing 10 according to the embodiment of the present invention, the online account registration system for registering the online account in the form of a rechargeable prepaid card for payment request processing through the check card function provided in the foreign exchange transportation card, An online account for processing a payment request through a check card function of the foreign exchange card provided in the exchange card without the real name by accessing a predetermined web server 1000 (eg, a portal server) through a network means. A client terminal 1075 for requesting registration (or opening) and providing predetermined online account application information corresponding to the online account registration (or opening) to the web server 1000, and the client terminal 1075; Connected via a predetermined network means to receive predetermined online account application information from the customer terminal 1075, and receive the received online account application information. Web server 1000 provided to an information processing server 1040 provided at a predetermined financial institution, and the web server 1000 is connected to the online server through the predetermined communication means from the web server 1000 to the online account application information And an information processing server 1040 for opening and processing an online account corresponding to the online account application information in the customer's name based on the received online account application information as a new provision, and processed as the new provision. It is equipped with a financial system for operating an online account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744) If it is dealt with, it is effectively processed.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art 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. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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) It is characterized in that connected via, and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 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 A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

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) and / or a wireless data communication network based on DataTAC / Mobitex. 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). do.

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 services.

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 or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

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 non-face-to-face financial transaction services to at least one financial transaction customer.

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 non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 1075 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The server 1000 is connected to and provided with various application services provided by the web server 1000.

Here, the wired terminal connected to the wired communication network of the customer terminal 1075 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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 the IEEE 802.16x-based portable 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 data. It comprises a wireless data communication terminal connected to a communication network including at least one are preferred.

The web server 1000 is a search service including at least one information / content to a customer terminal 1075 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or search server that provide personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information provision services. It is preferable.

According to the present invention, the web server 1000 provides at least one or more information service provided by the web server 1000 to the customer terminal 1075 to sell (or request a new establishment) to the at least one customer online by the financial institution. Characterized in that it comprises a financial product information, the financial product information is an online account product information for the customer to register the online account for payment request processing through the check card function provided to the foreign exchange exchange card Characterized in that it comprises at least one or more.

In addition, the web server 1000 processes the payment request by the customer through the network means including the wired communication network and / or wireless communication network through the check card function provided in the financial product (for example, the foreign exchange exchange card) At least one user interface for applying for (or purchasing) an online account) to the customer terminal 1075, wherein the customer terminal 1075 exchanges foreign currency through the user interface. Input (or select) predetermined online account application information for payment request processing through the check card function provided in the card and transmit it to the web server 1000 through a network means including the wired communication network and / or the wireless communication network. Characterized in that.

To this end, the client terminal 1075 outputs at least one or more user interfaces provided from the web server 1000, and inputs and / or selects at least one or more online account application information through the user interface to the web server. A function configuration (for example, a browser program and communication function or a predetermined communication program and communication function for communicating with the web server 1000, etc.) for transmitting to the 1000 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1000 as described above, input at least one online account application information through the user interface, and Since the features of the customer terminal 1075 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the web server 1000 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 1000 is characterized by comprising an interface unit 1005 for connecting and managing a predetermined communication channel with the customer terminal 1075 through the network means.

According to an embodiment of the present invention, when the customer terminal 1075 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1005 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 1075 and connecting a predetermined communication channel with the customer terminal 1075 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1075, the interface unit 1005 may be connected to the client terminal 1075 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 1075 is provided with a communication program provided by the web server 1000, the interface unit 1005 establishes a communication channel with the customer terminal 1075 based on the TCP / IP protocol. And 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 customer terminal 1075 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 1075 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 1075. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 1075, the interface unit 1005 may be configured based on the CDMA protocol. 1075 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 10, the web server 1000 may access the interface unit 1005 when a predetermined client terminal 1075 accesses the web server 1000 through the interface unit 1005 and / or applies for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface which allows the client terminal 1075 to input (or select) and transmit predetermined online account application information. A predetermined online for inputting (or selecting) the interface providing unit 1010 provided to the customer terminal 1075 and the customer terminal 1075 through the user interface in conjunction with the interface unit 1005. An information receiving unit 1020 for receiving account application information and an information relay unit 1030 for providing the received online account application information to an information processing server 1040 provided in a financial institution through a predetermined communication means. Characterized in that W is made.

In addition, the web server 1000 is interlocked with the interface unit 1005 to at least one or more customer terminals 1075, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 1015 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 1000 provides the web-based service to at least one customer terminal 1075 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 1000 is applied for the online account received from the customer terminal 1075 through the information receiving unit 1020 for the post-management of the online account application information received through the information receiving unit 1020. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 1040 based on the online account application information in a predetermined storage medium 1035. Characterized in that it further comprises a storage unit 1025, wherein the online account issuance information is the online account security information received from the customer terminal (1075), the new processing agreement information (or new application information), rechargeable Include at least one prepaid card processing consent information, non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), etc. It is preferable to make it together.

The interface providing unit 1010 has a function provided to the customer terminal 1075 when a predetermined customer terminal 1075 accesses the web server 1000 and / or applies for an online account through the interface unit 1005. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 1000 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface 1075 through the network means the user interface generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 1005. It is done.

Thereafter, the customer terminal 1075 inputs (or selects) the online account application information based on the user interface, and inputs the input (or selected) online account application information through the network means to the web server 1000. To send).

According to an exemplary embodiment of the present invention, when the customer terminal 1075 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B (not shown) through the interface unit 1005. It is preferable to provide the user interface (1075) extracted from the customer terminal (1075).

According to another exemplary embodiment of the present invention, when the customer terminal 1075 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 1005. It is preferable to provide a user interface extracted from) to the customer terminal 1075.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the customer terminal 1075 in the web server 1000 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 1075 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 1075, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 1075, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. And / or an interface for inputting (or selecting) an address or the like and / or for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1000. desirable.

Thereafter, the customer terminal 1075 includes online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account; Transmit to 1000.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1075, the customer terminal 1075 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 1075 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisions of the provisions (e.g., the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable to include an interface to make.

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account product, the provisional provisional information and the provisional processing period information are output to the customer terminal 1075. For example, the interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1075 is provided, the customer terminal 1075 receives the provisional processing agreement information (the information through the interface). Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. 10, when the financial real name of the online account corresponding to the online account product is confirmed and operated as a new provision, the user interface for inputting (or selecting) the online account application information is In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account processed by the new provision, the online terminal is processed with a predetermined prepaid rechargeable card to process the rechargeable prepaid card processing information in the customer terminal 1075. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information to which the customer agrees to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1075, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1075, the customer terminal 1075 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Afterwards, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the rechargeable prepaid card processing consent information is further included in the online account application information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 1075) an interface for outputting financial transaction application terms and conditions information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are an institutional financial customer, the above interface may be omitted. Depending on the, or one of ordinary skill in the intended but may be included in a non face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) which specifies to the interface is.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1075, the customer terminal 1075 inputs (or selects) the financial transaction application information through the interface, and then the Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. In FIG. 10, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 1075. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel The non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1075, the customer terminal 1075 receives the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

When the customer terminal 1075 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 1020 cooperates with the interface unit 1005. And receiving the online account application information, and providing the received online account application information to the information relay unit 1030 and / or the information storage unit 1025.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. It is preferable that the information and at least one or more of the online account deposit amount information.

In addition, the customer terminal 1075 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 1075 receives the online account security information. When the transmission is included in the online account application information, the information receiver 1020 receives the online account security information in conjunction with the interface unit 1005, and relays the received online account security information to the information. To the unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1075 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits it through the network means, or the customer terminal 1075 In the case where the provisional processing agreement information (or provisional provision application information) is included in the online account application information and transmitted, the information receiving unit 1020 is linked with the interface unit 1005 and the provisional processing agreement information (or And provisional application information), and provide the received provisional processing agreement information (or provisional application information) to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1075 inputs (or selects) predetermined charge prepaid card processing consent information through the user interface and transmits the same through the network means, or the rechargeable prepaid card processing at the customer terminal 1075. When the consent information is included in the online account application information and transmitted, the information receiving unit 1020 receives the rechargeable prepaid card processing consent information in association with the interface unit 1005, and the received rechargeable prepaid The card processing agreement information is provided to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the client terminal 1075 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 1075. When the information is included in the online account application information and transmitted, the information receiver 1020 receives the financial transaction application information in association with the interface unit 1005 and relays the received financial transaction application information to the information relay. To the unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1075 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. In operation 1075, when the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information and transmitted, the information receiving unit 1020 may interwork with the interface unit 1005 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 1030 and / or. Or to the information storage unit 1025.

The information storage unit 1025 stores the online account application information received through the information receiving unit 1020 in a predetermined storage medium 1035 by including the online account issuance information, thereby storing the web. The server 1000 (or the web server operator) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 1035.

When the online account security information is received through the information receiving unit 1020, the information storage unit 1025 stores the online account issuing information obtained by linking the online account security information to the online account application information in the storage medium 1035. And the online account security information is used by the web server 1000 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information storage unit 1025 may apply the provisional processing agreement information (or provisional application) to the online account application information. And storing the online account issuing information associated with the information) in the storage medium 1035, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 1000 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 1020, the information storage unit 1025 may add the online account issuing information obtained by linking the rechargeable prepaid card processing consent information to the online account application information. And the rechargeable prepaid card processing consent information is stored in the storage medium 1035 until the financial real name of the online account is confirmed by the web server 1000 (or a financial transaction server using the online account). Provide a basis for processing at least one financial transaction using an account with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information storage unit 1025 may add the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 1035, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored on the web. The server 1000 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 1025 is opened by the information processing server 1040 a predetermined online account corresponding to the online account application information, the web server 1000 (or the A storage medium further including the online account information opened by the information processing server 1040 in the online account issuing information in order to process at least one or more financial transactions using the online account in a financial transaction server using an online account. It is preferable to replace the online account application information stored in the 1035 or included in the online account issuance information with the online account information opened by the information processing server 1040, and thus the present invention is not limited thereto. .

Here, the online account information is included in the online account number in the form of a prepaid card number generated by the provisional opening unit 1065 and the prepaid card processing unit 1060 of the information processing server 1040 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server operating institution information and the financial institution information that the online account is opened.

The information relay unit 1030 may be configured to correspond to the online account product (for example, the online account corresponding to the online account product) through the predetermined means of communication with the online account application information received through the information receiving unit 1070. It is characterized in that the relay transmission to the information processing server 1040 provided in the financial institution).

Here, the communication means for connecting the web server 1000 and the information processing server 1040, a dedicated communication network that blocks access by a third party other than the web server 1000 and the information processing server 1040, and / or Secure communication network that provides a secure communication function between the web server 1000 and the information processing server 1040 (for example, the web server 1000 encrypts the online account application information by a predetermined encryption method and the information processing server 1040). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 1040.

When the online account security information is received through the information receiving unit 1070, the information relay unit 1030 corresponds to the online account product through the predetermined communication means (e.g., the online account security information). And relaying to the information processing server 1040 provided in the financial institution where the online account corresponding to the account product is opened, whereby the information processing server 1040 transmits the information to the financial system provided in the financial institution. The web server 1000 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1070, the information relay unit 1030 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the information to the information processing server 1040 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 1040 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 1070, the information relay unit 1030 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 1040 provided in the financial institution (in which the online account corresponding to the product is opened), whereby the information processing server 1040 is the online account application customer of the financial institution Although not a conventional customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 1070, the information relay unit 1030 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 1040 provided in the financial institution, in which the online account corresponding to the online account product is opened, whereby the information processing server 1040 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1070, the information relay unit 1030 requests the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to an information processing server 1040 provided in a financial institution corresponding to the online account product (eg, an online account corresponding to the online account product is opened). Accordingly, the information processing server 1040 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 1000 in the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, when the information processing server 1040 is provided with a web server 1000 function and / or the information processing server 1040 is a predetermined banking server, the information relay unit ( 1030 links and relays the customer terminal 1075 and the information processing server 1040, thereby providing the online account application information (and / or a new code) from the customer terminal 1075 at the information processing server 1040. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) It is possible to relay directly to provide a predetermined user interface for receiving financial transaction application information)), whereby the information processing server 1040 allows the customer terminal 1075 through a predetermined network means. From the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) directly, and the present invention is not limited thereto.

According to another embodiment of the present invention, between the web server 1000 and the information processing server 1040 relays at least one or more web servers 1000 and the information processing server 1040, and / or the A predetermined relay server (not shown) which relays the web server 1000 and the at least one information processing server 1040 and / or relays the at least one web server 1000 and the at least one information processing server 1040. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 10, the information processing server 1040 may provide online account application information (and / or false information processing consent information (or false information request information)) provided from the web server 1000 through the communication means. And / or an information receiving unit for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 1070, a new provision opening section 1065 for opening a new online account corresponding to the online account application information received through the information receiving unit 1070 in association with a predetermined financial system, and the new provision established Prepaid card processing unit 1060 for processing an online account as a rechargeable prepaid card, and manages the online account of the current state of the rechargeable prepaid card until the real name confirmation for the customer applying for the online account A new name management unit 1055 and a real name confirmation unit 1050 for confirming whether a real name of the financial transaction request customer is confirmed within a predetermined real name confirmation period for the online account opened in correspondence with the online account application information; When the real name of the online account opened as a new provision is confirmed in response to the online account application information, a new account processing unit 1045 for processing the online account opened as a new financial account is provided. It is done.

The information receiver 1070 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 1000 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face) Financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 1065.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 1000 according to one embodiment of the present invention. When transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiving unit 1070 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The provisional establishment section 1065 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online from the web server 1000 through the information receiving unit 1070) If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance Read the transaction agreement information (or non-face-to-face financial transaction application information) and, through a predetermined financial system, the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / or Online accounts corresponding to line account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the provisional opening section 1065 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: Agree to process / B with the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the rechargeable prepaid card processing agreement And / or at least one online customer account corresponding to the information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). To the account ledger includes a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 1065 may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 1000, and / or the online account security information. And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure of opening the online account (eg, registering a predetermined online account ledger) in association with an information system, and providing the result to the prepaid card processing unit 1060.

If the person skilled in the art to which the present invention pertains, the detailed procedure for opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 1060 is characterized in that for processing the online account (or online account ledger) opened by the new provision opening unit 1065 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name transaction And withdrawal of a predetermined deposit amount (or recharge amount) without violating the Law on Confidential Security and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 1060 as a rechargeable prepaid card is provided with a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to an exemplary embodiment of the present invention, the prepaid card processing unit 1060 replaces the account ledger information included in the online account ledger with rechargeable prepaid card information, thereby establishing the online established by the provisional opening unit 1065. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 replaces the account number included in the online ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and links the account interest rate with the prepaid card. Replacing the interest rate with a personal identification number (PIN) for the rechargeable prepaid card, and replacing the account balance with a charged prepaid card charge amount, thereby establishing It is desirable to treat your online account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 1060 performs relational processing of predetermined rechargeable prepaid card information in the online account ledger, thereby establishing the online established by the provisional opening unit 1065. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By linking and storing rechargeable prepaid card information including a card PIN, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 1065 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 1060 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening section 1065 with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN, etc. in a predetermined database linked to the ledger D / B in which the online account ledger is registered, the online account (or online) opened by the provisional opening unit 1065. It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 1055 is characterized in that by operating the online account opened as the new provision to the rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to the method of the present invention, the provisional management unit 1055 is to charge the deposit amount in the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the online account, the new management unit 1055 processes the withdrawal amount to use the amount charged to the rechargeable prepaid card. It is characterized by.

Also, when the interest for the amount deposited in the online account (or charged in the rechargeable prepaid card) is calculated through the financial system, the pseudonym management unit 1055 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the provisional management unit 1055 violates the law and the concurrent law (Presidential Decree No. 15744) on financial real name transaction and confidentiality until the real name is verified. prevent.

The real name verification unit 1050 is the law and concurrent orders on the financial real-name system transactions and confidentiality while the online account opened by the new provision establishment section 1065 is managed by the new provision management section 1055 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 1050 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 1050 is the online authentication for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the In the case where the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 1050 is responsible for the authentication of the online account through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account application customer is a conventional financial transaction customer for the financial institution, and the online account application customer is a telebanking and / or home banking corresponding to the financial institution, and And / or a TV banking customer (e.g., when the financial institution has implemented a real name verification procedure for the online account application customer), the real name verification unit 1050 may be based on an accredited certificate defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is verified through the real name verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 1050 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 1050 is a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 1050 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 1050 generates the real name verification information for the online account application customer and provides it to the new account processing unit 1045. do.

Or, if the real name for the online account request customer is confirmed within the predetermined real name confirmation period, the real name verification unit 1050 generates unreal name verification information for the online account request customer to generate the new account processing unit 1045 To provide.

