KR100833623B1 - System and Method for Payment by Using Messenger and Program Recording Medium - Google Patents

Abstract

The present invention relates to a payment method and system using a messenger and a program recording medium therefor, wherein the payment system using the messenger according to the present invention, when the first payment request through the messenger account of the first customer, Means for verifying a messenger account of a second customer associated with the messenger account of the customer and transmitting payment information to the confirmed messenger of the second customer, and using the account associated with the messenger account of the second customer to It comprises a means for performing a payment processing for.

Messenger, payment, payment

Description

Method and system for payment by means of messenger and program recording medium therefor {System and Method for Payment by Using Messenger and Program Recording Medium}

1 is a diagram illustrating a face-to-face messenger banking information registration system for non-face-to-face payment using a messenger according to an embodiment of the present invention.

2 is a diagram showing the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for non-face-to-face payment using a messenger according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a configuration of messenger banking information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for non-face-to-face payment using a messenger according to another embodiment of the present invention. .

4 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a face-to-face manner for non-face-to-face payment using a messenger according to another exemplary embodiment of the present invention.

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

6 is a diagram illustrating a non-face-to-face messenger banking information registration system for non-face-to-face payment using a messenger according to another embodiment of the present invention.

FIG. 7 is a diagram illustrating a configuration of messenger banking information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for non-face-to-face payment using a messenger according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a configuration of messenger banking information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for non-face-to-face payment using a messenger according to another embodiment of the present invention. to be.

FIG. 9 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a non-face-to-face manner for non-face-to-face payment using a messenger according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a process of registering messenger banking information in a non-face-to-face manner for non-face-to-face payment using a messenger according to an embodiment of the present invention.

11A and 11B illustrate a process of registering messenger banking information in a non-face-to-face manner for non-face-to-face payment using a messenger according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a messenger banking system configuration for payment using messenger banking according to an exemplary embodiment of the present invention.

13 is a diagram illustrating a payment request process for payment using messenger banking according to an embodiment of the present invention.

14 is a diagram illustrating a payment processing process for payment using messenger banking according to an embodiment of the present invention.

15 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to an embodiment of the present invention.

16 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to another embodiment of the present invention.

17 illustrates a non-face-to-face financial transaction authentication process for payment using messenger banking according to an embodiment of the present invention.

18 is a diagram illustrating a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

19A, 19B, and 19C are diagrams illustrating a payment process using messenger banking according to an embodiment of the present invention.

20A, 20B, and 20C illustrate a payment process using messenger banking according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a messenger banking system configuration for payment using messenger banking according to another exemplary embodiment of the present invention.

22 is a diagram illustrating a payment request process for payment using messenger banking according to another embodiment of the present invention.

23 is a diagram illustrating a payment processing process for payment using messenger banking according to another embodiment of the present invention.

24 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to an embodiment of the present invention.

25 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to another embodiment of the present invention.

FIG. 26 illustrates a non-face-to-face financial transaction authentication process for payment using messenger banking according to an exemplary embodiment of the present invention.

27 is a diagram illustrating a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

28A, 28B, and 28C illustrate a payment process using messenger banking according to an exemplary embodiment of the present invention.

29A, 29B, and 29C are diagrams illustrating a payment process using messenger banking according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

1200: messenger terminal 1205: messenger program

1210: Messenger Banking Module 1215: Messenger Server

1220: messenger banking operation unit 1225: messenger member authentication unit

1230: Member D / B 1235: Messenger Operator

1240: payment interlocking unit 1245: payment processing unit

1250: information storage unit 1255: payment request server

1260: messenger banking server 1265: interface unit

1270: information transmitter 1275: information receiver

1280: customer authentication unit 1285: banking processing unit

1290: ledger processing unit 1295: storage medium

According to the present invention, upon request for payment processing through a messenger account of a first customer, a means for confirming a messenger account of a second customer connected to the messenger account of the first customer, and the payment information is checked by a messenger of the second customer. The present invention relates to a payment system using a messenger including means for transmitting and performing payment processing for the payment using an account connected to the messenger account of the second customer.

Due to the development of information and communication technology, various forms of non-face-to-face financial transaction channels are commercialized, and non-face-to-face financial transaction channels using instant messenger, one of the most personalized information and communication technologies, are expected to be commercialized.

However, since the conventional non-face-to-face financial transaction channel operates based on a general-purpose program (eg, Microsoft's Internet Explorer) and a client / server system that is easily scalable to the financial system, the non-face-to-face financial transaction channel can be used as a non-face-to-face financial transaction channel. On the other hand, the instant messenger is difficult to apply to a non-face-to-face financial transaction channel due to the development of instant messenger programs of different specifications by different developers, and the operation method of the instant messenger is not a client / server based P2P. Because it is based on Peer-To-Peer, it contains difficult problems to apply to financial systems that require high security.

An object of the present invention for solving the above problems includes means for receiving predetermined payment information from a customer messenger execution terminal and means for performing payment processing for the payment using an account associated with the customer messenger account. The present invention provides a payment settlement system using a messenger and a method thereof.

In the payment method using a messenger according to the present invention, a predetermined financial institution server stores a messenger banking customer's messenger account information, at least one non-face-to-face financial transaction authentication information, and a messenger linked account information in a predetermined storage medium. And receiving messenger information and messenger account information from a predetermined customer at a predetermined payment request server, wherein the messenger account information, predetermined payment amount information, deposit account information to which the payment amount is to be deposited, and the deposit Generating payment information including at least one payment bank information in which an account is opened, and transmitting the generated payment information to a messenger server corresponding to the messenger information, and confirming that a messenger member corresponding to the messenger account information is logged in at the messenger server; The messenger member has logged in. Transmitting the payment information to the messenger terminal and if the messenger member has not logged in, storing the payment information in connection with the messenger member information and storing the payment information in a predetermined member information D / B; Receiving the payment information from the messenger server at the messenger terminal, input withdrawal account information and the withdrawal account password from which the payment amount is to be withdrawn from the messenger linked account, the messenger account information and withdrawal account information; Generating payment request information including a withdrawal account password, the payment information and at least one non-face-to-face financial transaction authentication information, and transmitting the generated payment request information to a predetermined financial institution terminal; and operating the storage medium (or storage medium operation) at the financial institution server. Messenger system included in the payment request information in association with the Authenticating the validity of the messenger banking customer through the information, authenticating the validity of the payment using the messenger banking through at least one non-face-to-face financial transaction authentication information included in the payment request information and the messenger banking customer When the validity and payment validity is authenticated, the financial institution server comprises the step of withdrawing the payment amount contained in the payment information from the withdrawal account and transfers to the payment account for payment processing.