When real name verification information is provided from the real name verification unit 1050 including the real name confirmation of the online account request customer within the real name verification period, the new account processing unit 1045 is connected to the financial system. The online account processed by the new provision opening unit 1065 and / or the new provision management unit 1055 as a new provision is characterized as being processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 1050 including the real name of the online account request customer is confirmed within the real name confirmation period, the new account processing unit 1045 Is valid for all financial transactions on the online account processed by the provisional opening unit 1065 and / or provisional management unit 1055 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 1045 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account. When transferred to the virtual account of the new account processing unit 1045 in conjunction with the external and / or information system provided in the financial system withdraws the amount deposited in the withdrawal virtual account to the online account (or re- And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as a provisional transaction is processed into a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by the account, the new account processing unit 1045 may be an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 1045 processes the online account as a valid new financial account capable of all financial transactions, the online account opening date is set by the information receiving unit 1070 to the web server ( 1000, the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information). , And / or date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or date of opening of the online account on the financial system by the temporary opening unit 1065. It is desirable to apply retrospectively to either date.

11 is a diagram showing the configuration of online account ledger information according to an embodiment of the present invention.

More specifically, FIG. 11 stores an online account ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. 10, and specifies the online account. The structure of the online account ledger information for processing with a new account of the company, specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with the chargeable prepaid card information, the online ledger It is about an implementation method of processing an online account corresponding to a rechargeable prepaid card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information configuration methods for the online ledger of the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

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

According to another exemplary embodiment of the present invention, the provisional opening unit 1065 and / or provisional management unit 1055 of the information processing server 1040 shown in FIG. 10 may be provided with an external system and / or provided in the financial system. Incorporating information from the wireless account into the online ledger for processing at least one or more financial transactions in a non-face-to-face manner in financial transactions without an accredited certificate, and / or in the online ledger and / or the online ledger It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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.

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, 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 includes at least one or more interest system accounts, whether or not a consolidation is made, 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 (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

According to an embodiment of the present invention, in order to process the online ledger as a new account, the provisional opening unit 1065 and / or the new management unit 1055 of the information processing server 1040 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the deposit before real name verification for the online account It is characterized in that for generating the predetermined false information including the information, and processing the stored false information is linked to the additional information corresponding to the online ledger, characterized in that for storing.

In this case, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 1075 on the online account registration system shown in FIG. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the online account registration system shown in FIG. 10, the provisional processing information provided in the online account ledger is also omitted. Preferably, the present invention is not limited thereto.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further automatically extended by the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with an account balance (eg, a chargeable prepaid card amount) of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 11, the prepaid card processing unit 1060 of the information processing server 1040 illustrated in FIG. 10 may charge the online account ledger in advance by linking with an external system and / or an information system provided in the financial system. In order to process the card, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account until the customer confirms the real name of the online account, and the prepaid card number system of a financial institution equipped with the financial system is provided. It is preferable to include, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

12 is a diagram showing the configuration of online account ledger information according to another embodiment of the present invention.

More specifically, FIG. 12 stores an online ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. The structure of online account ledger information for processing with a new account of the present invention, specifically, by linking and storing predetermined rechargeable prepaid card information in the online account ledger registered in the ledger D / B, the online account The present invention relates to a method of processing an online account corresponding to the ledger with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

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

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of 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, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening unit 1065 and / or provisional management unit 1055 of the information processing server 1040 shown in FIG. 10 is connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the provisional processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed. The real name pre-deposit deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 12, the prepaid card processing unit 1060 of the information processing server 1040 illustrated in FIG. 10 may charge the online account ledger in advance in association with an external system and / or an information system provided in the financial system. In order to process the card, the account number, product type, interest rate, password, etc. included in the online ledger is deactivated, and the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information including a card PIN and customer wireless terminal information is characterized in that is stored in association with the additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account until the customer confirms the real name of the online account, and the prepaid card number system of a financial institution equipped with the financial system is provided. It is preferable to include, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

13 is a diagram showing the configuration of online account ledger information according to another embodiment of the present invention.

More specifically, Fig. 13 includes a predetermined ledger D / B 1300, which is provided in a DBMS on the financial system shown in Fig. 10, with a predetermined online ledger according to the conventional ledger information structure, and ledger D / B. The predetermined database 1305 associated with the online account ledger has provisional processing information and rechargeable prepaid card information associated with the online account ledger, so that the predetermined online account ledger conforming to the conventional account ledger information configuration can be charged. And an information structure to be processed by an online account ledger in the form of a new account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 13 to make the ledger D / B ( Various information structures for storing the above-mentioned provisional processing information and rechargeable prepaid card information associated with an online account ledger in a predetermined database 1305 associated with 1300. Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 13.

In particular, FIG. 13 illustrates a case in which it is not easy to store the provisional processing information and / or rechargeable prepaid card information in a ledger D / B 1300 on a DBMS provided on the financial system (for example, a policy of a financial institution). If it is not easy to change the ledger D / B 1300 of a phase DBMS, or the system is not easy to expand due to the characteristics of the financial system), the pseudonym processing is performed in a predetermined database 1305 instead of the ledger D / B. A method of storing information and / or rechargeable prepaid card information and interworking the database 1305 and the ledger D / B is shown.

Referring to FIG. 13, the database 1305 stores the pseudo-processing information and / or rechargeable prepaid card information, wherein the pseudo-processing information and / or rechargeable prepaid card information is stored in the ledger D / B. And the CIF number matched with the customer ledger of the ledger information and the account number matched with the online account ledger in the provisional processing information and / or the rechargeable prepaid card information to be processed in connection with 1300. desirable.

In FIG. 13, the new provision processing information stored in the database 1305 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, a deposit before real name verification, and the like. It is done.

In this case, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 1075 on the online account registration system shown in FIG. It is desirable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (1300), when the real name of the customer applying for the online account processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

In FIG. 13, the rechargeable prepaid card information stored in the database 1305 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal information. Characterized in that made.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In detail, FIG. 14 illustrates that when the web server 1000 illustrated in FIG. 10 provides a predetermined online account request user interface to the customer terminal 1075, the user account 1075 provides the user account interface. Input (or select) predetermined online account application information through the predetermined network means to provide it to the web server 1000, and provide the online account application information through the predetermined communication means in the web server 1000. The process of providing to the information processing server 1040 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 14 to the customer terminal (1075) However, various implementation methods for providing the online account application information to the information processing server 1040 through the web server 1000 may be inferred. It includes both embodiments in which the inference method, not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, only the online account application information is provided from the customer terminal 1075 to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1000 to the customer terminal 1075, in addition to the online account application information in the customer terminal 1075, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention relates to the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial at the customer terminal 1075 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 1000 in response to the security function provided in the communication means for connecting the web server 1000 and the information processing server 1040 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or the new application) from the information processing server 1040. Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). It would be possible to infer an implementation method of decrypting)), but the present invention includes the implementation method inferred from above, and the present invention is not limited thereto.

Referring to FIG. 14, the customer terminal 1075 illustrated in FIG. 10 connects to the web server 1000 through a network means including at least one or more wired and / or wireless communication networks (1400) and the web. At least one web-based service provided by the server 1000 is used (1405). At this time, the web server 1000 provides the web-based service provided to the customer terminal 1075 to the online account product according to the present invention. While providing the online account product information for attracting online subscription for the online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 1000 provides at least one web-based service to the customer terminal 1075 as described above, the online account subscription user interface is subscribed online from the customer terminal 1075. It is periodically checked whether a predetermined online account request user interface is requested for the request (1410). If the financial product request interface is requested from the customer terminal 1075 (1415), the web server 1000 is connected to the customer terminal. Generate a predetermined online account application user interface to be provided to (1075) (or extract it from a predetermined web source D / B (not shown)) (1420) and view the online account application user interface via the network means; Provided to the terminal (1425).

Thereafter, the customer terminal 1075 enters (or selects) predetermined online account application information through the online account application user interface (1430), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 1075 transmits the online account application information to the web server 1000 through the network means (1435).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1075, the customer terminal 1075 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period information (e.g., the period in which the online account is processed as a provisional provision before the financial real name verification of the online account) is output to the customer terminal 1075, and the customer It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account product, the provisional provisional information and the provisional processing period information are output to the customer terminal 1075. For example, the interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1075 is provided, the customer terminal 1075 receives the provisional processing agreement information (the information through the interface). Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. 10, when the financial real name of the online account corresponding to the online account product is verified and operated before being verified, the online account application user interface is applied to the online account processed by the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output the rechargeable prepaid card processing information to the customer terminal 1075, and the customer is rechargeable And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1075, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1075, the customer terminal 1075 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Afterwards, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the rechargeable prepaid card processing consent information is further included in the online account application information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 1075 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1075, the customer terminal 1075 inputs (or selects) the financial transaction application information through the interface, and then the Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Transmit to 1000.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal (1075) at least one non-face-to-face financial transaction channel with the financial institution Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face-to-face financial terms and conditions information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1075, the customer terminal 1075 receives the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

Thereafter, the web server 1000 may provide the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 1035 (1440).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 1000 (or a web server operator) and the information processing server 1040 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 1000 transmits the online account application information to the information processing server 1040 through a predetermined communication means (1445), and the information processing server 1040 transmits the web through the communication means. The online account application information provided from the server 1000 is received (1450).

15 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 15, when the web server 1000 illustrated in FIG. 10 provides a predetermined online account request user interface to the customer terminal 1075, the user account 1075 provides the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 1000, and decode the online account application information by the web server 1000 The process of providing the online account application information to the information processing server 1040 provided in the financial institution through a communication means, if one of ordinary skill in the art to which the present invention pertains, see FIG. And / or modify and provide the online account application information from the client terminal 1075 to the information processing server 1040 through the web server 1000. Various implementation methods may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 15, only the online account application information is provided from the customer terminal 1075 to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1000 to the customer terminal 1075, in addition to the online account application information in the customer terminal 1075, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention relates to the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial at the customer terminal 1075 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 1000 in response to the security function provided in the communication means for connecting the web server 1000 and the information processing server 1040 The online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or encrypt and transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and at the information processing server 1040, the online account application information (and / or the provisional processing agreement information (or a new provision). Application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). )) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 15, the customer terminal 1075 illustrated in FIG. 10 connects to the web server 1000 through a network means including at least one or more wired and / or wireless communication networks (1500) and the web. At least one web-based service provided by the server 1000 is used (1505), wherein the web server 1000 provides the web-based service provided to the customer terminal 1075 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 1000 provides at least one web-based service to the customer terminal 1075 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 1075. Periodically check whether a predetermined online account request user interface is requested (1510). If the financial product request interface is requested (1515) from the customer terminal (1075), the web server (1000) provides a predetermined security function. Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (1520), and provide the online account application user interface to the mobile terminal through the network means. (1525)

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 1075 by a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 1075 enters (or selects) predetermined online account application information through the online account application user interface (1530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 1075 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information (1535), and transmit the encrypted online account application information to the web server 1000 via the network means (1540).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

In addition, the online account security information is a predetermined PIN (Personal Identification Number) and / or customer wireless terminal for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate It is preferable to further include information, and the present invention is not limited thereby.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1075, the customer terminal 1075 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information that states that the online account is processed as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period information (e.g., the period in which the online account is processed as a provisional provision before the financial real name verification of the online account) is output to the customer terminal 1075, and the customer It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and the provisional provisional processing period information are output to the customer terminal 1075, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1075 is provided, the customer terminal 1075 receives the provisional processing agreement information (the information through the interface). Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. 10, when the financial real name of the online account corresponding to the online account product is verified and operated before being verified, the online account application user interface is applied to the online account processed by the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output the rechargeable prepaid card processing information to the customer terminal 1075, and the customer is rechargeable And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1075, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1075, the customer terminal 1075 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 1075 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1075, the customer terminal 1075 enters (or selects) the financial transaction application information through the interface. Transmitting the input (or selected) financial transaction application information to the web server 1000 through the network means, or further including the financial transaction application information in the online account application information. Send to the web server (1000).

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal (1075) at least one non-face-to-face financial transaction channel with the financial institution Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face-to-face financial terms and conditions information. It is preferred to include an interface for inputting (or selecting) consent information and / or non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1075, the customer terminal 1075 receives the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

The web server 1000 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (1545), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 1035 (1540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 1000 (or a web server operator) and the information processing server 1040 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 1000 transmits the online account application information to the information processing server 1040 through a predetermined communication means (1545), and the information processing server 1040 transmits the web through the communication means. The online account application information provided from the server 1000 is received (1550).

16 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 16, the information processing server 1040 shown in FIG. 10 opens a predetermined online account based on the online account application information provided from the web server 1000, and charges the online account with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 1040 shown in FIG. Various implementation methods for processing an online account with a rechargeable prepaid card may be inferred based on the information, but the present invention includes all the inference methods described above, whereby the present invention is not limited thereto.

For example, in FIG. 16, only the online account application information is provided from the web server 1000 to the information processing server 1040. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face finance Although it is possible to infer an implementation method in which transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 1040, the present invention may provide the information processing server 1040 with the provisional processing agreement information. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face The financial transaction agreement information (or non-face-to-face financial transaction application information) is further provided, and the present invention is not limited thereto.

Hereinafter, in FIG. 16, the information processing server 1040 shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 16, through the process shown in FIG. 14 and / or FIG. 15, predetermined online account application information (and / or false transaction processing information) from the web server 1000 shown in FIG. 10 to the server is shown. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application). Information)), the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / Or read the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) to confirm whether the online account can be opened (1600).

If it is not possible to open the online account based on the online account application information (1605), the server generates the account opening error information and provides it to the web server 1000 (1610), and the web server 1000 E) transmits the account opening error information to the customer terminal 1075 via a predetermined network means (1615), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (1605), the server connects the predetermined online account corresponding to the online account application information on the financial system in association with the financial system. In operation 1620, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with the chargeable prepaid card information as shown in FIG. 11, thereby establishing the online established by the provisional opening unit 1065. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, The ledger corresponding to the online account opened by the new opening section 1065 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. Is preferably treated with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational form of predetermined prepaid rechargeable prepaid card information in the online account ledger, as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the on-line account opened by the hook-up establishment unit 1065 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server sends predetermined rechargeable prepaid card information to a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered as shown in FIG. By storing, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 1065 as a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the prepaid rechargeable card information in a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered, thereby corresponding to the online account opened by the provisional opening unit 1065. It is desirable to treat the ledger with a rechargeable prepaid card.

17 is a diagram illustrating a real name verification process for an online account according to one embodiment of the present invention.

In more detail, FIG. 17 illustrates a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. As a process for processing as, specifically, the real name verification expiration date is automatically extended to the implementation method for continuously providing at least one or more financial transactions through the online account without real name verification.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account treated with the rechargeable prepaid card by referring to and / or modifying the drawing 17, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 17, the information processing server 1040 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 17, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (1700).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1705), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (1710).

If the real name verification period for the online account has not passed in response to the online account application information (1715), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1715), the server is linked to the financial system and the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (1720), it is possible to continuously provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1705), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1725). In connection with the financial system, the online account is treated as a new financial account whose real name is confirmed (1730).

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, in association with the financial system as the provisional opening date (1735).

18 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 18 is a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. In particular, when the real name verification expiration date passes, the amount deposited in the online account is transferred to the original account (for example, a financial account (or another online account) in which a predetermined amount is transferred to the online account). The present invention relates to a method for retrieving and dormant the online account.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 18. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the information processing server 1040 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 18, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (1800).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (1810).

If the real name verification period for the online account has not passed in response to the online account application information (1815), the server repeats the process of verifying the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (1815), the server, in connection with the financial system, the predetermined amount of money deposited in the online account in response to the online account application information. Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information), and processes the online account as a dormant account in response to the online account application information. (1820).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1805), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1825). In operation 1830, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (1835).

19 is a diagram illustrating a foreign exchange exchange card card issuing system for foreigners according to an embodiment of the present invention.

In more detail, Figure 19 shows that a foreigner who enters Korea for tourism purposes is charged (or sold) through a foreign currency exchange card system to exchange money through a card issuing interface, and a card for issuing a foreign currency exchange card with a check card function is provided. When the issuance application information is provided, the system for issuing a foreign exchange exchange card in the form of an IC (Integrated Circuit) card to the foreigner based on the provided card issuance application information in the currency exchange transportation card operation system, Those skilled in the art will be able to infer various implementation methods for the foreign currency exchange transportation card issuing system configuration by referring to and / or modifying this drawing 19. It includes a method and is not limited to the implementation method shown in FIG. .

Hereinafter, at least one means and / or functional configuration for issuing a foreign exchange transportation card to the foreigner based on the card issuing application information provided from the foreigner through the card issuing interface on the card issuing system shown in FIG. The component corresponding to is referred to as "card issuing server 1900" for convenience.

Referring to FIG. 19 according to an embodiment of the present invention, the foreign exchange exchange card card issuing system for foreigners includes an employee terminal 1945 used by a card issuing staff member provided at at least one financial institution branch. The employee terminal 1945 has a communication channel connected to a card issuing server 1900 provided on the exchange card operating system through a predetermined communication network.

According to an exemplary embodiment of the present invention, the foreigner is charged (or sold) through the foreign currency, visits the financial institution branch for issuance of a foreign exchange exchange card with a check card function, and is provided at the financial institution branch. Through the designated counter (or through the card issuing staff) through the foreign currency, and is charged (or sold) through a foreign currency exchange card with a check card function, and issuing a predetermined card issuance application (eg, through the foreign currency). A document which is charged (or sold) and has a form for filling in at least one information item for issuing a foreign exchange exchange card with a check card function) (or the card issuer Foreigners who visit and charge (or sell) the foreign currency through the foreign currency, and have a check card function The card issuance application is submitted to the card issuing staff, and the card issuing staff is to send the card issuance application through a predetermined staff terminal (1945). Input (or select) the information written in the (1), and the employee terminal (1945) transmits the input (or selected) to the card issuing server (1900) provided on the currency exchange card operating system via the communication network It is desirable to.