In addition, the payment method using a messenger according to the present invention, a predetermined financial company server in a predetermined storage medium by linking the messenger account information of the messenger banking customer, at least one non-face-to-face financial transaction authentication information and messenger linked account information Storing the messenger information and the messenger account information from a predetermined customer at a predetermined payment request server, and confirming whether a messenger member corresponding to the messenger account information is logged in in association with a messenger server corresponding to the messenger information; And at least one of predetermined payment amount information, payment account information to which the payment amount is to be deposited, and deposit bank information to which the payment account is opened, when the messenger member logs in. Generate the payment information including the above by the messenger terminal And receiving the payment information from the payment request server at the messenger terminal, input the withdrawal account information and the withdrawal account password from which the payment amount is to be withdrawn from the messenger linked account, and the messenger account. Generating payment request information including information, a withdrawal account information, a withdrawal account password, the payment information and at least one non-face-to-face financial transaction authentication information, and transmitting the generated payment request information to a predetermined financial institution terminal; Authenticate a messenger banking customer through messenger account information included in the payment request information in association with a medium (or a storage medium operating means), and at least one non-face-to-face financial transaction authentication information included in the payment request information. Payment for payment using the messenger banking through Certifying the last name and the validity of the messenger banking customer and the payment validity, the financial institution server withdraws the payment amount included in the payment information from the withdrawal account and transfers it to the deposit account for payment processing. Characterized in that comprises a step.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the payment method using the messenger described above.

On the other hand, the payment system using a messenger according to the present invention, means for confirming the messenger account of the second customer connected to the messenger account of the first customer when the payment processing request through the messenger account of the first customer and the confirmation And means for transmitting the payment information to the messenger of the second customer and performing a payment process for the payment using an account connected to the messenger account of the second customer.

On the other hand, the payment system using a messenger according to the present invention, means for receiving predetermined payment information from the customer messenger execution terminal and means for performing the payment processing for the payment using the account associated with the customer messenger account Characterized in that comprises a.

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

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

In addition, the following examples will be used to properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

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

1 is a diagram illustrating a face-to-face messenger banking information registration system for non-face-to-face payment using a messenger according to an embodiment of the present invention.

In more detail, Figure 1 is a messenger banking information registration system for a predetermined customer through a predetermined information registration interface for banking messenger information, messenger account information and messenger linked account information for non-face-to-face payment using the messenger according to the present invention. And when the messenger banking information including at least one customer information is provided, the messenger banking information included in the messenger banking information provided by the messenger banking information registration system, the messenger account information, the messenger account information, and the messenger association account information and the customer information. As a system configuration for processing and storing in a predetermined storage medium 130, those skilled in the art to which the present invention pertains, non-face-to-face payment using a messenger by referring to and / or modified the present invention A variety of rooms for configuring messenger banking information registration system 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 1.

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

Referring to FIG. 1 according to an embodiment of the present invention, a messenger banking information registration system for non-face-to-face payment using a messenger according to the present invention includes a teller terminal 145 provided at at least one financial institution branch. And an information registration terminal 140, wherein the information registration terminal 140 has a communication channel with an information registration server 100 provided on the messenger banking information registration system through a predetermined financial network. Connected.

According to one embodiment of the present invention, the customer visits the financial institution branch for non-face-to-face payment using the messenger according to the present invention, and through a window (or through a teller) provided at the financial institution branch. Fill out a prescribed application for non-face-to-face payment using a messenger (e.g., a document with a form for filling in at least one item of information for non-face-to-face payment using a messenger) and send the completed application to the counter employee. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal 145, and the teller terminal 145 uses the input (or selects) to access the financial network. It is preferable to transmit to the information registration server 100 provided on the messenger banking information registration system through.

Here, the teller terminal 145 preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal 145 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the window terminal 145 and the information registration server 100 is the communication between the window terminal 145 and the information registration server 100 It is preferable to include a network for connecting the channels.

In the messenger banking information registration system as described above, an application created by the customer, a window terminal 145 used by the teller staff, and a financial network connecting the window terminal 145 and the information registration server 100 The customer performs a function of an information registration interface for registering messenger banking information for non-face-to-face payment using a messenger according to the present invention.

The storage medium 130 provided on the messenger banking information registration system according to the present invention is the messenger banking information and messenger account information included in the messenger banking information provided from the information registration terminal 140 and messenger account information. It is characterized in that the account information and the customer information is linked to the predetermined storage medium 130 and stored in the storage medium 130, the banking messenger information and messenger account information and messenger linked account information and customer information stored in the storage medium 130 Messenger banking information including at least one is used for non-face-to-face payment using a messenger according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the banking messenger information. And messenger ID information registered at 135, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited by this.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It is possible to further comprise, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 130 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, the present invention is not limited thereto.

According to another embodiment of the invention, the storage medium 130 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

The information registration server 100 provided on the messenger banking information registration system according to the present invention is a generic term for the components of the messenger banking information registration system side connected to the information registration terminal 140 through a predetermined financial 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. .

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the information registration server 100 is the window terminal 145 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 140 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It connects a window terminal 145 and a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 145. It is desirable to.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined information registration terminal 140 accesses the information registration server 100 through the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 140 to the information registration terminal 140. ), An information receiving unit 115 for receiving predetermined (or selected) messenger banking information transmitted from the information registration terminal 140 through the user interface in connection with the interface unit 105, and receiving the received information. Validation unit 125 for checking the validity of the instant messenger banking information, and the messenger information and messenger account information and messenger information for the banking included in the verified messenger banking information And an information storage unit 120 for linking the linked account information and the customer information and storing the linked account information in the predetermined storage medium 130.

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 140 when a predetermined information registration terminal 140 is connected to the information registration server 100 through the interface unit 105. Generate (or select) the messenger banking information to generate a predetermined user interface that can be transmitted to the information registration server 100 through the financial network, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the information registration terminal 140 through the financial network.

Thereafter, the information registration terminal 140 inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information based on the user interface. The input (or selected) messenger banking information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the interface providing unit 110 is provided with the finance terminal provided at the window terminal 145. It is preferable to generate (or extract) a predetermined user interface that can be provided by a transaction related program, and provide the generated (or extracted) user interface to the counter terminal 145 through the interface unit 105.

The information receiving unit 115 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information through the user interface at the information registration terminal 140. In the case of transmitting through the financial network, the messenger banking information is received in association with the interface unit 105, and the received messenger banking information is provided to the validity checking unit 125.

The validity confirming unit 125 checks whether the messenger banking information received from the information registration terminal 140 satisfies the validity for non-face-to-face payment using a messenger.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information is registered in the ledger D / B on the financial system associated with the messenger banking information registration system. It is preferable to include checking.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not to cooperate with the non-face-to-face payment service using a messenger according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that the check is made to include whether the function provided to provide a non-face-to-face payment service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger bank 135 according to the present invention is referred to by the messenger server 135 according to the present invention with reference to the messenger server 135 information corresponding to the banking messenger information included in the messenger banking information. It is preferable that the system comprises a check to determine whether the messenger server 135 associated with the messenger banking system to provide a non-face-to-face payment service using a messenger according to the present invention.

In addition, the validity of the messenger banking information, the messenger account through the messenger account 135 included in the messenger server 135 information and the messenger banking information corresponding to the banking messenger information included in the messenger banking information It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 135.

For example, the validity checker 125 provides messenger account information included in the messenger banking information to the messenger server 135 corresponding to the messenger information for banking included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 135.

In addition, the validation of the messenger banking information, the account ledger provided in the ledger D / B on the financial system that provides the non-face-to-face payment service using the messenger linked account information and the messenger included in the messenger banking information; By comparison, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face payment service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and non-face-to-face payment service using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system to provide a, to determine whether the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face payment service using the messenger It is preferable.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides a non-face-to-face payment service using the messenger, Preferably, the transaction authentication information includes checking whether the transactional authentication information is valid non-face-to-face financial transaction authentication information that can provide the non-face-to-face payment service using the messenger.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information may be used to provide confidentiality, authentication, integrity, and non-repudiation for providing a face-to-face payment service using the messenger. It is desirable to include verifying that the nonrepudiation function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

When the validity of the messenger banking information is confirmed, the information storage unit 120 associates banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information to the storage medium ( And the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100. Preferably, the processor 120 stores the information on the storage medium 130 by integrating the banking messenger information, the messenger account information, the messenger account information, and the customer information included in the received messenger banking information. When 130 is provided in the DBMS provided on the financial system, the information storage unit 120 is a messenger information and banking messenger information contained in the received messenger banking information Providing the account information associated with the IM account information and customer information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

2 is a diagram showing the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for non-face-to-face payment using a messenger according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that when the storage medium 130 shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the messenger information for banking is included in the ledger information provided in the ledger D / B. FIG. 2 illustrates an information configuration of an exemplary method of storing messenger banking information including messenger account information, messenger linked account information, and customer information, and the present invention may be provided to those skilled in the art. By referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the messenger banking information in the ledger D / B, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (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 will be 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. At least one 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 The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

Referring to FIG. 2, the messenger banking information provided through the messenger banking information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the messenger banking information is the messenger banking information. And at least one messenger account information, messenger linked account information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information for internet banking and / or authorized certificate information and / or At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 2 according to the embodiment of the present invention, the messenger banking information stored in the form of additional information added to the account ledger includes messenger operator information corresponding to the banking messenger information, messenger program information, and a messenger server. (135) information, including messenger ID information and messenger password corresponding to the messenger account information, and an account number for linking and processing the messenger banking information with the account ledger, which is the messenger banking. Since the messenger linked account information included in the information is included in the account ledger provided in the ledger D / B, and the customer information is included in the customer ledger provided in the ledger D / B. to be.

According to another exemplary embodiment of the present invention, the messenger banking information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

3 is a diagram illustrating a configuration of messenger banking information stored in a database associated with the ledger D / B 300 provided in a DBMS on a financial system in a face-to-face manner for non-face-to-face payment using a messenger according to another embodiment of the present invention. One drawing.

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium 305 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 3 to link the messenger banking information to the ledger D / B 300 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the messenger banking information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). It is not easy to change / B (300), or the system expansion is not easy due to the nature of the financial system), the messenger banking information is stored in a predetermined database instead of the ledger D / B (300), and The implementation method of storing a database and the ledger D / B 300 in a coordinated manner is illustrated.

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

Referring to FIG. 3, the database stores and stores banking messenger information, messenger account information, messenger link account information, and customer information included in the messenger banking information, and the messenger banking information is stored in the ledger. It is preferable that the IM banking information further includes a CIF number corresponding to the ledger information in order to be processed in association with the D / B 300.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135, the information includes at least one or more information.

The messenger account information is a messenger server corresponding to the messenger server 135 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the banking messenger information. And messenger ID information registered at 135, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited by this.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 3 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database linked to the ledger D / B 300 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 135 information, messenger ID information and messenger password corresponding to the messenger account information, and processing the messenger banking information in association with the account ledger. It comprises an account number for, which is the messenger linked account information included in the messenger banking information is included in the account ledger provided in the ledger D / B (300), the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B (300).

4 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a face-to-face manner for non-face-to-face payment using a messenger according to another embodiment of the present invention.

More specifically, Figure 4 shows that the storage medium 305 shown in Figure 1 is a messenger banking system, and / or an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server. If one of ordinary skill in the art to which the present invention pertains is referred to, and / or modified by reference to FIG. The method of constructing information on the messenger banking information stored in a predetermined DBMS provided in the banking server may be inferred, but the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association. .

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

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

In more detail, FIG. 5 illustrates a function of a ledger server (not shown) on the financial system in which the information registration server 100 on the messenger banking information registration system shown in FIG. 4 is linked to the counter terminal 145 through a predetermined financial network. In this case, the window terminal 145 accesses the information registration server 100 and connects a communication channel for registering messenger banking information according to the present invention, and then the information registration server through the communication channel. When the messenger banking information including the messenger information for the banking, the messenger account information, the messenger linked account information, and the customer information is transmitted to the bank 100, the banking information included in the received messenger banking information is received by the information registration server 100. The present invention relates to an implementation method of linking and processing messenger information, messenger account information, messenger linked account information, and customer information in a predetermined storage medium 305. For those of ordinary skill in the art to which the present invention pertains, various methods of registering the messenger banking information from the window terminal 145 to the information registration server 100 by referring to and / or modifying the drawing 5 may be made. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal 145 shown in FIG. 4 is called "terminal" for convenience, and the information registration server 100 shown in FIG. 4 is called "server" for convenience, and the window terminal ( The banking messenger information, the messenger account information, the messenger linked account information, and the customer information transmitted from the 145 to the information registration server 100 are referred to as "messenger banking information" for convenience.

Referring to FIG. 5, the window terminal 145 shown in FIG. 4 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the messenger banking information, and uses a non-message using the messenger. When requesting to register the messenger banking information for face-to-face payment (500), the server generates (or extracts) a predetermined information registration interface for registering the messenger banking information (505), and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (510).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) messenger banking information including at least one of the banking messenger information, messenger account information, messenger linked account information, and customer information at the terminal. It is preferred to include an interface.

Thereafter, the terminal inputs (or selects) messenger banking information including at least one banking messenger information, messenger account information, messenger linked account information, and customer information through the information registration interface (515).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135, the information includes at least one or more information.

The messenger account information is a messenger server corresponding to the messenger server 135 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the banking messenger information. And messenger ID information registered at 135, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited by this.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

If the terminal receives (or selects) messenger banking information including the banking messenger information, messenger account information, messenger linkage account information, and customer information through the information registration interface (520), the terminal is connected to the financial network. In step 525, the banking messenger banking information including the banking messenger information, the messenger account information, the messenger account information, and the customer information is input to the server.

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the financial network to check the validity of the messenger banking information (530).

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 300 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not to cooperate with the non-face-to-face payment service using a messenger according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that the check is made to include whether the function provided to provide a non-face-to-face payment service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 135 is a messenger according to the present invention with reference to the messenger server 135 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 135 associated with the messenger banking system to provide a non-face-to-face payment service using a messenger according to the present invention based on a banking system.

In addition, the validity check of the messenger banking information may be performed by the messenger account through the messenger server 135 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 135.

For example, the validity checker 125 provides messenger account information included in the messenger banking information to the messenger server 135 corresponding to the messenger information for banking included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 135.

In addition, the validation of the messenger banking information is provided in the ledger D / B (300) on the financial system that provides a non-face-to-face payment service using the messenger linked account information and the messenger included in the messenger banking information. Comparing with the account ledger, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face payment service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and non-face-to-face payment service using the messenger By comparing the customer ledger provided in the ledger D / B (300) on the financial system to provide a, to confirm that the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face payment service using the messenger It is preferable to comprise.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B 300 on the financial system for providing a face-to-face payment service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information is valid for providing a face-to-face payment service using the messenger.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information may be used to provide confidentiality, authentication, integrity, and non-repudiation for providing a face-to-face payment service using the messenger. It is desirable to include verifying that the nonrepudiation function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

If the validity of the messenger banking information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and does not perform an information registration procedure corresponding to the messenger banking information. Do not.