Here, the employee terminal 1945 preferably comprises an employee terminal 1945 used by the card issuing staff provided at the financial institution branch, and the card issuing server 1900 connected with the employee terminal 1945. Preferably, the communication system includes a server provided on the financial institution (or an affiliated institution affiliated with a financial institution), and the communication network connecting the employee terminal 1945 and the card issuing server 1900 includes the employee terminal ( 1945 and the card issuing server 1900 preferably include a communication network connecting the communication channel.

In the card issuance system as described above, a card issuance application created by the foreigner, and a finance that connects the employee terminal 1945 and the employee terminal 1945 and the card issuing server 1900 used by the card issuing staff. The network is charged (or sold) through the foreign currency, the network performs a function of a card issuing interface for registering the card issuing application information for issuing a foreign exchange exchange card with a check card function.

After the storage medium 1935 provided on the currency exchange card operating system according to the present invention issues a foreign exchange transportation card to the foreigner based on the card issuance application information provided from the employee terminal 1945, And exchange exchange card operation information according to the issue of the exchange card. The exchange card information stored in the storage medium 1935 may include passport information (or passport information) for the foreigner who is issued the exchange card. Immigration ticket information) and a payment account for charging the exchange card (or through the check card function of the transportation card) (that is, through the online account registration system shown in FIG. 1 or FIG. 10). Foreign currency identification information corresponding to the foreign currency type used for the charging of the online account) and the won unit charged in the currency exchange transportation card. When the card payment processing using the check card function provided in the payment amount information, the payment account information corresponding to the payment account, the payment amount information deposited into the payment account, and the exchange card, It is characterized in that the card comprises one or more discount information for payment, exchange card information and foreign exchange issuance date (or purchase) of the foreigner who issued (or purchased) the exchange card.

In addition, the exchange traffic card operation information stored in the storage medium (1935) is the deposit amount of the won unit of the currency exchange card charged in the remittance management account, except for the amount deducted in accordance with the use of transportation means the deposit processing Refund expiration date and the remaining amount excluding the amount deducted by the use of transportation means of the amount charged in the won unit charged on the exchange card after the expiration date (or at the request of the foreigner) of the foreigner In order to process the transfer, the foreigner's nationality information of the foreigner, refundable account information for the target financial account for transferring the balance to the foreigner, financial institution information corresponding to the financial institution where the refundable account is opened, The currency exchange card operation information is used to use the transportation means among the amount of the won charged in the currency exchange card. To the foreign exchange transfer information for the exchange process by the won currency exchange money transfer processing in the cash accounts for the balance of the target except for La the subtracted amount of money further comprises one or more are preferred.

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged in won and charged to the exchange exchange card, and the recharge amount information is charged to the foreign exchange exchange card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

Preferably, the payment account information includes account information corresponding to an online account opened and processed through the online account registration system shown in FIG. 1 or FIG. 10. In order to process a payment request using the provided check card function, it is preferable that the foreign currency issued by the foreign exchange transportation card is the financial account in which the amount deposited (or the automatic exchange money transfer) is exchanged for foreign currency.

The deposit amount information is an amount of money (or automatic currency transfer) that the foreigner exchanged the foreign currency to exchange the foreign currency to process the payment request using the check card function provided in the exchange traffic card in the payment settlement account. It is preferable that it is this deposited amount.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is desirable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

The card payment discount information may include discount amount (or discount rate) information for discounting a part (or all) of a corresponding amount when a foreigner requests a card payment through a predetermined affiliate store using the exchange card. It is preferable to comprise.

The refund expiration date and time information is when the foreigner who issued the exchange exchange card (or purchases a fixed-rate exchange card by exchanging foreign currency) departs or changes the schedule after the tourist schedule. If the balance of the exchange card has not been processed (i.e., has not been requested to exchange money or has not been transferred to the refundable account designated by the foreigner), the balance of the exchange card is deposited into the unpaid refund management account. It is preferable to include date and time information for processing.

The foreign nationality information includes the country name, country code (or country code), etc. of the country where the foreigner who issued the foreign exchange transportation card (or purchases the fixed currency exchange transportation card by exchanging foreign currency) resides in (or is listed on the passport). It is preferable to include at least one.

The refundable account information is charged to the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the foreign currency exchange card for foreign exchange). It is preferable to include at least one account number, an account alias for the financial account for the transfer of the balance except the amount deducted in accordance with the use of transportation among the amount of charge of the won unit.

The financial institution information is the original currency charged in the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the foreign currency exchange card for foreign currency exchange). In order to transfer the balance except the amount deducted according to the use of transportation among the amount of charge of the unit, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution where the refundable account is opened. Do.

The foreign currency remittance information is the original currency charged in the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the fixed-rate foreign exchange transportation card by exchanging foreign currency). At least one or more of the reasons for remittance, the relationship with the remitter for remittance processing to the financial institution where the refundable account is opened, in order to transfer the balance except the amount deducted according to the use of transportation means It is preferable to make.

According to an embodiment of the present invention, the storage medium 1935 is preferably provided in a DBMS on a predetermined financial system provided on the exchange card operating system (or associated with the exchange card operating system). In this case, the storage medium 1935 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 1935 interoperates with a server (or device) operating the exchange traffic card by using the exchange traffic card operation information on the exchange traffic card operation system. It is preferable that the DBMS is provided. In this case, the location where the storage medium 1935 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 1900 provided on the currency exchange card operating system according to the present invention is a generic term for the component of the currency exchange card operating system side connected to the employee terminal 1945 through a predetermined communication network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, the card issuing server 1900 is provided with an interface unit 1905 (or interface means) for providing a card issuing interface to the employee terminal 1945 through the communication network. do.

According to an embodiment of the present invention, the interface unit 1905 connects a predetermined communication channel with the employee terminal 1945 based on the protocol stack defined in the financial network, and is provided in the employee terminal 1945. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program.

Referring to FIG. 19, the card issuing server 1900 is connected to the interface unit 1905 when a predetermined employee terminal 1945 is connected to the card issuing server 1900 through the interface unit 1905. An interface providing unit 1910 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined card issuance application information from the employee terminal 1945 and providing it to the employee terminal 1945 ( Or an interface providing means) and an information receiving unit 1915 for receiving predetermined card issuing application information transmitted from the employee terminal 1945 through the user interface in connection with the interface unit 1905. (Or information receiving means) and card information for generating (or extracting) card information to be recorded on the IC chip provided in the exchange transportation card to be issued to the foreigner based on the received card issuance application information. A card issuing unit 1930 (card issuing means) for issuing a currency exchange card in which the card information is recorded on the IC chip through the beam generating unit 1920 (or information generating means) and a predetermined card issuing device 1940; And an information storage unit 1925 (or information storage means) for storing the exchange transportation card operation information corresponding to the exchange transportation card issued to the foreigner in the storage medium 1935.

The interface providing unit 1910 corresponds to a functional configuration provided in the employee terminal 1945 when a predetermined employee terminal 1945 accesses the card issuing server 1900 through the interface unit 1905. Generate a predetermined user interface capable of inputting (or selecting) card issuing application information and transmitting it to the card issuing server 1900 through the communication network, and / or extracting from a predetermined database (not shown), The user interface 1945 may be provided to the employee terminal 1945 through the communication network through the communication network.

Thereafter, the employee terminal 1945 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server 1900 through the communication network with the input (or selected) card issuing application information. To send).

According to an embodiment of the present invention, the interface providing unit 1910 generates (or extracts) a predetermined user interface that can be provided by a card issuing application program included in the employee terminal 1945, and the interface unit 1905. It is preferable to provide the created (or extracted) user interface to the employee terminal (1945) through.

The information receiving unit 1915 inputs (or selects) predetermined card issuance request information through the user interface in the employee terminal 1945 and transmits the information through the communication network. The card is interworked with the interface unit 1905. Characterized in that it receives the issuing application information.

According to the method of the present invention, the card issuing application information includes the passport information (or immigration transportation ticket information) of the card issuing foreigner, the exchange request amount information of the currency exchange unit in the currency exchange transportation card, and the exchange request It is preferable to include at least one foreign currency identification information on the amount of money and information on the date of departure.

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The exchange request amount information is foreign currency amount information provided by the foreigner to charge the exchange transportation card through a foreign currency possessed by the foreign exchange, and the exchange request amount information includes a charge request amount and an exchange fee in a foreign currency unit. It is preferable.

According to one embodiment of the present invention, when the exchange transportation card is a straight line, the exchange request amount information includes a charge request amount and an exchange fee matched with a fixed charge amount in won according to the exchange rate corresponding to the foreign currency. It is preferable.

According to another exemplary embodiment of the present invention, when the exchange card is a rechargeable type, the exchange request amount information preferably includes an amount to be exchanged and charged in won according to the exchange rate corresponding to the foreign currency, and an exchange fee. .

The foreign currency identification information is information for identifying and identifying a foreign currency type and a monetary unit for the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

Preferably, the departure date and time information includes a scheduled transportation date and time for the entry and exit transportation ticket of the immigration transportation ticket domestic and the destination destination is foreign.

If the foreigner does not have a round-trip immigration vehicle ticket, the departure date and time information may be arbitrarily designated within a preset limit period, and the present invention is not limited thereto.

The information generating unit 1920 generates (or extracts) predetermined card information to be provided in the foreign exchange transportation card to the foreigner based on the card issuing application information received through the information receiving unit 1915. The card information may include a card number corresponding to the exchange card, exchange passport information of the foreigner, and exchange card information including at least one issuer number (or code).

Here, the card number included in the exchange exchange card information is any one of a domestic transportation card number system or an international card number system (for example, a card number system of a visa card or a card number system of a master card). It is preferable to comprise a.

For example, if the card number includes the international card number system, the card number includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit. desirable.

The passport information included in the exchange exchange card information may be obtained when a foreigner who is issued the exchange exchange card purchases a product through a duty free shop or the like, and requests payment using the exchange exchange card for payment of the product. It is preferable to include a passport number for tax exemption processing based on passport information.

The issuing organization number (or code) included in the exchange exchange card information includes at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the exchange exchange card to the foreigner. It is preferable.

According to the exemplary embodiment of the present invention, the card information may further include information on the amount of charge in won, thereby making it possible to pay for a public transportation fee having an offline payment system through the exchange card. It becomes possible.

According to the exemplary embodiment of the present invention, the card information may further include departure date and time information, thereby confirming whether or not the scheduled departure date and time have elapsed at the time of using the exchange card. It is possible to restrict the use of public transportation through the exchange card in the range that the date and time does not pass.

According to the exemplary embodiment of the present invention, the card information may further include public transportation discount information. The public transportation discount information may include discounted public transportation information, discount amount (or discount rate) information, and discounted information. It is preferable to include at least one discount provider information to settle the public transportation fares, thereby allowing the foreigner to use the public transportation corresponding to the discount information on the discounted conditions.

According to the exemplary embodiment of the present invention, the card information may further include card payment discount information. The card payment discount information may include information about a merchant to be discounted, discount amount (or discount rate) information, and discounted payment. It is preferable to include at least one discount provider information to settle the price, thereby enabling the foreigner to use the card payment corresponding to the card payment discount information on a discounted condition.

When the card information to be recorded on the IC chip provided in the exchange card by the information generation unit 1920 is generated, the card issuing unit 1930 is the card information generated through a predetermined card issuing device 1940 A traffic card applet containing the generated card information, when the IC card of the exchange card has a traffic card applet including a traffic card applet, or the traffic card applet is not provided on the IC chip of the exchange card. Generating (or extracting from the applet D / B (not shown)) the IC chip provided in the exchange card, and issuing a exchange card including the card information.

According to an embodiment of the present invention, when the amount of charge information is included in the card information, the traffic card applet functions as an applet function of deducting an amount corresponding to the public transportation fee among the charges when using public transportation through the exchange money exchange card. It is preferable to comprise a.

When the card information includes departure date and time information according to an embodiment of the present invention, the traffic card applet checks the current date and time in connection with a traffic card terminal when using public transportation through the exchange card. It is preferable to include an applet function for checking whether the scheduled departure date has elapsed on the basis of the current date, and deactivating the exchange exchange card function when the scheduled departure date has elapsed.

According to the embodiment of the present invention, when the public transportation discount information is included in the card information, the traffic card applet checks the public transportation information being used in connection with the transportation card terminal when using the public transportation through the currency exchange transportation card, It is preferable to include an applet function for checking whether the public transportation is a discounted public transportation and discounting the public transportation fare through a discount amount (or a discount rate) information corresponding to the discounted public transportation.

Here, the card issuing device 1940 is a generic term for a device for recording the card information in a memory provided in the IC chip of the exchange card or recording a traffic card applet including the card information. Device 1940 is to record the card information in the memory provided on the IC chip of the exchange card, or to record a traffic card applet containing the card information to issue a currency exchange card including the card information. desirable.

Thereafter, the information storage unit 1925 receives passport information (or entry / exit entry / departure) for the foreigner who receives the card issuance application information received from the foreigner through the information receiving unit 1915 and the foreign exchange transportation card included in the card information. Transportation ticket information), foreign currency identification information corresponding to the foreign currency type used to charge the currency exchange card, charge amount information of the currency unit charged in the currency exchange card, currency exchange card information and the currency exchange card. (Or purchase) exchange exchange card operation information including one or more information of the date and time of departure of the foreigner, characterized in that stored in the storage medium (1935).

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged into won and recharged in the exchange transportation card, and the recharge amount information is charged to the foreign exchange transportation card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

20 is a diagram illustrating a foreign exchange exchange card card issuing process which is charged (or sold) through foreign currency according to an embodiment of the present invention.

In more detail, in FIG. 20, in the card issuance system shown in FIG. 19, a foreigner prepares a card issuance application through a card issuance interface (for example, the card issuance application and the employee terminal 1945 and communication network). When submitting (or orally providing the card issuance information) to the staff in charge, the card issuing staff enters (or selects) the card issuance application information corresponding to the card issuance application through a predetermined employee terminal 1945. When the card issuing server 1900 is transmitted to the card issuing server 1900, a process for issuing a foreign exchange exchange card for foreigners charged (or sold) to the foreigner based on the card issuing application information is performed through the foreign currency. As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 20 to exchange the foreign currency. Various implementation methods may be inferred for the process of issuing an exchange card for foreign exchange exchanged (or sold) only, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method illustrated in FIG. No.

Hereinafter, in FIG. 20, the employee terminal 1945 shown in FIG. 19 is referred to as a "terminal" for convenience, and the card issuing server 1900 is referred to as a "server" for convenience.

Referring to FIG. 20, a card-issuing interface (eg, the card issuance application and the employee's face-to-face interface) is issued to the foreigner in order to receive the foreign exchange exchange card for issuing a foreign exchange exchange card charged or exchanged through the foreign currency. Predetermined card issuance application (e.g., a document with a form for filling in at least one information item for issuing a foreign exchange exchange card charged or exchanged through the foreign currency) through the terminal 1945 and a communication network; After filling out and submitting to the card issuing staff, the terminal is input (or selected) the card issuing application information corresponding to the card issuance application prepared by the foreigner through a predetermined user interface by the card issuing staff ( x00), the card issuing application information is transmitted to the server through the communication network (x05).

According to the method of the present invention, the card issuing application information includes the passport information (or immigration transportation ticket information) of the card issuing foreigner, the exchange request amount information of the currency exchange unit in the currency exchange transportation card, and the exchange request It is preferable to include at least one foreign currency identification information on the amount of money and information on the date of departure.

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign exchange request amount information is foreign currency amount information provided by the foreigner to charge the foreign exchange transportation card through the foreign currency possessed by the foreign currency, and the foreign exchange request amount information includes a foreign currency unit charge request amount and an exchange fee. It is preferable.

According to one embodiment of the present invention, when the exchange transportation card is a straight line, the exchange request amount information includes a charge request amount and an exchange fee matched with a fixed charge amount in won according to the exchange rate corresponding to the foreign currency. It is preferable.

According to another exemplary embodiment of the present invention, when the exchange card is a rechargeable type, the exchange request amount information preferably includes an amount to be exchanged and charged in won according to the exchange rate corresponding to the foreign currency, and an exchange fee. .

The foreign currency identification information is information for identifying and identifying a foreign currency type and a monetary unit for the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

Preferably, the departure date and time information includes a scheduled transportation date and time for the entry and exit transportation ticket of the immigration transportation ticket domestic and the destination is a foreign country.

If the foreigner does not have a round-trip immigration vehicle ticket, the departure date and time information may be arbitrarily designated within a preset limit period, and the present invention is not limited thereto.

Thereafter, the server generates (or extracts) card information to be recorded on the IC chip provided in the exchange traffic card to be issued to the foreigner based on the card issuance application information (x10).

Here, the card information includes currency exchange traffic card information including one or more card numbers and issuer numbers (or codes) corresponding to the currency exchange traffic card.

Here, the card number included in the exchange exchange card information is any one of a domestic transportation card number system or an international card number system (for example, a card number system of a visa card or a card number system of a master card). It is preferable to comprise a.

For example, if the card number includes the international card number system, the card number includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit. desirable.

The passport information included in the exchange exchange card information may be obtained when a foreigner who has issued the exchange ticket has purchased a product through a duty free shop, and requests payment using the exchange card. It is preferable to include a passport number for tax exemption processing based on the information.

The issuing organization number (or code) included in the exchange exchange card information includes at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the exchange exchange card to the foreigner. It is preferable.

According to the exemplary embodiment of the present invention, the card information may further include information on the amount of charge in won, thereby making it possible to pay for a public transportation fee having an offline payment system through the exchange card. It becomes possible.

According to the exemplary embodiment of the present invention, the card information may further include departure date and time information, thereby confirming whether or not the scheduled departure date and time have elapsed at the time of using the exchange card. It is possible to restrict the use of public transportation through the exchange card in the range that the date and time does not pass.

According to the exemplary embodiment of the present invention, the card information may further include public transportation discount information. The public transportation discount information may include discounted public transportation information, discount amount (or discount rate) information, and discounted information. It is preferable to include at least one discount provider information to settle the public transportation fares, thereby allowing the foreigner to use the public transportation corresponding to the discount information on the discounted conditions.

According to the exemplary embodiment of the present invention, the card information may further include card payment discount information. The card payment discount information may include information about a merchant to be discounted, discount amount (or discount rate) information, and discounted payment. It is preferable to include at least one discount provider information to settle the price, thereby enabling the foreigner to use the card payment corresponding to the card payment discount information on a discounted condition.

If the card information is generated (x15), the server records the card information through the card issuing device 1940 on the IC chip included in the exchange card, or generates a traffic card applet including the card information. (Or manufactured) and write the IC card included in the exchange transportation card to issue the exchange transportation card (x20), passport information (or immigration vehicle ticket information) for the foreigner who receives the exchange transportation card; Foreign currency identification information corresponding to the foreign currency type used to charge the currency exchange card, information on the amount of charge in won units charged on the currency exchange card, currency exchange card information, and foreign currency issuer (or purchase) Currency exchange traffic card operation information including at least one scheduled departure date information is stored in the storage medium 1935 (x25).

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged into won and recharged in the exchange transportation card, and the recharge amount information is charged to the foreign exchange transportation card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

21 is a view showing a foreign exchange exchange card card issuing system for foreigners according to another embodiment of the present invention.

More specifically, Fig. 21 shows that foreigners who have a wireless terminal equipped with a USIM (or IC chip for wireless terminal) and enter for tourism purposes can exchange (or sell) foreign currency with the exchange card system through the card issue interface. If the card issuance application information for issuing a foreign exchange exchange card for exclusive use of foreigners is provided, a traffic card applet form in the USIM provided to the foreigner's wireless terminal based on the provided card issuance application information in the foreign exchange exchange card operation system. As a system configuration for issuing a currency exchange card of the present invention, a person having ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 21 to provide various foreign exchange exchange card issue system configurations. It would be possible to infer a method of implementation, but the present invention is directed to all implementations inferred above. Inclusion and shall not be limited to the exemplary method shown in the figure 21.

Hereinafter, the exchange card issued in the form of a traffic card applet to the USIM provided in the wireless terminal of the alien based on the card issuance application information provided from the alien through the card issuing interface on the card issuing system shown in FIG. 21. Components corresponding to at least one or more means and / or functional configurations are referred to as " card issuing server 2100 " for convenience.

Referring to this figure 21 according to the embodiment of the present invention, the foreign exchange exchange card card issuing system for exclusive use, characterized in that it comprises an employee terminal (2150) used by the card issuing staff provided in at least one financial institution branch The employee terminal 2150 is connected to a card issuing server 2100 provided on the exchange card management system through a predetermined communication network and a communication channel.

According to an exemplary embodiment of the present invention, the foreigner visits the financial institution branch for issuance of a foreign currency exchange transportation card which is charged (or sold) through the foreign currency and through a window (or card) provided at the financial institution branch. For issuance of a predetermined card issuance application for issuing a foreign exchange exchange card charged (or sold) through the foreign currency (for example, for issuing a foreign exchange exchange card charged or sold through the foreign currency) A foreign currency exchange transportation card for which a person is provided with a form for filling in at least one information item) (or the card issuer visits the foreigner and charges (or sells) the foreigner through the foreign currency) To fill out a prescribed card application form for issuance) To the card issuing staff, the card issuing staff enters (or selects) the information entered in the card issuing application through a predetermined staff terminal (2150), the staff terminal (2150) is the input ( Alternatively, it is preferable to transmit the selected information to the card issuing server 2100 provided on the exchange card operating system through the communication network.

Here, the employee terminal 2150 preferably comprises a window terminal used by the card issuing staff provided in the branch of the financial institution, the card issuing server 2100 connected to the employee terminal 2150 is the financial It is preferable to include a server provided on an institution (or an affiliated organization affiliated with a financial institution), the communication network connecting the employee terminal 2150 and the card issuing server 2100 and the employee terminal 2150 The card issuing server 2100 preferably comprises a communication network connecting the communication channel.

In the card issuance system as described above, a card issuance application created by the foreigner, and a finance that connects the employee terminal 2150 and the employee terminal 2150 and the card issuing server 2100 used by the card issuing staff. The network performs a function of a card issuing interface for registering the card issuing application information for issuing a foreign currency exchange transportation card for which the foreigner is charged (or sold) through the foreign currency.

After the storage medium 2140 provided on the exchange traffic card operating system according to the present invention issues a foreign exchange transportation card to the foreigner based on the card issuance application information provided from the employee terminal 2150, And exchange exchange card operation information according to issuance of the exchange card. The exchange card operation information stored in the storage medium 2140 is passport information (or entry / exit entry) for the foreigner who is issued the exchange card. Transportation ticket information) and a payment account (ie, through the online account registration system shown in FIG. 1 or FIG. 10) for processing the payment of the exchange card (or the check card function of the transportation card). The foreign currency identification information corresponding to the foreign currency type used for charging the online account) and the won unit charged in the currency exchange transportation card. When the card payment processing using the check card function provided in the payment amount information, the payment account information corresponding to the payment account, the payment amount information deposited into the payment account, and the exchange card, It is characterized in that the card comprises one or more discount information for payment, exchange card information and foreign exchange issuance date (or purchase) of the foreigner who issued (or purchased) the exchange card.

In addition, the exchange traffic card operation information stored in the storage medium 2140 is the deposit amount of the won unit of the currency exchange card charged in the remittance management account of the balance except the amount deducted in accordance with the use of transportation means Refund Expiry Date and Remaining Balance, excluding the amount deducted due to the use of transportation, from the amount charged in the won unit charged on the exchange card after the expiration date (or at the request of the alien) of the foreigner The foreign nationality information of the foreigner, the refundable account information for the target financial account for transferring the balance to the foreigner, the financial institution information corresponding to the financial institution where the refundable account is opened, and the like. The currency exchange card operation information may be used for transportation using the amount of money charged in won units charged in the currency exchange card. To the foreign exchange transfer information for the exchange process by the won currency exchange money transfer processing in the cash accounts for the balance of the target except for La the subtracted amount of money further comprises one or more are preferred.

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged into won and recharged in the exchange transportation card, and the recharge amount information is charged to the foreign exchange transportation card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

Preferably, the payment account information includes account information corresponding to an online account opened and processed through the online account registration system shown in FIG. 1 or FIG. 10. In order to process a payment request using the provided check card function, it is preferable that the foreign currency issued by the foreign exchange transportation card is the financial account in which the amount deposited (or the automatic exchange money transfer) is exchanged for foreign currency.

The deposit amount information is an amount of money (or automatic currency transfer) that the foreigner exchanged the foreign currency to exchange the foreign currency to process the payment request using the check card function provided in the exchange traffic card in the payment settlement account. It is preferable that it is this deposited amount.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

The card payment discount information may include discount amount (or discount rate) information for discounting a part (or all) of a corresponding amount when a foreigner requests a card payment through a predetermined affiliate store using the exchange card. It is preferable to comprise.

The refund expiration date and time information is when the foreigner who issued the exchange exchange card (or purchases a fixed-rate exchange card by exchanging foreign currency) departs or changes the schedule after the tourist schedule. If the balance of the exchange card has not been processed (i.e., has not been requested to exchange money or has not been transferred to the refundable account designated by the foreigner), the balance of the exchange card is deposited into the unpaid refund management account. It is preferable to include date and time information for processing.

The foreign nationality information includes the country name, country code (or country code), etc. of the country where the foreigner who issued the foreign exchange transportation card (or purchases the fixed currency exchange transportation card by exchanging foreign currency) resides in (or is listed on the passport). It is preferable to include at least one.

The refundable account information is charged to the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the foreign currency exchange card for foreign exchange). It is preferable to include at least one account number, an account alias for the financial account for the transfer of the balance except the amount deducted in accordance with the use of transportation among the amount of charge of the won unit.

The financial institution information is the original currency charged in the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the foreign currency exchange card for foreign currency exchange). In order to transfer the balance except the amount deducted according to the use of transportation among the amount of charge of the unit, it is preferable to include at least one or more financial institution name, financial institution code, etc. for the financial institution where the refundable account is opened. Do.

The foreign currency remittance information is the original currency charged in the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the fixed-rate foreign exchange transportation card by exchanging foreign currency). At least one or more of the reasons for remittance, the relationship with the remitter for remittance processing to the financial institution where the refundable account is opened, in order to transfer the balance except the amount deducted according to the use of transportation means It is preferable to make.

According to an embodiment of the present invention, the storage medium 2140 is preferably provided in a DBMS on a predetermined financial system provided on the exchange card operating system (or associated with the exchange card operating system). In this case, the storage medium 2140 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 2140 interoperates with a server (or device) that operates the exchange transportation card using the exchange transportation card operation information on the exchange transportation card operation system. It is preferable that the DBMS is provided. In this case, the location where the storage medium 2140 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 2100 provided on the currency exchange card operating system according to the present invention is a generic term for the component of the currency exchange card operating system side connected to the employee terminal 2150 through a predetermined communication network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, the card issuing server 2100 is provided with an interface unit 2105 (or interface means) for providing a card issuing interface to the employee terminal 2150 through the communication network. do.

According to an embodiment of the present invention, the interface unit 2105 connects a predetermined communication channel with the employee terminal 2150 based on the protocol stack defined in the financial network, and is provided in the employee terminal 2150. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program.

Referring to FIG. 21, the card issuing server 2100 is linked with the interface 2105 when a predetermined employee terminal 2150 is connected to the card issuing server 2100 through the interface 2105. An interface providing unit 2110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined card issuance application information from the employee terminal 2150 and providing it to the employee terminal 2150 ( Or an interface providing unit) and an information receiving unit 2115 for receiving predetermined card issuing application information transmitted from the employee terminal 2150 via the user interface in connection with the interface unit 2105. (Or information receiving means) and card information for generating (or extracting) card information to be recorded on the IC chip provided in the exchange transportation card to be issued to the foreigner based on the received card issuance application information. Beam generating unit 2120 (or information generating means), an applet generating unit 2125 (or applet generating means) for generating a traffic card applet containing the card information, and the traffic card applet through a predetermined wireless communication network. A card issuing unit (2135) (or card issuing means) for issuing the currency exchange transportation card by providing a to a wireless terminal of the foreigner and recording it in a USIM provided in the foreign terminal of the foreigner; And an information storage unit 2130 (or information storage means) for storing currency exchange card operation information corresponding to a card in the storage medium 2140.

The interface providing unit 2110 corresponds to a functional configuration provided in the employee terminal 2150 when a predetermined employee terminal 2150 is connected to the card issuing server 2100 through the interface unit 2105. Create a predetermined user interface capable of inputting (or selecting) card issuing application information and transmitting it to the card issuing server 2100 via the communication network, and / or extracting from a predetermined database (not shown), The user interface 2150 may be provided to the employee terminal 2150 through the communication network.

Thereafter, the employee terminal 2150 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server 2100 receives the input (or selected) card issuing application information through the communication network. To send).

According to an embodiment of the present invention, the interface providing unit 2110 generates (or extracts) a predetermined user interface that can be provided by a card issuance application program included in the employee terminal 2150, and the interface unit 2105 is provided. It is preferable to provide the created (or extracted) user interface to the employee terminal 2150 through.

The information receiving unit 2115 inputs (or selects) predetermined card issuing application information through the user interface in the employee terminal 2150 and transmits the information through the communication network. The card is interlocked with the interface unit 2105. Characterized in that it receives the issuing application information.

According to the method of the present invention, the card issuing application information includes the passport information (or immigration transportation ticket information) of the card issuing foreigner, the exchange request amount information of the currency exchange unit in the currency exchange transportation card, and the exchange request It is preferable to include at least one foreign currency identification information on the amount of money and information on the date of departure.

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign exchange request amount information is foreign currency amount information provided by the foreigner to charge the foreign exchange transportation card through the foreign currency possessed by the foreign currency, and the foreign exchange request amount information includes a foreign currency unit charge request amount and an exchange fee. It is preferable.

According to one embodiment of the present invention, when the exchange transportation card is a straight line, the exchange request amount information includes a charge request amount and an exchange fee matched with a fixed charge amount in won according to the exchange rate corresponding to the foreign currency. It is preferable.

According to another exemplary embodiment of the present invention, when the exchange card is a rechargeable type, the exchange request amount information preferably includes an amount to be exchanged and charged in won according to the exchange rate corresponding to the foreign currency, and an exchange fee. .

The foreign currency identification information is information for identifying and identifying a foreign currency type and a monetary unit for the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

Preferably, the departure date and time information includes a scheduled transportation date and time for the entry and exit transportation ticket of the immigration transportation ticket domestic and the destination destination is foreign.

If the foreigner does not have a round-trip immigration vehicle ticket, the departure date and time information may be arbitrarily designated within a preset limit period, and the present invention is not limited thereto.

The information generation unit 2120 generates (or extracts) predetermined card information to be provided in the foreign exchange transportation card to the foreigner based on the card issuance application information received through the information receiving unit 2115. The card information includes currency exchange traffic card information including at least one card number and an issuer number (or code) corresponding to the currency exchange card.

Here, the card number included in the exchange exchange card information is any one of a domestic transportation card number system or an international card number system (for example, a card number system of a visa card or a card number system of a master card). It is preferable that the made to include.

For example, if the card number includes the international card number system, the card number includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit. desirable.

The passport information included in the exchange exchange card information may be obtained when a foreigner who has issued the exchange ticket has purchased a product through a duty free shop, and requests payment using the exchange card. It is preferable to include a passport number for tax exemption processing based on the information.

The issuing organization number (or code) included in the exchange exchange card information includes at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the exchange exchange card to the foreigner. It is preferable.

According to the exemplary embodiment of the present invention, the card information may further include information on the amount of charge in won, thereby making it possible to pay for a public transportation fee having an offline payment system through the exchange card. It becomes possible.

According to the exemplary embodiment of the present invention, the card information may further include departure date and time information, thereby confirming whether or not the scheduled departure date and time have elapsed at the time of using the exchange card. It is possible to restrict the use of public transportation through the exchange card in the range that the date and time does not pass.

According to the exemplary embodiment of the present invention, the card information may further include public transportation discount information. The public transportation discount information may include discounted public transportation information, discount amount (or discount rate) information, and discounted information. It is preferable to include at least one discount provider information to settle the public transportation fares, thereby allowing the foreigner to use the public transportation corresponding to the discount information on the discounted conditions.

According to the exemplary embodiment of the present invention, the card information may further include card payment discount information. The card payment discount information may include information about a merchant to be discounted, discount amount (or discount rate) information, and discounted payment. It is preferable to include at least one discount provider information to settle the price, thereby enabling the foreigner to use the card payment corresponding to the card payment discount information on a discounted condition.

When the card information to be recorded on the IC chip included in the exchange card is generated by the information generator 2120, the applet generator 2125 generates a predetermined traffic card applet including the card information. Characterized in that, the traffic card applet is recorded in the USIM provided in the wireless terminal of the foreigner, preferably comprises a file structure that is operable on the chip operating system (COS) on the USIM.

According to an embodiment of the present invention, when the amount of charge information is included in the card information, the traffic card applet functions as an applet function of deducting an amount corresponding to the public transportation fee among the charges when using public transportation through the exchange money exchange card. It is preferable to comprise a.

When the card information includes departure date and time information according to an embodiment of the present invention, the traffic card applet checks the current date and time in connection with a traffic card terminal when using public transportation through the exchange card. It is preferable to include an applet function for checking whether the scheduled departure date has elapsed on the basis of the current date, and deactivating the exchange exchange card function when the scheduled departure date has elapsed.

According to the embodiment of the present invention, when the public transportation discount information is included in the card information, the traffic card applet checks the public transportation information being used in connection with the transportation card terminal when using the public transportation through the currency exchange transportation card, It is preferable to include an applet function for checking whether the public transportation is a discounted public transportation and discounting the public transportation fare through a discount amount (or a discount rate) information corresponding to the discounted public transportation.