On the other hand, if the validity of the messenger banking information is authenticated (535), the server performs an information registration procedure corresponding to the messenger banking information, thereby providing the banking messenger information, messenger account information, messenger linked account information, and customer information. In operation 545, the data is stored in a predetermined storage medium 305.

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another embodiment of the present invention, the storage medium 305 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

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

6 is a diagram illustrating a non-face-to-face messenger banking information registration system for non-face-to-face payment using a messenger according to another embodiment of the present invention.

In more detail, Figure 6 is a banking messenger banking information registration system for a predetermined customer through a predetermined information registration interface for banking messenger information, messenger account information and messenger linked account information for non-face-to-face payment using the messenger according to the present invention. And when the messenger banking information including at least one customer information is provided, the messenger banking information included in the messenger banking information provided by the messenger banking information registration system, the messenger account information, the messenger account information, and the messenger association account information and the customer information. The present invention relates to a system configuration for processing and storing in a predetermined storage medium 630. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to make a non-face-to-face payment using a messenger. A variety of rooms for configuring messenger banking information registration system 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 6.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer in the storage medium 630 through a predetermined information registration interface on the messenger banking information registration system shown in FIG. The corresponding component is referred to as " information registration server 600 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a messenger banking information registration system for non-face-to-face payment using a messenger according to the present invention includes at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 640 including at least one client terminal or the like, wherein the information registration terminal 640 registers information provided on the messenger banking information registration system through a predetermined network means. The communication channel is connected to the server 600.

According to an exemplary embodiment of the present invention, the customer accesses the information registration server 600 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, When the messenger banking information for non-face-to-face payment using the messenger according to the present invention is input (or selected) through at least one user interface provided by the information registration server 600, the client terminal may select a predetermined network means. It is preferable to transmit to the information registration server 600 provided on the messenger banking information registration system through.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

In addition, the information registration server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 600 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

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

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

In the messenger banking information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the information registration server 600. The network and / or wireless network performs a function of an information registration interface for the customer to register messenger banking information for non-face-to-face payment using the messenger according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 640 is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further comprise an automated teller machine (not shown) including a Cash Dispenser (CD), and / or a fixed line such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the telephone network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Or it may further include a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, by which the present invention is not limited.

In the messenger banking information registration system as described above, when the information registration terminal 640 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information. The financial network connecting the registration server 600 performs a function of an information registration interface for registering the messenger banking information for non-face-to-face payment using the messenger according to the present invention, and / or the information registration terminal. When 640 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600 are the customer. Performing a function of an information registration interface for registering messenger banking information for non-face-to-face payment using a messenger according to the present invention, and / or registering the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal 640, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the information registration server 600 performs a function of the information registration interface for the customer to register the messenger banking information for non-face-to-face payment using the messenger according to the present invention.

The storage medium 630 provided on the messenger banking information registration system according to the present invention includes the messenger banking information, the messenger account information, and the messenger association account included in the messenger banking information provided from the information registration terminal 640. And storing the information and the customer information in a predetermined storage medium 630, and storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 630. Messenger banking information including one or more is used for non-face-to-face payment using a messenger according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, which is the MSN messenger of Microsoft Corporation, and uses a non-face-to-face payment service using the messenger. It includes at least one information that can be confirmed that the messenger server 635 associated with a predetermined financial system to provide a MSN messenger server 635 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

According to an embodiment of the present invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). At this time, the storage medium 630 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, by which the present invention is not limited.

According to another embodiment of the invention, the storage medium 630 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

The information registration server 600 provided on the messenger banking information registration system according to the present invention is a generic term for the components of the messenger banking information registration system side connected to the information registration terminal 640 through a predetermined network means. 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. .

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 600 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 600 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 600 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the information registration server 600 is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 640 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 605 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a financial automation device connected to a predetermined financial network, the interface unit 605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 605 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the information registration server 600 interworks with the interface unit 605 when a predetermined information registration terminal 640 accesses the information registration server 600 through the interface unit 605. Interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 640 to the information registration terminal 640. ), An information receiving unit 615 that receives predetermined messenger banking information transmitted from the information registration terminal 640 through the user interface and transmitted in connection with the interface unit 605; Storing information in a predetermined storage medium 630 by processing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information included in the messenger banking information. Characterized in that formed by having a portion (620).

The interface providing unit 610 corresponds to a functional configuration provided in the information registration terminal 640 when a predetermined information registration terminal 640 is connected to the information registration server 600 through the interface unit 605. Generate (or select) the messenger banking information and transmit it to the information registration server 600 via the network means, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 605 to the information registration terminal 640 through the network means.

Thereafter, the information registration terminal 640 inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information based on the user interface. The input (or selected) messenger banking information is transmitted to the information registration server 600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 610 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 605 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may use the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

The information receiving unit 615 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information through the user interface at the information registration terminal 640. And transmit the messenger banking information in cooperation with the interface unit 605, and provide the received messenger banking information to the validity checker 625.

The validity confirming unit 625 checks whether the messenger banking information received from the information registration terminal 640 satisfies the validity for non-face-to-face payment using a messenger.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information is registered in the ledger D / B on the financial system associated with the messenger banking information registration system. It is preferable to include checking.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not to cooperate with the non-face-to-face payment service using a messenger according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that the check is made to include whether the function provided to provide a non-face-to-face payment service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 635 according to the present invention is referred to by the messenger server 635 according to the present invention with reference to the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check to determine whether the messenger server 635 associated with the messenger banking system to provide a non-face-to-face payment service using a messenger according to the present invention based on the system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 635.

For example, the validity checker 625 provides the messenger account information included in the messenger banking information to the messenger server 635 corresponding to the banking messenger information included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 635.

In addition, the validation of the messenger banking information, the account ledger provided in the ledger D / B on the financial system that provides the non-face-to-face payment service using the messenger linked account information and the messenger included in the messenger banking information; By comparison, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face payment service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and non-face-to-face payment service using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system to provide a, to determine whether the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face payment service using the messenger It is preferable.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information contained in the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides a non-face-to-face payment service using the messenger, Preferably, the financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information that provides the non-face-to-face payment service using the messenger.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information may be used to provide confidentiality, authentication, integrity, and non-repudiation for providing a face-to-face payment service using the messenger. It is desirable to include verifying that the nonrepudiation function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

When the validity of the messenger banking information is confirmed, the information storage unit 620 associates banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association with the storage medium ( 630, the storage medium 630 is provided in the information registration server 600, or when provided on the network associated with the information registration server 600, the information storage unit ( In operation 620, the banking messenger information, the messenger account information, the messenger account information, and the customer information included in the received messenger banking information may be cooperatively stored and stored in the storage medium 630. ) Is provided in the DBMS provided on the financial system, the information storage unit 620 is the messenger information and the messenger for banking included in the received messenger banking information Providing the account information associated with the IM account information and customer information, information to step through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

7 is a diagram showing the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for non-face-to-face payment using a messenger according to an embodiment of the present invention.

In more detail, in FIG. 7, when the storage medium 630 shown in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the banking messenger information and the messenger information for banking are included in the ledger information provided in the ledger D / B. FIG. 7 illustrates an information configuration of an implementation method of storing messenger banking information including messenger account information, messenger linked account information, and customer information, and the present invention will be described with reference to FIG. 7. By referring to and / or modifying the present invention, it is possible to infer various information configuration methods for storing the messenger banking information in the ledger D / B, but the present invention includes all the inferred implementation methods, and is illustrated in FIG. It is not limited only to the implementation method.