When the traffic card applet is generated by the applet generating unit 2125, the card issuing unit 2135 transmits the traffic card applet to the foreign terminal's wireless terminal through a wireless communication network corresponding to the foreign terminal's wireless terminal information. Thus, the foreign exchange wireless card is issued to the foreigner by recording the traffic card applet in the USIM provided in the wireless terminal in the foreign terminal.

Thereafter, the information storage unit 2130 is the passport information (or entry and exit of the immigration card) for the card issuance application information received from the foreigner through the information receiving unit 2115 and the foreigner who is issued the exchange transportation card included in the card information Transportation ticket information), foreign currency identification information corresponding to the foreign currency type used to charge the currency exchange card, charge amount information of the currency unit charged in the currency exchange card, currency exchange card information and the currency exchange card. (Or purchase) currency exchange traffic card operation information including one or more information of the date of departure of the foreigner is stored in the storage medium 2140.

Here, the passport information of the foreigner is unique information contained in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (eg, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged into won and recharged in the exchange transportation card, and the recharge amount information is charged to the foreign exchange transportation card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of payment for public transportation charges when charging a foreign currency corresponding to the foreign currency identification information into a unit of currency, and using domestic public transportation. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

22 is a diagram illustrating a foreign exchange exchange card card issuing process which is charged (or sold) through foreign currency according to another embodiment of the present invention.

In more detail, in FIG. 22, in the card issuance system shown in FIG. 21, a foreigner prepares a card issuance application through a card issuance interface (for example, the card issuance application and the employee terminal 2150 and a communication network). When submitting (or orally providing the card issuance information) to the staff in charge, the card issuing staff enters (or selects) the card issuance application information corresponding to the card issuance application through a predetermined employee terminal 2150. Transmitting to the card issuing server 2100 and issuing a foreign currency exchange transportation card which is charged (or sold) to the foreigner through the foreign currency based on the card issuing application information at the card issuing server 2100. As illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 22 to exchange the foreign currency. Various implementation methods may be inferred for the process of issuing a foreign exchange currency card for charge (or sale) for foreigners, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 22, the employee terminal 2150 shown in FIG. 21 is referred to as "terminal" for convenience, and the card issuing server 2100 is referred to as "server" for convenience.

Referring to FIG. 22, a foreigner face-to-face card issuing interface (eg, the card issuance application and the employee) issuing the foreign exchange exchange card for issuing a foreign exchange exchange card charged or exchanged through the foreign currency. Predetermined card issuance application (for example, a document with a form for filling in at least one information item for issuing a foreign exchange exchange card charged or exchanged through the foreign currency) through the terminal 2150 and a communication network) After filling out and submitting to the card issuing staff, the card issuing staff by the card issuing staff receives (or select) the card issuing application information corresponding to the card issuance application prepared by the foreigner through a predetermined user interface (x00) ), And transmits the card issuing application information to the server through the communication network (x05).

According to the method of the present invention, the card issuing application information includes the passport information (or immigration transportation ticket information) of the card issuing foreigner, the exchange request amount information of the currency exchange unit in the currency exchange transportation card, and the exchange request It is preferable to include at least one foreign currency identification information on the amount of money and information on the date of departure.

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign exchange request amount information is foreign currency amount information provided by the foreigner to charge the foreign exchange transportation card through the foreign currency possessed by the foreign currency, and the foreign exchange request amount information includes a foreign currency unit charge request amount and an exchange fee. It is preferable.

According to one embodiment of the present invention, when the exchange transportation card is a straight line, the exchange request amount information includes a charge request amount and an exchange fee matched with a fixed charge amount in won according to the exchange rate corresponding to the foreign currency. It is preferable.

According to another exemplary embodiment of the present invention, when the exchange card is a rechargeable type, the exchange request amount information preferably includes an amount to be exchanged and charged in won according to the exchange rate corresponding to the foreign currency, and an exchange fee. .

The foreign currency identification information is information for identifying and identifying a foreign currency type and a monetary unit for the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

Preferably, the departure date and time information includes a scheduled transportation date and time for the entry and exit transportation ticket of the immigration transportation ticket domestic and the destination destination is foreign.

If the foreigner does not have a round-trip immigration vehicle ticket, the departure date and time information may be arbitrarily designated within a preset limit period, and the present invention is not limited thereto.

Thereafter, the server generates (or extracts) card information to be recorded on the IC chip provided in the exchange traffic card to be issued to the foreigner based on the card issuance application information (x10).

Here, the card information includes currency exchange traffic card information including one or more card numbers and issuer numbers (or codes) corresponding to the currency exchange traffic card.

Here, the card number included in the exchange exchange card information is any one of a domestic transportation card number system or an international card number system (for example, a card number system of a visa card or a card number system of a master card). It is preferable that the made to include.

For example, if the card number includes the international card number system, the card number includes a 4-digit card issuer number, a 2-digit card type number, a 9-digit serial number, and a check digit. desirable.

The passport information included in the exchange exchange card information may be obtained when a foreigner who has issued the exchange ticket has purchased a product through a duty free shop, and requests payment using the exchange card. It is preferable to include a passport number for tax exemption processing based on the information.

The issuing organization number (or code) included in the exchange exchange card information includes at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the exchange exchange card to the foreigner. It is preferable.

According to the exemplary embodiment of the present invention, the card information may further include information on the amount of charge in won, thereby making it possible to pay for a public transportation fee having an offline payment system through the exchange card. It becomes possible.

According to the exemplary embodiment of the present invention, the card information may further include departure date and time information, thereby confirming whether or not the scheduled departure date and time have elapsed at the time of using the exchange card. It is possible to restrict the use of public transportation through the exchange card in the range that the date and time does not pass.

According to the exemplary embodiment of the present invention, the card information may further include public transportation discount information. The public transportation discount information may include discounted public transportation information, discount amount (or discount rate) information, and discounted information. It is preferable to include at least one discount provider information to settle the public transportation fares, thereby allowing the foreigner to use the public transportation corresponding to the discount information on the discounted conditions.

According to the exemplary embodiment of the present invention, the card information may further include card payment discount information. The card payment discount information may include information about a merchant to be discounted, discount amount (or discount rate) information, and discounted payment. It is preferable to include at least one discount provider information to settle the price, thereby enabling the foreigner to use the card payment corresponding to the card payment discount information on a discounted condition.

If the card information is generated (x15), the server generates a traffic card applet including the card information (x20).

According to an embodiment of the present invention, when the amount of charge information is included in the card information, the traffic card applet functions as an applet function of deducting an amount corresponding to the public transportation fee among the charges when using public transportation through the exchange money exchange card. It is preferable to comprise a.

When the card information includes departure date and time information according to an embodiment of the present invention, the traffic card applet checks the current date and time in connection with a traffic card terminal when using public transportation through the exchange card. It is preferable to include an applet function for checking whether the scheduled departure date has elapsed on the basis of the current date, and deactivating the exchange exchange card function when the scheduled departure date has elapsed.

According to the embodiment of the present invention, when the public transportation discount information is included in the card information, the traffic card applet checks the public transportation information being used in connection with the transportation card terminal when using the public transportation through the currency exchange transportation card, It is preferable to include an applet function for checking whether the public transportation is a discounted public transportation and discounting the public transportation fare through a discount amount (or a discount rate) information corresponding to the discounted public transportation.

Thereafter, the server transmits the generated traffic card applet to the foreign terminal's wireless terminal through a wireless communication network corresponding to the foreign terminal's wireless terminal information included in the card issuance application information (x25).

Here, the traffic card applet preferably comprises a file structure that is recorded in a USIM provided in the foreign terminal's wireless terminal and is operable on a chip operating system (COS) on the USIM.

According to the method of the present invention, the server reads the wireless terminal information of the foreigner included in the card issuing application information to identify a wireless communication network corresponding to the wireless terminal information of the foreigner, a predetermined applet connected to the wireless communication network It is preferable to transmit the generated traffic card applet to the foreign terminal's wireless terminal through the provision server 2145.

Those skilled in the art to which the present invention pertains, various methods of transmitting the traffic card applet from the applet providing server 2145 to the wireless terminal of the foreigner (for example, wireless message and callback URL (Callback URL) In this case, the present invention may be inferred, but the present invention is characterized by including all implementation methods inferred.

Thereafter, the wireless terminal of the foreigner records the received traffic card applet in the USIM provided in the corresponding wireless terminal, thereby issuing a exchange traffic card corresponding to the traffic card applet (x30).

Thereafter, the server provides passport information (or immigration vehicle ticket information) for the foreigner who is issued the currency exchange transportation card, foreign currency identification information corresponding to the foreign currency type used to charge the currency exchange transportation card, and the currency exchange transportation card. Store the exchange currency card operation information including at least one charge amount information in the unit of won, exchange currency card information and at least one scheduled departure date information of the foreigner who issued (or purchased) the foreign exchange card. (X35)

Here, the passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.), It is preferable to include a passport number indicated on the passport, and to include at least one country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include at least one date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged into won and recharged in the exchange transportation card, and the recharge amount information is charged to the foreign exchange transportation card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

FIG. 23 is a diagram illustrating an offline-based card payment system configuration through an exchange traffic card according to an embodiment of the present invention.

More specifically, FIG. 23 shows a check card function provided in the exchange card when the payment is processed through a predetermined offline payment channel using the exchange card issued through the card issuing system shown in FIG. 19 or 21. As an offline card payment system for processing a payment service using the present invention, those of ordinary skill in the art to which the present invention pertains, the offline card payment through the currency exchange card by referring to and / or modified in this drawing 23 Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 23, the offline card payment system through the exchange traffic card includes a payment terminal 2355 provided at a predetermined offline affiliated store and an exchange traffic card operation server 2300 for processing payment approval for the exchange traffic card; And a communication network (eg, a Value Added Network (VAN)) connecting the payment terminal 2355 and a currency exchange card management server 2300.

In FIG. 23, a currency exchange card management server 2300 including at least one exchange card card exchange server 2300 on the offline card payment system through the exchange card is shown as one server. If only one embodiment for effectively explaining the feature, various functional components constituting the currency exchange card operation server 2300 may be implemented through at least two or more separate servers (or devices), whereby the present invention It is not limited.

The payment terminal 2355 on the offline card payment system is characterized in that it comprises at least one or more points of sales (POS) terminal equipped with a credit authorization terminal (CAT), and / or payment function, at least one or more After reading the predetermined card information from the exchange exchange card through the card reader, input the payment amount, etc. through a predetermined key input device, and complete the payment approval request message including the card information, payment amount and the merchant information It generates and transmits to the exchange exchange card management server 2300 through the communication network (for example, VAN).

In addition, the exchange traffic card operation server 2300 on the offline card payment system, characterized in that it comprises at least one or more servers provided in the card company to process the payment approval for the exchange traffic card, the payment After receiving the payment approval request message including the card information, the payment amount and the merchant information from the terminal 2355, the payment amount contained in the payment approval request message through the exchange traffic card characterized in that payment approval processing It is done.

In addition, the communication network connecting the payment terminal 2355 and the exchange traffic card operation server 2300 in the offline card payment system is based on at least one or more backbone networks, the payment terminal 2355 and the exchange traffic card operation server ( It is characterized in that it comprises at least one bansa server (not shown) and wired or wireless communication network relaying at least one or more payment-related full text between the 2300.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal 2355 and the technical features of the conventional currency exchange card management server 2300 and the payment terminal 2355 and currency exchange card management server Since it will be familiar with the technical features of the communication network connecting the 2300, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the exchange traffic card operation server 2300 may provide passport information (or immigration vehicle ticket) for a foreigner who issued the exchange card through the card issuing system shown in FIG. 19 or 21. Information), currency exchange card information corresponding to the exchange card issued to the customer, card payment discount information for providing a corresponding credit card discount during card payment processing using the currency card, and A predetermined storage medium 2350 for storing the payment account information for the payment account associated with the exchange card and the payment amount information corresponding to the amount deposited in the payment account; Interworking with a predetermined DBMS operating the medium 2350, or interworking with a DB server (not shown) provided with the storage medium 2350 desirable.

The passport information of the foreigner is unique information included in a passport issued by a country that manages the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.). It includes a passport number shown in, preferably consisting of one or more country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The card payment discount information may include discount amount (or discount rate) information for discounting a part (or all) of a corresponding amount when a foreigner requests a card payment through a predetermined affiliate store using the exchange card. It is preferable to comprise.

Preferably, the payment account information includes account information corresponding to an online account opened and processed through the online account registration system shown in FIG. 1 or FIG. 10. In order to process a payment request using the provided check card function, it is preferable that the foreign currency issued by the foreign exchange transportation card is the financial account in which the amount deposited (or the automatic exchange money transfer) is exchanged for foreign currency.

The deposit amount information is an amount of money (or automatic currency transfer) that the foreigner exchanged the foreign currency to exchange the foreign currency to process the payment request using the check card function provided in the exchange traffic card in the payment settlement account. It is preferable that it is this deposited amount.

Referring to FIG. 23, the exchange traffic card operation server 2300 may transmit and receive a payment related professional transmission and reception with at least one payment terminal 2355 through a communication network including at least one VAN and / or a financial common network. Interface unit 2305 (or interface means) for connecting and managing a communication channel for the connection, and at least one or more card information, payment amount and merchant information from the payment terminal 2355 in association with the interface unit 2305 A professional receiving unit 2310 (or a professional receiving unit) for receiving a payment approval request message, which is connected with the interface unit 2305, to the payment terminal 2355 for a payment approval result message corresponding to the full payment approval request message. It is characterized by comprising a specialized transmission unit 2315 (professional transmission means) for transmission.

The payment terminal 2355 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. 2310 is characterized in that for receiving the full payment approval request in association with the interface unit 2305.

If the payment approval procedure corresponding to the payment approval request message is completed in the exchange traffic card operation server 2300 and a payment approval result message including a predetermined payment processing history is generated, the message transmission unit 2315 may transmit the message. The payment approval result information is transmitted to the payment terminal 2355 in association with the interface unit 2305.

Those skilled in the art to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network and / or financial common network. Detailed description is omitted for convenience.

Referring to FIG. 23, when the exchange traffic card operation server 2300 receives the full payment approval request message including the card information, the payment amount, and the affiliated store information from the payment terminal 2355 through the information receiver, Card information confirmation unit 2320 (or card information confirmation) for confirming whether the card information included in the received payment approval request text is matched with the exchange traffic card information issued through the card issuing system shown in FIG. 19 or 21. Means), and when the card information included in the payment approval request text is matched with the exchange traffic card information provided in the storage medium 2350, a payment account associated with the card information in connection with the storage medium 2350. The payment approval processing unit 2325 (or payment approval) for processing the payment approval of the payment amount through the currency exchange card by comparing the payment amount deposited in the Processing means) and an information generating unit 2330 for generating predetermined payment processing history information including a payment processing result including one of predetermined payment error information and payment approval information corresponding to the payment approval processing ( Or information generating means) and storing information in a predetermined transaction history D / B 2345, which stores predetermined transaction history information, which is classified by date and time, in a payment process history including predetermined payment approval information among the payment processing results. It is characterized in that it comprises a unit (2335) (or information storage means), the generated payment processing history information is characterized in that it is transmitted to the payment terminal 2355 through the specialized transmission unit (2315).

When the payment approval request message including the card information, the payment amount, and the merchant information is received from the payment terminal 2355 through the information receiving unit, the card information verification unit 2320 is received from the payment terminal 2355. It is characterized in that the card information included in the full payment approval request is matched with the exchange traffic card information issued through the card issuing system shown in FIG. 19 or 21.

According to the exemplary embodiment of the present invention, the card information checking unit 2320 uses the card information included in the full payment approval request as a keyword to search / search for exchange traffic card information stored in the storage medium 2350. It is preferable to check whether the card information included in the full payment approval request message is exchange traffic card information issued through the card issuing system shown in FIG. 19 or 21.

In addition, the card information verification unit 2320, when the payment approval request further includes passport information of the foreigner, it is preferable to authenticate the foreigner based on the passport information of the foreigner, the authentication for the foreigner Upon completion, it is preferable that the foreigner do duty-free processing for goods purchased through the duty free shop or the like.

In addition, the card information check unit 2320 is a card payment discount information for processing a discount (partial or total) of the payment amount in order to process the payment amount requested through the exchange card, the storage medium (2350) It is preferable to check whether the information is stored in the card, and correspondingly, it is preferable to store the card payment discount information in connection with the transaction information.

When the card information included in the payment approval request text is matched with the exchange traffic card information provided in the storage medium 2350, the payment approval processing unit 2325 is associated with the confirmed card information from the storage medium 2350. Check the payment account information for the exchange currency card processed and stored, compare the amount deposited (or withdrawable) in the confirmed payment account with the payment amount and pay the payment amount through the currency exchange card. And to approve the processing.