Referring to FIG. 7 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 D / D provided in the DBMS on the financial system 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 will be omitted for convenience.

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

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

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

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

Referring to FIG. 7, the messenger banking information provided through the messenger banking information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger, and the messenger banking information is the messenger banking information. And at least one messenger account information, messenger linked account information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 7 according to the embodiment of the present invention, the messenger banking information stored in the form of additional information added to the account ledger includes messenger operator information corresponding to the banking messenger information, messenger program information, and messenger server. (635) information, including messenger ID information and messenger password corresponding to the messenger account information, and an account number for linking and processing the messenger banking information with the account ledger, which is the messenger banking. Since the messenger linked account information included in the information is included in the account ledger provided in the ledger D / B, and the customer information is included in the customer ledger provided in the ledger D / B. to be.

According to another embodiment of the present invention, the messenger banking information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger (eg, a customer ledger) other than the account ledger. It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

8 is a diagram illustrating a configuration of messenger banking information stored in a database associated with the ledger D / B 800 provided in a DBMS on a financial system in a non-face-to-face manner for non-face-to-face payment using a messenger according to another embodiment of the present invention. Figure is shown.

In more detail, FIG. 8 shows an information structure for an implementation method in which the storage medium 805 shown in FIG. 6 is stored in a predetermined database linked to the ledger D / B 800 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 to associate the messenger banking information with the ledger D / B 800 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the messenger banking information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the messenger banking information is stored in a predetermined database instead of the ledger D / B 800, and It shows an implementation method of storing a database and the ledger D / B 800 in association.

In addition, the database shown in FIG. 8 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database on the messenger banking system, and / or according to the intention of a person skilled in the art. It may be configured in the form of a database on an Internet banking system, and / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 8, the database stores and stores banking messenger information, messenger account information, messenger link account information, and customer information included in the messenger banking information, and the messenger banking information is stored in the ledger. It is preferable that the IM banking information further includes a CIF number corresponding to the ledger information in order to be processed in association with the D / B 800.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 8 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database linked to the ledger D / B 800 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 635 information, messenger ID information and messenger password corresponding to the messenger account information, and cooperatively processing the messenger banking information with the account ledger. It comprises an account number for, which is the messenger linked account information included in the messenger banking information is included in the account ledger provided in the ledger D / B 800, the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B 800.

9 is a diagram illustrating the configuration of messenger banking information stored in a DBMS provided in a banking server in a non-face-to-face manner for non-face-to-face payment using a messenger according to another embodiment of the present invention.

In more detail, Figure 9 shows that the storage medium 805 shown in Figure 6 is a messenger banking system, and / or an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server. If one of ordinary skill in the art belongs to the present invention, the present invention will be described with reference to FIG. Although it may be possible to infer a method for configuring information on messenger banking information stored in a predetermined DBMS provided in at least one banking server, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

Referring to FIG. 9, a predetermined DBMS provided in the banking server stores and stores banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association with each other. .

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 635 associated with a predetermined financial system is an MSN messenger server 635, the at least one information may be included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

FIG. 10 illustrates a process of registering messenger banking information in a non-face to face manner for non-face-to-face payment using a messenger according to an embodiment of the present invention.

In more detail, FIG. 10 shows the case where the information registration server 600 on the messenger banking information registration system shown in FIG. 9 has a web server function to which a client terminal can be connected through a predetermined network means. After the terminal accesses the information registration server 600 and connects a communication channel for registering messenger banking information according to the present invention, the messenger information for banking and the messenger account through the communication channel to the information registration server 600. When the messenger banking information including information, messenger linked account information, and customer information is transmitted, the messenger banking information, messenger account information, and messenger linked account information included in the received messenger banking information are received from the information registration server 600. And an implementation method of linking and processing customer information in a predetermined storage medium 805. Those skilled in the art can refer to and / or modify this drawing 10 to infer various implementation methods for registering the messenger banking information from the client terminal to the information registration server 600. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 9 is referred to as a “server” for convenience, and the information is registered in the client terminal. The banking messenger information, the messenger account information, the messenger linked account information, and the customer information transmitted to the server 600 are referred to as "messenger banking information" for convenience.

Referring to FIG. 10, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, the client terminal is a wired terminal 650), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 645. Is connected to the server through a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet, etc., to connect a predetermined communication channel for registering the messenger banking information, and to use non-face-to-face payment using the messenger. When requesting to register the messenger banking information for 1000, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the messenger banking information (1005) and through the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) messenger banking information including at least one of the banking messenger information, messenger account information, messenger linked account information, and customer information at the terminal. It is preferred to include an interface.

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

Thereafter, the terminal inputs (or selects) at least one messenger banking information including at least one banking messenger information, messenger account information, messenger linked account information, and customer information through the information registration interface (1015).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

If the terminal receives (or selects) messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1020), the terminal is connected to the communication channel. The inputted (or selected) banking messenger information, messenger account information, messenger association account information, and customer information are transmitted to the server through 1025.

According to an embodiment of the present invention, the banking messenger information, messenger account information, messenger link account information, and customer information input (or selected) through the communication channel is transmitted to the server through the information registration interface. The method may further include transmitting the input (or selected) messenger banking information to the server by digitally signing and / or encrypting it through a security module provided in the terminal.

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the communication channel to check the validity of the messenger banking information (1030).

According to an embodiment of the present invention, verifying the validity of the messenger banking information may include decrypting the messenger banking information when the messenger banking information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the messenger banking information.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 800 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not to cooperate with the non-face-to-face payment service using a messenger according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that the check is made to include whether the function provided to provide a non-face-to-face payment service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 635 according to the present invention is referred to by the messenger server 635 according to the present invention with reference to the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check to determine whether the messenger server 635 associated with the messenger banking system to provide a non-face-to-face payment service using a messenger according to the present invention based on the system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 635.

For example, the validity checker 625 provides the messenger account information included in the messenger banking information to the messenger server 635 corresponding to the banking messenger information included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 635.

In addition, the validation of the messenger banking information is provided in the ledger D / B 800 on the financial system that provides the non-face-to-face payment service using the messenger linked account information and the messenger included in the messenger banking information. Comparing with the account ledger, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face payment service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and non-face-to-face payment service using the messenger By comparing the customer ledger provided in the ledger D / B (800) on the financial system to provide a, to confirm whether the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face payment service using the messenger It is preferable to comprise.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B 800 on the financial system that provides a non-face-to-face payment service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information is valid for providing a face-to-face payment service using the messenger.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information may be used to provide confidentiality, authentication, integrity, and disclaimer for providing a face-to-face payment service using the messenger. It is desirable to include verifying that the nonrepudiation function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

If the validity of the messenger banking information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and information corresponding to the messenger banking information. Do not perform the registration process.

On the other hand, if the validity of the messenger banking information is authenticated (1035), the server performs an information registration procedure corresponding to the messenger banking information, thereby providing the banking messenger information, messenger account information, messenger linked account information, and customer information. Cooperative processing is performed to store the data in a predetermined storage medium 805 (1045).

According to one embodiment of the invention, the storage medium 805 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 805 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 805 may include at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

11A and 11B illustrate a process of registering messenger banking information in a non-face-to-face manner for non-face-to-face payment using a messenger according to another exemplary embodiment of the present invention.

11A and 11B illustrate more detail in the case where the IM banking information registration system illustrated in FIG. 9 is realized through an internet banking system among non-face-to-face channel-based banking systems, wherein the client terminal is a TCP / IP-based network. After accessing the Internet banking server through the Internet (eg, the Internet) and performing a predetermined customer authentication procedure, the client terminal sends predetermined messenger banking information for non-face-to-face payment using the messenger to the Internet banking server. When the messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information is transmitted, the messenger banking information and the messenger information included in the received messenger banking information are transmitted from the information registration server 600. Link account information with messenger account information and customer information An embodiment of the present invention relates to a storage medium 805. For those of ordinary skill in the art to which the present invention pertains, the information registration server of the client terminal may be referred to and / or modified with reference to FIGS. 11A and 11B. Various implementation methods for registering the messenger banking information may be inferred at 600, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods illustrated in FIGS. 11A and 11B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 11A and 11B, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering messenger banking information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains will be described. Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 11a and 11b and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Messenger banking Although an implementation method of linking an internet banking-based financial transaction channel for information registration may be inferred, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby limiting the present invention. Not.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registering messenger banking information in another banking system such as a wireless banking system and / or a TV banking system, the present invention may infer the telebanking system. And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems, wherein the technical configuration of the present invention is illustrated in FIG. It is by no means limited to the case of Internet banking shown in 11b.

11A and 11B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 600 is referred to as " server " for convenience.

11A and 11B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server communicates between the terminal and the server through the browser. (1105a), wherein the communication channel is generated (or extracted) by a request of a browser program provided to the client terminal in the server and transmitted to the client terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1110a).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (1115a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1120a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (1125a), or if the terminal does not need to install and / or update the security module for internet banking (1115a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1130a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the messenger banking information in the terminal. Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel is information to be provided from the server to the terminal according to a communication protocol defined in the internet banking program. (Or data) by attaching a predetermined digital signature and / or by providing it by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and And / or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registering messenger banking information in the terminal. Attach certain electronic signatures to information (or data) to be performed and / or at least When encrypted and transmitted with one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1135a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1140a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1145a).

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined messenger banking information for non-face-to-face payment using a messenger from the terminal to the server.

Subsequently, when the terminal requests the Internet banking-based messenger banking information registration to the server through the inter-banking-based financial transaction channel to register the messenger banking information (1100b), the server may request a predetermined number for registering the messenger banking information. A web page corresponding to the information registration interface is generated (or extracted) (1105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1110b).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information in the terminal. And / or a predetermined password (e.g., account password, etc.) and / or security to verify the validity of the Internet banking customer requesting registration of the messenger banking information and / or the messenger banking information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Enter a one-time password generated by one OTP authenticator (or OTP authentication program). It is preferable to further include an interface.

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

Thereafter, the terminal inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1115b).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face payment service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face payment service using the messenger. In order to verify that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information may include financial account information of the customer's name that provides a non-face-to-face payment service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face payment using the messenger. It characterized in that it comprises an account number that provides a payment service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face payment service using a messenger according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is a non-face-to-face payment service using the messenger. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may be messenger banking for non-face-to-face payment using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

If the terminal receives (or selects) messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1120b), the terminal performs the financial transaction. The input (or selected) messenger banking information is transmitted to the server through a channel (1125b).

According to an embodiment of the present invention, transmitting the input (or selected) messenger banking information to the server through the financial transaction channel may include the messenger banking information input (or selected) through the information registration interface. It comprises the electronic signature and / or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the messenger banking information through the financial transaction channel to check the validity of the messenger banking information (1130b).

According to an embodiment of the present invention, verifying the validity of the messenger banking information may include decrypting the messenger banking information when the messenger banking information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the messenger banking information.

In addition, the verification of the validity of the messenger banking information, preferably further comprises authenticating a password and / or security code and / or OTP included in the messenger banking information.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 800 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not to cooperate with the non-face-to-face payment service using a messenger according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that the check is made to include whether the function provided to provide a non-face-to-face payment service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 635 according to the present invention is referred to by the messenger server 635 according to the present invention with reference to the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check to determine whether the messenger server 635 associated with the messenger banking system to provide a non-face-to-face payment service using a messenger according to the present invention based on the system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 635.

For example, the validity checker 625 provides the messenger account information included in the messenger banking information to the messenger server 635 corresponding to the banking messenger information included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 635.

In addition, the validation of the messenger banking information is provided in the ledger D / B 800 on the financial system that provides the non-face-to-face payment service using the messenger linked account information and the messenger included in the messenger banking information. Comparing with the account ledger, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face payment service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and non-face-to-face payment service using the messenger By comparing the customer ledger provided in the ledger D / B (800) on the financial system to provide a, to confirm whether the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face payment service using the messenger It is preferable to comprise.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B 800 on the financial system that provides a non-face-to-face payment service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information is valid for providing a face-to-face payment service using the messenger.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information may be used to provide confidentiality, authentication, integrity, and disclaimer for providing a face-to-face payment service using the messenger. It is desirable to include verifying that the nonrepudiation function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

If the validity of the messenger banking information is not authenticated (1135b), the server generates a web page including predetermined messenger banking information registration error information and transmits it to the terminal (1140b) and corresponds to the messenger banking information. Do not perform the information registration procedure.

On the other hand, if the validity of the messenger banking information is authenticated (1135b), the server performs an information registration procedure corresponding to the messenger banking information, thereby linking the messenger banking information and the messenger account information included in the messenger banking information to the messenger association. The account information and the customer information are cooperatively processed and stored in the predetermined storage medium 805 (1145b).

According to one embodiment of the invention, the storage medium 805 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 805 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 805 may include at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined messenger banking information registration history information and transmits it to the terminal (1150b), thereby completing the registration of the messenger banking information transmitted from the terminal.

12 is a diagram illustrating a messenger banking system configuration for payment using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates a method for payment using the messenger banking to a customer who registers the messenger banking information on a predetermined storage medium 1295 through the messenger banking information registration system shown in FIGS. 1 and / or 6. A messenger banking system for providing a messenger-based payment service. Specifically, a storage medium 1295 for storing the messenger banking information is provided in a DBMS on the messenger banking system as shown in FIGS. 4 and / or 9. It is about the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer various implementation methods for configuring a messenger banking system for payment using the messenger banking. The present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs, a storage medium 1295 for storing the messenger banking information by referring to and / or modifying the drawing 12 may be a non-face-to-face messenger-based payment to the customer. When stored in the ledger D / B on the financial system that provides a payment service, and / or stored in a predetermined database associated with the ledger D / B, a messenger based payment payment service for payment using the messenger banking Various messenger banking system configurations can be inferred, and the present invention is characterized by including all the inferred implementation methods.

Referring to FIG. 12 according to an embodiment of the present invention, a messenger banking system for payment using the messenger banking includes: a messenger terminal 1200 equipped with a messenger program 1205 used by at least one messenger customer; A messenger server 1215 that provides at least one messenger service to the messenger customer in association with a messenger program 1205 included in the messenger terminal 1200, and registers messenger banking information illustrated in FIGS. 1 and / or 6. A messenger banking server 1260 that provides a non-face-to-face messenger based payment service to at least one messenger customer using the messenger banking information registered in a predetermined storage medium 1295 through a system, and the messenger banking server Financial city processing at least one messenger banking-based non-face-to-face financial transaction processed at 1260 And characterized by comprising a system, including at least one payment request, the server 1255 provided by generating a predetermined payment information to the IM server 1215 is characterized in that formed.