According to an exemplary embodiment of the present invention, the payment means corresponding to the confirmed exchange traffic card information includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined payment account. If so, the payment approval processing unit 2325 checks the predetermined payment account information stored in connection with the exchange money card information from the storage medium 2350, and the predetermined financial system with the payment account opened; After confirming the payment account balance in association, and comparing the payment amount and the payment amount of the confirmed payment account, it is characterized in that the payment approval for the payment amount through the exchange transportation card.

If the deposit amount information stored in association with the card information is directly stored in the storage medium 2350, the payment approval processing unit 2325 is stored in association with the card information from the storage medium 2350. After confirming the amount of money, it is possible to process the payment approval for the amount of payment through the currency exchange card by comparing the confirmed amount of payment with the amount of payment.

The payment approval processing unit 2325 performs predetermined payment error information (eg, payment error code) or payment approval information (eg, payment approval number) in the process of processing payment approval for the payment amount through the exchange card. Characterized by generating a payment processing result including any one of.

When a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number) is generated by the payment approval processing unit 2325, the information generation unit ( 2330 may generate predetermined payment processing history information including the card information, payment amount information, merchant information, and payment processing result, and the specialized transmission unit 2315 may be connected to the interface unit 2305. The predetermined payment approval result including the payment processing history information is characterized in that it is transmitted to the payment terminal (2355) through the communication network.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 2325, the information storage unit 2335 may perform the payment processing history information (eg, the Predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information. Characterized in that stored in.

Referring to FIG. 23, the exchange card management server 2300 includes a settlement processing unit 2340 (or settlement processing means) that performs settlement processing corresponding to the generated (or stored) payment processing history information. It is characterized by.

According to the implementation method of the present invention, the settlement processing for the transaction history information, calculates a discount settlement amount for each discount provider that provided a card payment discount in response to the card payment discount information included in the transaction history information, Withdraw the discount settlement amount for each discount provider from the discount settlement account of the discount provider and deposit the discount settlement amount for the discount provider to the payment settlement account (or exchange traffic card operation account) associated with the exchange card. It is desirable to.

In addition, in the settlement processing for the transaction history information, it is preferable to classify the payment amount included in the transaction history information for each merchant and deposit the transaction into the settlement processing account of the merchant.

24 is a diagram illustrating an offline payment approval process through an exchange traffic card according to an embodiment of the present invention.

More specifically, FIG. 24 shows a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 23 through an exchange transportation card issued through the card issuing system shown in FIG. 19 or 21. In the foreign exchange payment card operation server 2300 is an offline payment processing process for processing the payment service using the check card function provided in the exchange traffic card, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying the drawing 24, various implementation methods for the offline payment process through the exchange card can be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 24, a payment approval request message including the card information, the payment amount, and the merchant information is generated in the payment terminal 2355 on the offline card payment system shown in FIG. (2400), the exchange exchange card operation server 2300 receives the payment approval request message, and the card information included in the received payment approval request message is shown in FIG. 19 or 21. Is issued through the card issuing system and checks whether the match with the exchange traffic card information stored in the storage medium (2350) (2405).

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the payment approval request text as a keyword to search / search for exchange traffic card information stored in the storage medium 2350, whereby the card information is displayed. It is preferable to check whether the exchange card information is issued through the card issuing system shown in FIG.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedures of the payment terminal 2355 for transmitting the full payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the payment approval request message is not matched with the exchange traffic card information stored in the storage medium 2350 (2410), the exchange traffic card operation server 2300 is the card information error code. A payment approval result including a full text is generated and transmitted to the payment terminal 2355 (2415).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the exchange traffic card information stored in the storage medium 2350 (2410), the exchange traffic card operation server 2300 is the storage medium. In operation 2420, the limit amount of the exchange transportation card is checked based on the payment account information associated with the exchange transportation card information.

According to an exemplary embodiment of the present invention, the payment means corresponding to the confirmed exchange traffic card information includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined payment account. If so, the exchange exchange card management server 2300 checks predetermined payment settlement account information stored in association with the exchange exchange card information from the storage medium 2350, and the predetermined finance in which the payment settlement account is opened. After confirming the payment account balance in connection with the system, by comparing the confirmed payment account balance and the payment amount, it is characterized in that the payment approval for the payment amount through the exchange transportation card.

If the limit amount for the exchange traffic card is confirmed (2425), the exchange traffic card operation server 2300 compares the payment amount with the limit amount, thereby processing the payment amount using the exchange money card. A payment approval procedure for performing the procedure is performed (2430).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (2435), the exchange traffic card operation server 2300 includes payment error information (eg, a payment error code) for the exchange traffic card. Generate payment processing information (2440), and generates a payment approval result full text including the payment processing history and transmits to the payment terminal (2355) (2455).

On the other hand, if the payment approval is confirmed as a result of the payment approval (2435), the exchange card operation server 2300 exchange card information, payment amount information, merchant information and payment approval information (e.g. payment approval number) Generate payment processing history information including 2445), the transaction processing information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in the details D / B (2345) (2450), a full text of the payment approval result including the payment processing history is generated and transmitted to the payment terminal (2355) (2455).

25 is a diagram illustrating an offline payment approval process through an exchange traffic card according to another embodiment of the present invention.

In more detail, FIG. 25 shows a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 23 through an exchange transportation card issued through the card issuing system shown in FIG. 19 or 21. In the foreign exchange payment card operation server 2300 is an offline payment processing process for processing the payment service using the check card function provided in the exchange traffic card, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying this drawing 25, various implementation methods for the offline payment process through the exchange card can be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 25, the payment terminal 2355 on the offline card payment system shown in FIG. 23 generates the full payment approval request message including the card information, the payment amount, and the affiliated store information. (2500), the exchange exchange card management server 2300 receives the full payment approval request message, and the card information included in the received full payment approval request message is shown in FIG. 19 or 21. Is issued through a card issuing system and checks whether the match with the exchange traffic card information stored in the storage medium (2350) (2505).

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the payment approval request text as a keyword to search / search for exchange traffic card information stored in the storage medium 2350, whereby the card information is displayed. It is preferable to check whether the exchange card information is issued through the card issuing system shown in FIG.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedures of the payment terminal 2355 for transmitting the full payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the payment approval request message is not matched with the exchange traffic card information stored in the storage medium 2350 (2510), the exchange traffic card operation server 2300 is the card information error code. The payment approval result including the full text is generated and transmitted to the payment terminal 2355 (2515).

On the other hand, if it is confirmed that the card information included in the payment approval request message is matched with the exchange traffic card information stored in the storage medium 2350 (2510), the exchange traffic card operation server 2300 is the storage medium. In operation 2520, the limit amount for the exchange traffic card is checked based on the deposit amount information associated with the exchange traffic card information.

According to an exemplary embodiment of the present invention, the payment means corresponding to the confirmed exchange traffic card information includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined payment account. If so, the foreign exchange traffic card operation server 2300 checks the predetermined deposit amount information stored in association with the exchange exchange card information from the storage medium 2350 and compares the confirmed deposit amount with the payment amount. By doing so, it is characterized in that the payment approval for the payment amount through the exchange transportation card.

If the limit amount for the exchange traffic card is confirmed (2525), the exchange traffic card operation server 2300 compares the payment amount with the limit amount to process the payment amount using the exchange traffic card. In step 2530, the payment approval procedure is performed.

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (2535), the exchange traffic card operation server 2300 includes payment error information (eg, a payment error code) for the exchange traffic card. Generates payment processing history information (2540), generates a payment approval result text including the payment processing history and transmits to the payment terminal (2355) (2555).

On the other hand, if the payment approval is confirmed as a result of the payment approval (2535), the exchange card operation server 2300 exchange card information, payment amount information, merchant information and payment approval information (e.g. payment approval number) Generate payment processing history information, including (2545), the transaction processing information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in the details D / B (2345) (2550), and generates a full payment approval result including the payment processing details to transmit to the payment terminal (2355) (2555).

26 is a diagram showing a foreign exchange exchange card operation system for foreigners according to the embodiment of the present invention.

More specifically, FIG. 26 is a foreigner who is charged (or sold) through foreign currency with a foreign exchange exchange card operation system for foreigners entering the country for tourism purposes through the foreign exchange exchange card card issuing system for foreigners shown in FIG. It is for foreigners who have issued or exchanged a special currency exchange card or have a wireless terminal equipped with a USIM (or IC chip for wireless terminal) through the foreign exchange exchange card management system shown in FIG. After issuing and processing a foreign exchange exchange card that is charged (or sold) through foreign currency with the foreign exchange exchange card operation system, the transportation fee is paid for boarding one or more means of transportation using the issued exchange exchange card. The foreigner with the exchange card or before the scheduled departure date As a configuration of a system for requesting payment processing or automatically refunding after the departure date of a foreigner carrying the exchange transportation card, the person having ordinary knowledge in the technical field to which the present invention belongs, will refer to FIG. And / or may be modified to infer various implementation methods for the foreign exchange exchange card management system configuration, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. No.

Hereinafter, a foreign exchange exchange transportation card which is charged (or sold) through foreign currency with a foreign exchange exchange card operation system for foreigners entering the country for tourist purposes through the foreign exchange exchange card card issuing system shown in FIG. Exchange exchange card for foreigners who have a wireless terminal equipped with USIM (or wireless terminal IC chip) and enter for tourism purposes through issuance processing or foreign exchange exchange card system for foreigners shown in FIG. After issuing and processing a foreign exchange exchange card that is charged (or sold) through foreign currency through the system, processing the transportation fee payment for the case of boarding one or more transportation means using the issued exchange exchange card , Or a foreigner with the exchange card requested for refund before the scheduled departure date. It is referred to as I, or the components for convenience "exchange traffic card management server 2600" corresponding to at least one or more means and / or the functional component to handle automatic refund after the departure date of the foreign exchange carry the traffic card.

Referring to this drawing 26 according to the embodiment of the present invention, the foreign exchange exchange card management system for exclusive use, the employee terminal (2650) used by the card management staff provided in at least one branch (or branch) of the financial institution The employee terminal 2650 is connected to the exchange traffic card operation server 2600 provided on the exchange traffic card operation system through a predetermined communication network.

According to one embodiment of the present invention, the foreigner branch (or branch) for the refund request for the remaining balance of the amount charged in the foreign currency exchange transportation card that is charged (or sold) through the foreign currency ) Through the window (or through the card management staff) provided at the branch (or branch) of the financial institution, and enter the country for tourism purposes through the foreign exchange exchange card card issuing system shown in Fig. 19 or 21. Issuing and processing foreign exchange exchange card for foreigners charged (or sold) through foreign exchange with foreign exchange exchange card operation system for foreigners, or USIM (or wireless) through foreign exchange exchange transportation card operation system shown in FIG. Exchange money exchange for foreigners who have a wireless terminal equipped with a terminal IC chip) A refund application (for example, a request for refund of the remaining balance used by a foreigner who has been issued a foreign exchange exchange card charged or exchanged through a foreign currency) (A document having a form for filling in at least one information item for requesting a refund of the remaining balance among the amounts charged in the foreign currency exchange transportation card charged (or sold) through the foreign currency); Or a predetermined refund for the request for reimbursement of the remaining balance of the amount charged in the foreign currency exchange transportation card which is charged (or sold) to the foreigner by the card management staff visiting the foreigner. To complete the application form) When the card is submitted to the member, the card management staff inputs (or selects) the information entered in the refund application form through a predetermined staff terminal 2650, and the staff terminal 2650 inputs (or selects) the information. It is preferable to transmit to the money exchange card management server 2600 provided on the money exchange card operating system through the communication network.

Here, the employee terminal 2650 preferably comprises a window terminal used by the card management staff provided in the branch (or branch) of the financial institution, the exchange traffic card operation server connected to the employee terminal (2650) It is preferable that the 2600 includes a server provided on the financial institution (or an affiliated institution affiliated with the financial institution), and the communication network connecting the employee terminal 2650 and the exchange card card exchange server 2600. The employee terminal 2650 and the currency exchange card management server 2600 preferably comprises a communication network connecting the communication channel.

In the card issuing system as described above, a refund application made by the foreigner, which connects the employee terminal 2650 and the employee terminal 2650 used by the card management staff and the exchange transportation card operation server 2600 The financial network provides a function of a refund request interface for registering refund request information for requesting a refund of the remaining balance used by the foreigner in a foreign currency exchange transportation card charged (or sold) through the foreign currency. Conduct.

The storage medium 2645 provided on a currency exchange transportation card operating system according to the present invention is provided to the foreigner based on the refund request information provided from the employee terminal 2650 shown in FIG. 19 or 21 or 3. After issuing a predetermined exchange traffic card, it is characterized in that for storing the exchange traffic card operation information according to the exchange exchange card issuance, the exchange traffic card operation information stored in the storage medium (2645) the exchange exchange card Passport information (or immigration ticket information) for foreigners who are issued, foreign currency identification information corresponding to the foreign currency type used to charge the foreign exchange ticket, information on the amount of the currency charged in the foreign currency exchange card, and currency exchange It includes one or more transportation card information and information on the date and time of departure of the foreigner who issued (or purchased) the exchange card. It is characterized by losing.

In addition, the exchange traffic card operation information stored in the storage medium 2645, the deposit amount of the won unit of the currency exchange card charged in the remittance management account, except the amount deducted in accordance with the use of transportation means the deposit processing to the unpaid refund management account Refund expiration date and the remaining amount excluding the amount deducted by the use of transportation means of the amount charged in the won unit charged on the exchange card after the expiration date (or at the request of the foreigner) of the foreigner In order to process the transfer, the foreigner's nationality information of the foreigner, refundable account information for the target financial account for transferring the balance to the foreigner, financial institution information corresponding to the financial institution where the refundable account is opened, The exchange exchange card operation information is based on the use of transportation means among the amount of the won charged in the exchange exchange card. D) It is preferable that the currency of the balance except for the deducted amount is exchanged into foreign currency to further include one or more foreign currency remittance information for remittance processing to the account.

Here, the passport information of the foreigner is unique information included in the passport issued by the country managing the nationality of the foreigner for the foreigner to enter the country through the immigration means (for example, air, passenger ship, etc.) Including the passport number indicated on the passport, preferably comprises one or more country information and various unique numbers (or unique codes).

In addition, the immigration ticket information of the foreigner, the ticket issuing agency (for example, airline, passenger ship operator) information for the immigration vehicle ticket used for entry and departure of the foreigner, the ticket specific information and the immigration transportation It is preferable to include one or more pieces of date and time (= date of departure).

The foreign currency identification information is information for identifying and identifying foreign currency types and currency units to be exchanged into the won currency and charged to the exchange transportation card, and preferably includes foreign currency identifiers such as dollar, yen, euro and the like.

The recharge amount information is a recharge amount of a won unit (\) in which foreign currency corresponding to the foreign currency identification information is exchanged into won and recharged in the exchange transportation card, and the recharge amount information is charged to the foreign exchange transportation card by the foreigner. It is preferable that the foreign currency provided so as to be exchanged according to the exchange rate corresponding to the foreign currency identification information, and then included in the amount of information in the unit of the won minus a predetermined exchange fee.

Preferably, the payment account information includes account information corresponding to an online account opened and processed through the online account registration system shown in FIG. 19 or 21 or 19 or 210, and the payment account In order to process the payment request using the check card function provided in the exchange transportation card, it is preferable that the foreign currency issued by the exchange transportation card is a financial account in which the amount deposited (or the automatic exchange transfer) is exchanged in foreign currency. .

The deposit amount information is an amount of money (or automatic currency transfer) that the foreigner exchanged the foreign currency to exchange the foreign currency to process the payment request using the check card function provided in the exchange traffic card in the payment settlement account. It is preferable that it is this deposited amount.

The exchange exchange card information may include a card number for a rechargeable transportation card that can be used as a means of paying a public transportation fare when using domestic public transportation, and charging a recharge amount in which the foreign currency corresponding to the foreign currency identification information is exchanged in won. It is preferable to include the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

The departure date and time information is a date and time information for a foreigner who has issued the foreign exchange transportation card (or purchases a fixed-rate foreign exchange transportation card by exchanging foreign currency) and is going to depart the tourism schedule, and the foreigner has a round-trip immigration transportation ticket. (E.g., a ticket, a passenger boat ticket), it is preferable to include the departure date and time information of the round-trip entry and exit transportation ticket.

The card payment discount information may include discount amount (or discount rate) information for discounting a part (or all) of a corresponding amount when a foreigner requests a card payment through a predetermined affiliate store using the exchange card. It is preferable to comprise.

The refund expiration date and time information is when the foreigner who issued the exchange exchange card (or purchases a fixed-rate exchange card by exchanging foreign currency) departs or changes the schedule after the tourist schedule. If the balance of the exchange card has not been processed (i.e., has not been requested to exchange money or has not been transferred to the refundable account designated by the foreigner), the balance of the exchange card is deposited into the unpaid refund management account. It is preferable to include date and time information for processing.

The foreign nationality information includes the country name, country code (or country code), etc. of the country where the foreigner who issued the foreign exchange transportation card (or purchases the fixed currency exchange transportation card by exchanging foreign currency) resides in (or is listed on the passport). It is preferable to include at least one.

The refundable account information is charged to the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the foreign currency exchange card for foreign exchange). It is preferable to include at least one account number, an account alias for the financial account for the transfer of the balance except the amount deducted in accordance with the use of transportation among the amount of charge of the won unit.