The payment request server 1255 provides all types or intangible goods (or services) to the messenger customer such as an internet shopping mall server and / or a paid content providing server, and requests all corresponding payments (or devices). , Or a terminal).

According to the present invention, the messenger member provides the payment request server 1255 (eg, an Internet shopping mall server and / or paid contents) through a client terminal (not shown) having a predetermined web browser or the messenger terminal 1200. Server) and receive a tangible or intangible product (or service), and then, according to a payment interface provided by the payment request server 1255 through the client terminal (not shown) or the messenger terminal 1200. The payment means for the tangible or intangible goods (or services) is selected as a payment means through messenger banking, and the messenger account information corresponding to the messenger member to the payment request server 1255 and / or a messenger for banking Provide information.

The payment request server 1255, which has received messenger account information and / or banking messenger information corresponding to the messenger member, has predetermined payment amount information, payment account information to which the payment amount is to be deposited, and the deposit account. It is characterized in that for generating the payment information including the bank information and the messenger account information of the messenger member is opened and transmitted to the messenger server 1215 included in the banking messenger information.

According to an embodiment of the present invention, the payment information may be of a type or intangible type provided by the messenger member (or purchased) from the payment request server 1255 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include purchased product information (eg, purchased product name, purchased product image, purchased product specifications, etc.) corresponding to the product (or service).

In addition, the payment information is the payment request server 1255 information (eg, shopping mall (or content provider) name, payment request server 1255) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 1255 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 1260, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), thereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the messenger terminal 1200 is a wireless terminal carried by the customer, the payment request server 1255 is provided in an offline store to make a predetermined payment to the messenger terminal 1200. It may be a payment terminal (for example, a credit authorization terminal (CAT) terminal or a point of sales (POS) terminal) capable of transmitting information, and the present invention is not limited thereto.

The messenger terminal 1200 connects to the messenger server 1215 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, thereby providing at least one messenger service (eg, text chat, voice chat). And at least one desktop computer and / or notebook computer having a messenger program 1205 for providing image chat, message exchange, file exchange, mailing, friend search, etc.).

Alternatively, the messenger terminal 1200 connects to the messenger server 1215 through a network means including a code division multiple access (CDMA) based wireless communication network to at least one messenger service (eg, text chat, voice chat, image). A Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal with a messenger program 1205 that provides chat, message exchange, file exchange, mailing, friend searching, etc. and / or Or at least one or more Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones. Characterized in that made.

In addition, the messenger terminal 1200 is connected to the messenger server 1215 through a network means including an IEEE 802.16x based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange). And at least one portable Internet terminal having a messenger program 1205 for exchanging files, sending mail, searching a friend, and the like.

In addition, the messenger terminal 1200 is connected to the messenger server 1215 through a network means including an IEEE 802.11x-based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one wireless LAN terminal having a messenger program 1205 for exchanging files, sending mail, searching for friends, and the like.

In addition, the messenger terminal 1200 is connected to the messenger server 1215 through a network means including a DataTAC method based on Motorola, or a Mobitex method based on Erricson, at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 1205 for providing chatting, video chatting, message exchange, file exchange, mailing, friend searching, and the like.

According to the present invention, the messenger terminal 1200 includes a predetermined messenger banking module 1210 interworking with the messenger program 1205 for non-face-to-face messenger banking for payment using the messenger banking. The messenger banking module 1210 may be configured to provide a non-faceted messenger-based payment service for payment using the messenger banking in connection with the messenger program 1205 provided in the messenger terminal 1200. It is characterized by providing.

According to an embodiment of the present invention, the messenger banking module 1210 encrypts payment request information transmitted from the messenger terminal 1200 to the messenger banking server 1260 for payment using the messenger banking; And / or an encryption processing function for decrypting payment response information received from the messenger banking server 1260.

In addition, the messenger banking module 1210 attaches an electronic signature to payment request information transmitted from the messenger terminal 1200 to the messenger banking server 1260 for payment using the messenger banking, and / or It is preferable to include an electronic signature function for confirming the electronic signature attached to the payment response information received from the messenger banking server 1260.

In addition, the messenger banking module 1210 may include at least one OTP code included in payment request information transmitted from the messenger terminal 1200 to the messenger banking server 1260 for payment using the messenger banking. It is preferable to include the function to generate.

In addition, the messenger banking module 1210 may include an official certificate function for providing the encryption processing function and / or an electronic signature function, and / or a memory for storing the public certificate (eg, the messenger terminal ( Or a memory provided in an integrated circuit (IC) chip read through a predetermined card reader provided in the messenger terminal 1200.

The messenger server 1215 is a member for providing at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) through the messenger terminal 1200. Based on the predetermined member information D / B for authentication and the messenger account information received from the messenger terminal 1200 which executes (or drives) the messenger program 1205 in association with the member information D / B. And a messenger member authentication unit 1225 for authenticating the messenger customer.

According to an embodiment of the present invention, the member information stored in the member information D / B includes messenger account information (eg, messenger ID information and messenger password) registered by the messenger customer in the messenger server 1215, and the messenger. It is preferable to include at least one predetermined member personal information (for example, customer name, social security number, address, contact information, etc.) for the customer.

In addition, the member information stored in the member information D / B indicates whether the messenger customer subscribes to the messenger-based payment service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6. It is preferable that the information further comprises a messenger banking subscription information to confirm.

According to the exemplary embodiment of the present invention, when the messenger account 1200 including the messenger ID information and the messenger password is received from the messenger terminal 1200 that executes (or drives) the messenger program 1205, the messenger member authentication unit 1225. ) Compares the messenger account information with the messenger account information included in the member information D / B, so that a messenger customer corresponding to the messenger account information can receive at least one messenger service (eg, text chat, voice chat, video chat, It is desirable to verify that you are a valid messenger customer who can be provided with message exchange, file exchange, mailing, friend search, etc.).

According to an embodiment of the present invention, the messenger member authentication process of the messenger member authentication unit 1225 compares the messenger account information received from the messenger terminal 1200 with the messenger account information provided in the member information D / B. Is performed when the messenger terminal 1200 executes (or drives) the messenger program 1205 for the first time and logs in to the messenger server 1215. Also, the messenger terminal 1200 executes the messenger program 1205. In the case of at least one non-face-to-face messenger banking request through 1205, it is preferable to repeatedly perform the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 1225 succeeds, the messenger server 1215 performs a messenger program 1205 included in the at least one messenger terminal 1200 in which the member authentication succeeds. Character chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc. characterized in that it comprises a messenger operation unit 1235 to operate to provide at least one messenger service.

Those skilled in the art to which the present invention pertains may include text chat, voice chat, video chat, and the like, via the messenger program 1205 provided in the at least one messenger terminal 1200. You will be familiar with the technical features of operating a message exchange, file exchange, mailing, friend search, etc. to provide at least one messenger service, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 12, the messenger server 1215 provides a messenger banking operation unit for providing a messenger-based payment service for payment using the messenger banking in connection with the messenger banking server 1260 through a predetermined communication means. It is characterized by comprising (1220).