The financial institution information is the original currency charged in the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the foreign currency exchange card for foreign currency exchange). In order to process the remittance of the balance except the amount deducted according to the use of the transportation, the at least one financial institution may include at least one financial institution name, financial institution code, etc. for the financial institution in which the refundable account is opened. desirable.

The foreign currency remittance information is the original currency charged in the foreign exchange transportation card after the scheduled departure date (or at the request of the foreigner) of the foreigner who issued the foreign exchange transportation card (or purchased the fixed-rate foreign exchange transportation card by exchanging foreign currency). At least one or more of the reasons for remittance, the relationship with the remitter for remittance processing to the financial institution where the refundable account is opened, in order to transfer the balance except the amount deducted according to the use of transportation means It is preferable to make.

According to one embodiment of the present invention, the storage medium 2645 is preferably provided in a DBMS on a predetermined financial system provided on the exchange money card operating system (or associated with the currency exchange card management system). In this case, the storage medium 2645 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the storage medium 2645 interoperates with a server (or device) that operates the exchange traffic card by using the exchange traffic card operation information on the exchange traffic card operation system. It is preferable that the DBMS is provided. In this case, the location where the storage medium 2645 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 currency exchange card management server 2600 provided on the currency exchange card management system according to the present invention is a generic term for the components of the currency exchange card management system side connected to the employee terminal 2650 through a predetermined communication network, It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

Referring to FIG. 26, the currency exchange transportation card operation system requests a payment of a transportation fee generated by a foreigner who has issued the currency exchange transportation card (or purchases a fixed currency exchange transportation card by exchanging foreign currency). And a traffic card terminal 2655 for receiving and outputting a corresponding traffic fare payment result.

According to the method of the present invention, the method for requesting the transportation fee payment generated by the use of the transportation means, using the exchange exchange card as a contactless traffic card to approach the traffic card terminal 2655, the traffic card The terminal 2655 reads the exchange traffic card information corresponding to the exchange traffic card, and operates the exchange rate payment card information including the read exchange money card information and at least one payment request amount information. By transmitting to the server 2600, it is preferable to request the transportation fee payment generated by the use of the means of transportation using the exchange card.

Referring to FIG. 26, the exchange traffic card operation server 2600 may exchange traffic card payment request information including at least one exchange card information and payment request amount information from the traffic card terminal 2655 through the communication network. A traffic exchange payment card operating unit 2605 (or exchange traffic) for receiving a traffic fare payment processing corresponding to the received traffic fare payment request information and transmitting the traffic fare payment result information to the traffic card terminal 2655. Card operating means).

According to an embodiment of the present invention, the traffic fare payment processing corresponding to the traffic fare payment request information including at least one of the received exchange money card information and payment request amount information is carried out through the traffic card terminal 2655. It is preferable to subtract payment request amount information from the stored charge amount information in connection with the exchange traffic card information included in the traffic fare payment request information based on the read and transmitted traffic fare payment request information.

Here, in the case of requesting the transportation fee payment processing using the exchange card, the tourism corporation (for example, Korea Tourism Organization, Incheon Tourism Organization, etc.), the city hall, etc., in cooperation with the city hall to provide the transportation fee hangni benefits or various discount coupons (Ie, it is preferably stored in connection with the exchange card information stored in the storage medium 2645).

Referring to FIG. 26, the exchange traffic card operation server 2600 may include an interface unit 2610 (or an interface means) for providing a refund request interface to the employee terminal 2650 through the communication network. do.

According to an embodiment of the present invention, the interface unit 2610 connects a predetermined communication channel with the employee terminal 2650 based on a protocol stack defined in the financial network, and is provided in the employee terminal 2650. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the card issuance application program.

Referring to FIG. 26, the currency exchange card management server 2600 is the interface unit 2610 when a predetermined employee terminal 2650 is connected to the currency exchange card management server 2600 through the interface unit 2610. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined refund request information from the employee terminal 2650 to the employee terminal 2650. 2615 (or an interface providing means) and an information receiving unit for receiving predetermined refund request information inputted (or selected) and transmitted from the employee terminal 2650 through the user interface in cooperation with the interface unit 2610 ( 2620) (or information receiving means) is characterized in that it is made.

The interface providing unit 2615 corresponds to a functional configuration provided in the employee terminal 2650 when a predetermined employee terminal 2650 is connected to the exchange traffic card operation server 2600 through the interface unit 2610. Generate (or select) the refund request information to generate a predetermined user interface that can be transmitted to the exchange exchange card operation server 2600 via the communication network, and / or extract from a predetermined database (not shown). In addition, the user interface 2650 may be provided to the employee terminal 2650 through the communication network.

Thereafter, the employee terminal 2650 inputs (or selects) the refund request information based on the user interface, and exchanges the exchange request card information server 2600 via the communication network with the input (or selected) refund request information. To send).

According to an embodiment of the present invention, the interface providing unit 2615 generates (or extracts) a predetermined user interface that can be provided by a card issuance application program included in the employee terminal 2650, and the interface unit 2610 is provided. It is preferable to provide the created (or extracted) user interface to the employee terminal (2650) through.

The information receiving unit 2620 inputs (or selects) predetermined refund request information through the user interface in the employee terminal 2650 and transmits the information through the communication network. The refund request is linked with the interface unit 2610. And receiving information.

According to an embodiment of the present invention, the refund request information preferably includes one or more foreign exchange information and foreign currency information to be exchanged.

Here, the currency exchange card information is a card for a chargeable transportation card that can be used as a means of payment for public transportation charges when charging the amount of money exchanged in won units of the foreign currency corresponding to the foreign currency identification information; It is preferable to include the number and the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

In addition, the foreign currency information to be exchanged is information for identifying and identifying a foreign currency type and a currency unit with respect to the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

Referring to FIG. 26, the exchange traffic card operation server 2600 checks whether the departure date and time for the exchange traffic card has elapsed in association with the storage medium 2645 or the storage medium 2645. A date and time confirmation unit 2625 (or a date and time confirmation means) for checking whether the refund expiration date and time for the exchange traffic card has elapsed, and a point for refunding a pre-exchange transportation card balance refund point before the scheduled departure date has elapsed. A refund request confirmation unit 2630 (or refund request confirmation means) for checking whether a refund request for the balance of the exchange traffic card has been processed, and the exchange traffic card through the branch before the scheduled departure date and time have elapsed Upon confirmation of the request for refund of the balance, the foreign currency identification information associated with the exchange card information and the balance information in won unit in connection with the storage medium 2645 A currency exchange processing unit 2635 (or currency exchange processing means) for confirming, converting the balance of the won unit into a currency exchange amount in a foreign currency unit according to the exchange rate corresponding to the foreign currency identification information, and confirming the exchange fee for the exchange; If the refund amount is less than the refundable amount less than the exchange fee from the exchange amount, a refund processing unit (2640) (or refund processing means) for approving the payment of the refund amount through the point requesting the refund It is characterized by.

The date / time confirmation unit 2625 checks whether the departure date and time for the exchange traffic card has elapsed in association with the storage medium 2645, or in connection with the storage medium 2645 for the exchange traffic card. It is characterized by checking whether the refund expiration date has elapsed.

If, before the scheduled departure date elapses, a request for refund of the remaining exchange traffic card balance is confirmed through the refund exchange card balance refund point set through the refund request confirmation unit 2630, or the exchange exchange card When it is confirmed whether the refund expiration date and time stored in connection with the information has elapsed, the currency exchange processing unit 2635 corresponds to the foreign currency identification information and the won unit in connection with the exchange transportation card information in response to the storage medium 2645. Checking the balance information, the balance of the won unit is exchanged to the exchange amount of the foreign currency unit in accordance with the exchange rate corresponding to the foreign currency identification information, characterized in that for confirming the exchange fee for the exchange.

According to the embodiment of the present invention, the exchange for the refund processing of the balance of the won unit of the exchange transportation card, it is preferable to process the exchange of the balance of the won unit of the exchange card.

That is, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, or It is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

The refund processing unit 2640 may approve the payment of the refund amount through the point (or the branch) that requested the refund, when the refund amount less than the exchange fee is less than the refundable amount. .

In addition, when it is confirmed whether the refund expiration date and time stored in connection with the exchange traffic card information has elapsed, it is characterized in that the deposit processing to the non-refundable management account.

According to the method of the present invention, the refundable amount of which the refundable amount of the exchangeable credit card is refundable is the refundable amount (for example, the refunded amount after deducting the exchange fee is 0). It is preferable to approve the payment of the refund amount after confirming whether the amount is less than or equal to the amount, or the amount of the monetary unit that can be paid.

Referring to FIG. 26, the exchange exchange card management server 2600 is connected to the storage medium 2645 to confirm whether or not the scheduled departure date for the exchange ticket is elapsed (or date and time). Check means), and when the scheduled departure date has elapsed, the foreign currency identification information associated with the exchange card information and the balance information of the won unit are checked in association with the storage medium 2645, and the balance of the won unit is calculated. A currency exchange processing unit 2635 (or currency exchange processing means) for converting a currency exchange amount in a foreign currency unit according to an exchange rate corresponding to foreign currency identification information, and confirming a currency exchange fee for the currency exchange; and deducting the foreign currency transfer fee from the currency exchange amount. If the amount of the foreign currency remittance is a foreign currency remittable amount, the foreigner's nationality information, refundable account information, financial institution information, and foreign currency remittance in connection with the storage medium 2645 Verify at least one report, and transfer the foreign currency remittance amount to a refundable account opened at a financial institution located in a country corresponding to the nationality information through the identified nationality information, refundable account information, financial institution information, and foreign currency remittance information. It is characterized by comprising a refund processing unit 2640 (or refund processing means) for processing to be remitted.

The date and time confirmation unit 2625 checks whether or not the scheduled departure date for the exchange card is elapsed in association with the storage medium 2645.

If it is determined whether the stored departure date and time are connected with the exchange transportation card information, the exchange processing unit 2635 is associated with the exchange transportation card information in association with the storage medium 2645. Confirm the foreign currency identification information and the balance information of the won unit, exchange the balance of the won unit to the exchange amount of the foreign currency unit according to the exchange rate corresponding to the foreign currency identification information, and check the exchange fee for the exchange do.

According to the embodiment of the present invention, the exchange for the refund processing of the balance of the won unit of the exchange transportation card, it is preferable to process the exchange of the balance of the won unit of the exchange card.

That is, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, or It is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

The refund processing unit 2640, in response to the foreign currency remittance amount deducting the foreign currency remittance fee from the currency exchange amount, is a foreign currency remittance amount, in connection with the storage medium 2645, the foreigner's nationality information, refundable account information, A financial institution located in a country corresponding to at least one financial institution information, foreign currency remittance information, and reconciling the foreign currency remittance amount through the identified nationality information, refundable account information, financial institution information, and foreign currency remittance information; It characterized in that the processing to be remitted to the refund target account opened in.

According to the method of the present invention, an exchange fee and a refund amount deducting a remittance fee from an amount to be refunded among the won-denominated currency unit balances of the exchange transportation card can be remitted (for example, a exchange fee and a remittance fee). After checking whether the refund amount is less than or equal to '0', or the amount of monetary units that can be paid, the refund amount is preferably processed to be remitted to the refund target account designated by the foreigner.

Referring to FIG. 26, the exchange traffic card operation server 2600 is connected to the storage medium 2645 to determine whether a refund expiration date and time for the exchange traffic card have elapsed (or date and time). Confirming means), and before the scheduled departure date, the foreign currency identification information associated with the exchange card information and exchange balance information of the unit of payment for the payment account is checked in connection with the storage medium 2645, A currency exchange unit 2635 (or currency exchange processing means) for converting the balance of the won unit into a currency exchange amount in a foreign currency unit according to the exchange rate corresponding to the foreign currency identification information, and confirming the exchange fee for the exchange; If the refund amount after deducting the exchange fee from the amount is more than the refundable amount, the refund is authorized to pay the refund amount through the point where the refund request is made. And a processing section 2640 (or refund processing means), characterized in that formed.

The date / time confirmation unit 2625 checks whether the refund expiration date and time for the exchange traffic card has elapsed in association with the storage medium 2645.

The exchange processing unit 2635 checks the foreign currency identification information associated with the exchange currency card information and the balance information of the won unit for the payment account in connection with the storage medium 2645, and calculates the balance of the won unit. It is characterized in that the exchange of money in the foreign currency unit according to the exchange rate corresponding to the foreign currency identification information, and the exchange fee for the exchange.

According to the method of the present invention, the exchange for the refund processing for the balance of the won unit of the payment account for the exchange card, it is preferable to process the exchange for the balance of the won unit of the payment account.

That is, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the payment account for the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, or It is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

The refund processing unit 2640 may approve the payment of the refund amount through the point (or the branch) that requested the refund, when the refund amount less than the exchange fee is less than the refundable amount. .

In addition, when it is confirmed whether the refund expiration date and time stored in connection with the exchange traffic card information has elapsed, it is characterized in that the deposit processing to the non-refundable management account.

According to the method of the present invention, the refundable amount of which the refundable amount of which is the refundable amount of the refundable amount of the exchangeable currency unit balance of the payment account is refundable (for example, the refunded amount after deducting the exchangeable fee is 0). It is preferable to approve the payment of the refund amount after confirming whether the amount is less than or equal to the amount, or the amount of the monetary unit that can be paid.

Referring to FIG. 26, the exchange exchange card management server 2600 is connected to the storage medium 2645 to confirm whether or not the scheduled departure date for the exchange ticket is elapsed (or date and time). Check means), and when the scheduled departure date has elapsed, in connection with the storage medium 2645, the foreign currency identification information associated with the exchange money exchange card information and the balance information of the won unit for the payment account are checked; A currency exchange processing unit 2635 (or currency exchange processing means) for converting the balance of the unit into an exchange amount of a foreign currency unit according to the exchange rate corresponding to the foreign currency identification information, and confirming an exchange fee for the exchange; When the amount of the foreign currency remittance deducting the foreign currency remittance fee is a foreign currency remittable amount, in connection with the storage medium 2645, the foreigner's nationality information, refundable account information, and finance At least one or more institutional information, foreign currency remittance information, and the foreign currency remittance amount to a financial institution located in a country corresponding to the nationality information through the confirmed nationality information, refundable account information, financial institution information, foreign currency remittance information And a refund processing unit 2640 (or a refund processing unit) for processing to be remitted to the opened refund target account.

The date and time confirmation unit 2625 checks whether or not the scheduled departure date for the exchange card is elapsed in association with the storage medium 2645.

If it is determined whether the stored departure date and time are connected with the exchange transportation card information, the exchange processing unit 2635 is associated with the exchange transportation card information in association with the storage medium 2645. Check the foreign currency identification information and the balance information of the won unit for the payment account, exchange the balance of the won unit to the exchange amount of the foreign currency unit according to the exchange rate corresponding to the foreign currency identification information, and exchange the exchange fee for the exchange. It is characterized by checking.

According to the method of the present invention, the exchange for the refund processing for the balance of the won unit of the payment account for the exchange card, it is preferable to process the exchange for the balance of the won unit of the exchange card.

That is, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the payment account of the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, or It is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

The refund processing unit 2640, when the foreign currency remittance amount obtained by deducting the foreign currency remittance fee from the foreign exchange amount, is a foreign currency remittable amount, in connection with the storage medium 2645, the foreigner's nationality information, refundable account information, and finance At least one or more institutional information, foreign currency remittance information, and the foreign currency remittance amount to a financial institution located in a country corresponding to the nationality information through the confirmed nationality information, refundable account information, financial institution information, foreign currency remittance information It is characterized in that the processing to be remitted to the opened refund target account.

According to the method of the present invention, the amount of money that can be remitted from the amount of money to be refunded and the amount of money refundable by subtracting the remittance fee from the amount of the won-denominated unit to be exchanged in the payment account (for example, money exchange fee and remittance fee) After checking whether the refund amount is less than or equal to '0', or the amount of monetary units that can be paid, the refund amount is preferably processed to be remitted to the refund target account designated by the foreigner.

FIG. 27 is a diagram illustrating a process of exchanging and refunding a balance of a foreign exchange exchange transportation card according to an embodiment of the present invention.

More specifically, FIG. 27 is a foreign currency exchange traffic that is charged (or sold) through foreign currency to a foreign currency exchange card operation system for foreigners entering the country for tourism through the foreign currency exchange card card issuing system shown in FIG. Foreign currency exchange for foreign tourists who have issued a card or have a wireless terminal equipped with a USIM (or wireless IC chip) equipped with a USIM (or wireless IC chip) through the foreign exchange exchange card operating system shown in FIG. After issuing and processing foreign exchange exchange card for foreigners who are charged (or sold) through foreign currency with the card operation system, the processing of payment of transportation fees for boarding one or more means of transportation using the issued exchange exchange card Or a foreigner with the exchange card issued before the date of departure This is a process for automatic refund processing after the departure date of a foreigner who has requested or exchanged a transportation card, and has a general knowledge in the technical field to which the present invention pertains, refer to and / or modify this drawing 27. It will be possible to infer various implementation methods for the process of refunding the balance of the foreign exchange-only exchange traffic card by the refund process, the present invention includes all the implementation methods inferred, with only the implementation method shown in Figure 27 It is not limited.

Hereinafter, in FIG. 27, the currency exchange card operating server 2600 illustrated in FIG. 5 is referred to as a “server” for convenience, and the employee terminal 2650 illustrated in FIG. 5 is referred to as a “terminal” for convenience.

Referring to FIG. 27, the balance of the exchange transportation card (or the balance of the payment settlement account for the exchange transportation card) through the refund request interface outputted to the employee terminal 2650 (hereinafter referred to as the terminal) shown in FIG. In order to request a refund, a refund application information prepared by a foreigner is input (or selected) (2700), and the refund (or selected) application information is transmitted to a server through a communication network (2705).

According to an embodiment of the present invention, the server connects a predetermined communication channel with the employee terminal 2650 based on the protocol stack defined in the financial network, and the card issuance application program provided in the employee terminal 2650. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in.

Thereafter, the server receives the refund application information transmitted through the communication network and checks at least one exchange amount and a currency exchange fee based on the received refund application information (2710).

According to an embodiment of the present invention, the refund request information preferably includes one or more foreign exchange information and foreign currency information to be exchanged.

Here, the currency exchange card information is a card for a chargeable transportation card that can be used as a means of payment for public transportation charges when charging the amount of money exchanged in won units of the foreign currency corresponding to the foreign currency identification information; It is desirable to include the number and issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

In addition, the foreign currency information to be exchanged is information for identifying and identifying a foreign currency type and a currency unit with respect to the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

According to the method of the present invention, the exchange for the refund processing for the balance of the won unit (or the balance of the won unit of the payment account for the exchange card) of the exchange card, the balance of the won unit of the exchange card It is preferable to process the exchange of money (or the balance of the won unit of the payment account for the exchange card).

That is, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Alternatively, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the payment account of the exchange card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, or It is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

Thereafter, the server checks whether the refunded amount after deducting the exchange fee is the refundable amount of the confirmed exchange rate (2715).

According to the method of the present invention, a refundable amount of a refundable amount of a refundable amount less than a refundable amount of a refundable amount of the unit of exchangeable currency unit of the exchangeable transportation card (or a payment account for the exchanged transportation card) is refundable (e.g., It is desirable to check whether the refund amount after deducting the exchange fee is less than or equal to '0', or the amount of monetary units payable.

If the refund amount is a non-refundable amount (2720), the server notifies the point (or the branch) that requested the refund that the refund amount is the non-refundable amount (that is, the refund amount is less than the refund fee). (2725).

On the other hand, if the refund amount is a refundable amount (2720), the server preferably approves the payment for the refund amount through the point (or branch) that requested the refund (2730).

FIG. 28 is a diagram illustrating a process of exchanging and refunding a balance of a foreign currency exchange transportation card according to another embodiment of the present invention.

More specifically, FIG. 28 is a foreign currency exchange traffic that is charged (or sold) through a foreign currency to a foreign currency exchange card operation system for foreigners entering the country for tourist purposes through the foreign currency exchange card card issuing system shown in FIG. Foreign currency exchange for foreign tourists who have issued a card or have a wireless terminal equipped with a USIM (or wireless IC chip) equipped with a USIM (or wireless IC chip) through the foreign exchange exchange card operating system shown in FIG. After issuing and processing foreign exchange exchange card for foreigners who are charged (or sold) through foreign currency with the card operation system, the processing of payment of transportation fees for boarding one or more means of transportation using the issued exchange exchange card Or a foreigner with the exchange card issued before the date of departure As for the process of automatic refund processing after the departure date of the foreigner who has requested or exchanged the transportation card, the person of ordinary skill in the art to which the present invention pertains may refer to and / or FIG. It will be possible to infer various implementation methods for the process of converting the refund of the foreign-exchange exchange card by changing the refund, but the present invention includes all the implementation methods inferred, the implementation method shown in Figure 28 It is not limited to only.

Hereinafter, in FIG. 28, the currency exchange card management server 2600 illustrated in FIG. 5 is referred to as a “server” for convenience, and the employee terminal 2650 illustrated in FIG. 5 is referred to as a “terminal” for convenience.

Referring to FIG. 28, the balance of the exchange transportation card (or the balance of the payment settlement account for the exchange transportation card) through the refund request interface outputted to the employee terminal 2650 (hereinafter referred to as the terminal) shown in FIG. In order to request a refund, a refund application information prepared by a foreigner is input (or selected) (2800), and the input (or selected) refund application information is transmitted to a server through a communication network (2805).

According to an embodiment of the present invention, the server connects a predetermined communication channel with the employee terminal 2650 based on the protocol stack defined in the financial network, and the card issuance application program provided in the employee terminal 2650. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in.

Thereafter, the server receives the refund application information transmitted through the communication network and checks at least one exchange amount and a exchange fee based on the received refund application information (2810).

According to an embodiment of the present invention, the refund request information preferably includes one or more foreign exchange information and foreign currency information to be exchanged.

Here, the currency exchange card information is a card for a chargeable transportation card that can be used as a means of payment for public transportation charges when charging the amount of money exchanged in won units of the foreign currency corresponding to the foreign currency identification information; It is preferable to include the number and the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the currency exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. It is preferable.

In addition, the foreign currency information to be exchanged is information for identifying and identifying a foreign currency type and a currency unit with respect to the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

According to the implementation method of the present invention, the exchange for the refund processing for the balance of the won unit of the currency exchange card (or the balance of the won unit of the payment account for the exchange card), the balance of the won unit of the exchange card It is preferable to process the exchange of money (or the balance of the won unit of the payment account for the exchange card).

That is, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Alternatively, in the case where the exchange rate of the won to foreign currency is 1,000 won per dollar, if the balance of the payment account for the exchange transportation card is 10000 won, the corresponding exchange dollar is preferably 10 dollars.

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, Or it is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

Thereafter, the server checks whether the refund amount after deducting the exchange fee is the refundable amount of the confirmed exchange amount (2815).

According to the method of the present invention, an amount of refundable amount of the refundable amount (for example, the refundable amount after deduction of the exchange fee) is the refundable amount of the exchangeable amount of the exchangeable currency card (or the payment settlement account of the exchanged transportation card). It is desirable to check whether the refund amount after deducting the exchange fee is less than or equal to '0' or the amount of monetary units payable).

If the refunded amount is a non-refundable amount (2820), the server notifies the point (or the branch) that requested the refund that the refunded amount is a non-refundable amount (that is, the refunded amount is less than the refund fee). (2825).

On the other hand, if the refund amount is a refundable amount (2820), the server checks whether or not the remittance amount of the refund amount minus the remittance fee for the refund amount (2830).

If the remittance amount is not the amount that can be remitted (2835), the server notifies the point (or the branch) that has requested the refund that the refund amount is the amount that cannot be remitted (2840).

On the other hand, if the remittance amount is a remittable amount (2835), the server transfers the remittance amount to the refund target account designated by the foreign person (2845).

According to the method of the present invention, the exchange fee and the remittance fee are deducted from the amount to be refunded in the amount of the currency unit to be exchanged (or the balance of the currency unit of the payment account for the exchange card). After confirming whether the refund amount is more than the amount that can be remitted (e.g., the exchange fee and the refund amount less than the remittance fee is less than or equal to '0', or the amount in monetary units payable), the refund amount is returned. It is preferable to process the remittance to the refund target account designated by the foreigner.

FIG. 29 is a diagram illustrating a process of exchanging and refunding a balance of a foreign currency exchange transportation card according to another embodiment of the present invention.

More specifically, FIG. 29 is a foreign currency exchange traffic charged (or sold) through foreign currency to a foreign currency exchange card operation system for foreigners entering the country for tourist purposes through the foreign currency exchange card card issuing system shown in FIG. Foreign currency exchange for foreign tourists who have issued a card or have a wireless terminal equipped with a USIM (or wireless IC chip) equipped with a USIM (or wireless IC chip) through the foreign exchange exchange card operating system shown in FIG. After issuing and processing foreign exchange exchange card for foreigners who are charged (or sold) through foreign currency with the card operation system, the processing of payment of transportation fees for boarding one or more means of transportation using the issued exchange exchange card Or a foreigner with the exchange card issued before the date of departure This is a process for automatic refund processing after the departure date of a foreigner who has requested or exchanged a transportation card, and those of ordinary skill in the art to which the present invention belongs, refer to and / or modify this drawing 29 It will be possible to infer various implementation methods for the process of exchanging the refund of the balance of the foreign-exchange exchange transportation card, but the present invention includes all the implementation methods inferred, only by the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 29, the currency exchange card operation server 2600 shown in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 29, the foreign exchange traffic card operation server 2600 shown in FIG. 5 checks whether or not the scheduled departure date for the foreigner who has issued the foreign exchange transportation card has arrived (2900).

If the scheduled departure date arrives (2905), the server receives the refund application information transmitted through the communication network and checks at least one exchange amount and a currency exchange fee based on the received refund application information ( 2910).

According to an embodiment of the present invention, the refund request information preferably includes one or more foreign exchange information and foreign currency information to be exchanged.

Here, the currency exchange card information is a card for a chargeable transportation card that can be used as a means of payment for public transportation charges when charging the amount of money exchanged in won units of the foreign currency corresponding to the foreign currency identification information; It is preferable to include the number and the issuer number (or code).

According to one embodiment of the present invention, the exchange card information is preferably made of a unique card number system that can be used only in the country.

According to another exemplary embodiment of the present invention, the foreign exchange card information includes a card number system (for example, a card number system of a visa card or a card number system of a master card) that can be used in a country as well as in a foreign country. desirable.

In addition, the foreign currency information to be exchanged is information for identifying and identifying a foreign currency type and a currency unit with respect to the exchange request amount, and preferably includes a foreign currency identifier such as a dollar, a yen, or a euro.

According to the method of the present invention, the exchange for the refund processing for the balance of the won unit (or the balance of the won unit of the payment account for the exchange card) of the exchange card, the balance of the won unit of the exchange card It is preferable to process the exchange for (or the won unit balance of the payment account for the exchange card).

Thereafter, when the exchange process is completed (or before the exchange process), it is preferable to subtract the corresponding exchange fee, and the exchange fee is the refund amount deducted from the won before the exchange of the won into foreign currency, or It is preferable that it is the refund amount deducted from the amount after converting a won into foreign currency.

Thereafter, the server checks whether the refund amount after deducting the exchange fee is the refundable amount of the confirmed exchange amount (2915).

According to the method of the present invention, a refund amount obtained by subtracting a currency exchange fee from a target amount to be refunded out of the target currency unit balance to be exchanged (or the balance of the currency unit of a payment account for a currency exchange card) of the exchange transportation card It is desirable to check whether the refund amount is equal to or greater than the refundable amount (for example, the amount less than or equal to '0', or the amount of the monetary unit payable).

If the refund amount is a non-refundable amount (2920), the server notifies the point (or the branch) that requested the refund that the refund amount is the non-refundable amount (that is, the refund amount is less than the refund fee). (2925).

On the other hand, if the refund amount is a refundable amount (2920), it is preferable that the server approves the payment of the refund amount through the point (or branch) that requested the refund (2930).

30 is a diagram illustrating a process of exchanging and refunding a balance of a foreign exchange exchange transportation card according to another embodiment of the present invention.

More specifically, FIG. 30 is a foreign currency exchange traffic that is charged (or sold) through foreign currency to a foreign currency exchange card operation system for foreigners entering the country for tourism through the foreign currency exchange card card issuing system shown in FIG. Issuing cards or exchanging money for foreigners who have a wireless terminal equipped with a USIM (or wireless IC chip) equipped with a USIM (or wireless terminal IC chip) through the foreign exchange exchange card system shown in FIG. After issuing and processing foreign exchange exchange card which is charged (or sold) through foreign currency with the transportation card operation system, the processing of payment of transportation charges for boarding one or more transportation means using the issued exchange exchange card Or a foreigner holding the exchange card before the departure date This is a process for automatic refund processing after the departure date of a foreigner who has requested or exchanged a transportation card, and those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. It will be possible to infer various implementation methods for the process of exchanging the refund of the balance of the foreign-exchange exchange transportation card, but the present invention includes all the implementation methods inferred, only by the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 30, the currency exchange card operation server 2600 shown in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 30, the exchange traffic card operation server 2600 (hereinafter, referred to as server) shown in FIG. 5 checks whether the refund expiration date and time for the exchange traffic card issued to a foreigner has arrived (3000).

The refund expiry date and time information may be provided when the foreigner who issued the foreign exchange transportation card (or purchases a fixed currency exchange transportation card by exchanging foreign currency) departs or reschedules after the tourist schedule has been processed. If the balance of the exchange transportation card has not been processed (i.e., a request for exchange or no transfer of money to the refundable account designated by the foreigner), the balance of the exchange transportation card is transferred to a non-refundable management account. It is preferable to include date and time information for deposit processing.

If the refund expiration date arrives (3005), the server checks the balance of the exchange transportation card (or the balance of the payment account for the exchange transportation card) in association with the storage medium 2645 (3010).

Thereafter, the server transfers the balance of the confirmed won exchange card (or the balance of the payment account for the exchange card) to the unpaid refund management account (3015).

According to the present invention, when using a foreign exchange transportation card, there is an advantage that a refund request can be made by checking the balance at the time of departure of a foreigner.

According to the present invention, in the method of receiving a refund of the balance of the exchange transportation card, there is an advantage that can be set to automatically process the deposit to the account designated by the foreigner.

According to the present invention, when the balance of the exchange card is not refunded for a certain period, there is an advantage that can be effectively managed by the automatic deposit processing to the management account for the exchange card.

According to the present invention, by further providing a check card function to the exchange card, there is a convenient point that can carry a traffic card and a check card together without having a separate card.

Claims (7)

Opening a payment account based on foreigner's passport information (or immigration ticket information) when issuing a foreign exchange exchange card charged with foreign currency and having a check card payment function; The foreign currency provided by the foreigner is exchanged in won units according to the exchange rate and deposited in the payment settlement account, and information on the date and time of departure of the foreigner on the IC chip provided in the foreign exchange transportation card and before the scheduled departure date and time Recording the traffic discount information and the card payment discount information; The payment account information, passport information (or immigration vehicle ticket information), currency exchange card information, foreign currency identification information for the exchanged foreign currency, deposit amount information deposited in the payment account, and the scheduled departure date of the foreigner; Storing the information on the storage medium in association with the public transportation discount information and the card payment discount information available until the departure date and time; And When the payment for the card payment is settled, the discount settlement amount for each discount provider for the card payment through the exchange traffic card is calculated in connection with the storage medium, and the exchange traffic card is operated from the discount settlement account of the discount provider. And depositing the discount settlement amount for each of the calculated discount providers to a real account. The method of claim 1, Operation of a currency exchange card with a check card function, characterized in that it further comprises the step of recording the passport information (or immigration vehicle ticket information) of the foreigner for the duty-free discount on the IC chip provided in the currency exchange card. Way. The method of claim 1, The method of operating a currency exchange card with a check card function, characterized in that the method further comprises the step of processing the settlement of the card payment corresponding to the card payment through the currency exchange card to the payment merchant. The method of claim 1, Confirming whether the scheduled departure date has elapsed in association with the storage medium; Confirming a request for refund of the remaining exchange traffic card balance through a predetermined point of exchange for the exchange card remaining balance before the departure date; an airport branch, a port point, and a foreign entry ratio more than a preset ratio; When the request for refund of the exchange money exchange card balance is confirmed through the branch before the scheduled departure date and time elapses, the currency unit balance of the payment settlement account is exchanged in the foreign currency unit according to the exchange rate through the exchange traffic card information confirmed from the storage medium. Exchanging the exchange amount of money and checking the exchange fee for the exchange; And Approving the payment of the refund amount through the point where the refund request is made, when the refund amount less than the exchange fee is '0' from the exchange amount; How to operate the exchange card. The method of claim 1 or 4, wherein the payment account, A method of operating a currency exchange card with a check card function, characterized in that it is an online account (OA). A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 4. An account opening means for opening a payment account based on foreigner's passport information (or immigration vehicle ticket information) when issuing a foreign exchange exchange card charged with foreign currency and having a check card payment function; The foreign currency provided by the foreigner is exchanged in won units according to the exchange rate and deposited in the payment settlement account, and information on the date and time of departure of the foreigner on the IC chip provided in the foreign exchange transportation card and before the scheduled departure date and time Card issuing means for recording the traffic discount information and the card payment discount information; The payment account information, passport information (or immigration vehicle ticket information), currency exchange card information, foreign currency identification information for the exchanged foreign currency, deposit amount information deposited in the payment account, and the scheduled departure date of the foreigner; Information storage means for storing information on a storage medium in association with public transportation discount information and card payment discount information available before the scheduled departure date; And When the payment for the card payment is settled, the discount settlement amount for each discount provider for the card payment through the exchange traffic card is calculated in connection with the storage medium, and the exchange traffic card is operated from the discount settlement account of the discount provider. And a settlement processing means for depositing and processing a discount settlement amount for each of the discount providers provided to a real account.

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