The messenger banking operation unit 1220 subscribes to the messenger banking stored in association with the messenger account information of the messenger member in the member information D / B when the messenger member authentication is successful through the messenger member authentication unit 1225. Read the information and check whether the messenger member subscribes to the messenger-based payment service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6; When it is confirmed that the subscriber has subscribed to the messenger-based payment service, the messenger banking manager 1220 is connected to the messenger manager 1235 to messenger banking of the messenger program 1205 included in the messenger terminal 1200. It is characterized by activating the function.

For example, when a messenger banking icon and / or a messenger banking menu are provided in a user interface of the messenger program 1205 provided in the messenger terminal 1200, the messenger banking manager 1220 may be configured as the messenger manager. It is preferable to activate the messenger banking icon and / or the messenger banking menu in the messenger program 1205 included in the messenger terminal 1200 in connection with 1235.

In addition, when the messenger member authentication through the messenger member authentication unit 1225 succeeds (eg, the messenger terminal 1200 executes the messenger program 1205 for the first time (or the messenger banking operation unit 1220). The messenger member authentication performed when the user logs in to the messenger server 1215, and / or at least one non-face-to-face messenger banking through the messenger program 1205 in the messenger terminal 1200. When the messenger member authentication performed upon request is successful), the messenger member authentication result is transmitted to the messenger banking server 1260 through a predetermined communication means.

According to the exemplary embodiment of the present invention, the messenger banking server 1260 may be configured for the messenger association account based on the messenger member authentication result received from the messenger banking operation unit 1220 provided in the messenger server 1215. It is possible to provide non-advanced non-face-to-face financial transaction services such as account inquiry services.

According to the present invention, in order to provide the messenger-based payment service to the messenger member, the messenger server 1215 is connected to the payment request server 1255 through a predetermined network means, and the payment request server 1255 is provided. Receive payment information including predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member; The member information stored in the member information D / B is searched based on the messenger account information of the messenger member included in the payment information to confirm the validity of the messenger member, and when the validity of the messenger member is confirmed, Messenger terminal 1200 that the messenger member uses messenger-based payment processing corresponding to payment information; The payment interlocking unit 1240 interlocks to process through the provided messenger program 1205 and the messenger member whose validity has been confirmed has been executed by executing (or driving) a predetermined messenger program 1205 and logging in. And a payment processing unit 1245 for transmitting the payment information to the messenger program 1205 of the messenger member to process a messenger-based payment. When the messenger program 1205 is not logged in by executing (or driving) the messenger member, when the messenger member logs in, the payment information is transmitted to the messenger program 1205 of the messenger member to process the messenger-based payment. The information is processed in connection with the member information of the messenger member to the member information D / B. Provided with a field information storage unit 1250, which is characterized in that formed.

The payment interlocking unit 1240 is connected to at least one payment request server 1255 through a predetermined network means, and receives the payment information transmitted from the payment request server 1255, the It is characterized by checking the validity of the messenger member by querying the member information stored in the member information D / B based on the messenger account information of the messenger member included in the payment information.

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. It generates and transmits to the messenger server 1215 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 1255 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 1255 information (eg, shopping mall (or content provider) name, payment request server 1255) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 1255 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 1260, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), thereby the present invention is not limited thereto.

The payment interworking unit 1240 confirms the validity of the messenger member, wherein the member information matching the messenger account information of the messenger member included in the payment information is included in the member information stored in the member information D / B. And checking whether the message is a messenger member corresponding to the messenger account information included in the payment information.

When the messenger member corresponding to the messenger account information included in the payment information is confirmed as the messenger member corresponding to the messenger server 1215, the payment interlocking unit 1240 sends the messenger account information to the member information D / B. By confirming the messenger banking subscription information stored in association with, the messenger member to check whether the messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in Figure 1 and / or Figure 6 It is characterized by.

When the messenger banking subscription information is not stored in the member information D / B according to another exemplary embodiment of the present invention, the payment interworking unit 1240 is connected to the messenger banking server 1260 through the messenger banking operation unit 1220. In conjunction with the storage medium 1295 provided at the) to determine whether the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIG. 1 and / or FIG. It is possible, and the invention is not limited thereby.

When the validity of the messenger member is confirmed, the payment interlocking unit 1240 provides the payment processing information to the payment processing unit 1245, thereby performing a messenger-based payment processing corresponding to the payment information. It is characterized in that the interlocking to process through the messenger program 1205 provided in the messenger terminal 1200 to be used, and transmits the result to the payment request server 1255.

The payment processing unit 1245 searches the member information D / B based on the messenger account information of the messenger member included in the payment information, and executes a predetermined messenger program 1205 by the messenger member whose validity is confirmed. (Or drive) to check whether the login.

If the messenger member executes (or drives) a predetermined messenger program 1205 on the basis of the point in time at which the payment request information is received from the payment request server 1255, the payment processing unit 1245 may log in. By sending the payment information to a messenger program 1205 of a messenger member, the payment information received from the payment request server 1255 is processed to be immediately paid through the messenger-based payment service.

On the other hand, if the messenger member has not logged in on the basis of receiving the payment information from the payment request server 1255, the payment processing unit 1245 provides the payment information to the information storage unit 1250. The information storage unit 1250 processes the payment information in association with the member information matching the messenger account information of the messenger member and stores the information in the member information D / B, and then stores the payment information in association with the member information. When the messenger member logs in by executing (or driving) a predetermined messenger program 1205 within a predetermined period of time, the payment information is automatically transferred to the messenger program 1205 to process payment.

The messenger banking server 1260 which provides a messenger-based payment service for payment using the messenger banking to the messenger customer is a messenger banking operation unit 1220 provided in the messenger server 1215 through a predetermined communication means. Interface unit 1265 which is communicatively connected to the messenger terminal 1200 and / or the messenger banking program 1210 (and / or the messenger banking module 1210) included in the messenger terminal 1200 through a predetermined network means. It characterized by comprising a.

The interface unit 1265 may include messenger banking provided in the messenger server 1215 through a communication means including at least one dedicated communication network and / or a secure communication network (eg, a wired / wireless communication network based on an encryption / decryption function). It is characterized in that the operation unit 1220 and the communication channel for receiving a predetermined messenger member authentication result.

If the person skilled in the art to which the present invention pertains, the interface unit 1265 communicates with the messenger banking operation unit 1220 provided in the messenger server 1215 to receive a predetermined messenger member authentication result. Since you will be familiar with the technical features of connecting and managing channels, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger banking operation unit 1220 encrypts and transmits the messenger member authentication result using at least one encryption method, the interface unit 1265 decrypts the decryption method corresponding to the encryption method. Preferably through the function of decrypting the encrypted messenger member authentication result through.

Alternatively, when the messenger banking operation unit 1220 transmits an electronic signature attached to the messenger member authentication result, the interface unit 1265 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make.

Alternatively, when the messenger banking operation unit 1220 transmits a predetermined OTP code in the messenger member authentication result, the interface unit 1265 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 1265 receives payment request information for payment using the messenger banking from the messenger terminal 1200 through a network means including at least one wired or wireless communication network, and / or the messenger. The terminal 1200 connects and manages a financial transaction channel for transmitting payment response information corresponding to the payment request information.

If one of ordinary skill in the art to which the present invention pertains, the interface unit 1265 receives financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 1200, and / or the Since it will be familiar with technical features for connecting and managing a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information to the messenger terminal 1200, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger terminal 1200 encrypts and transmits the payment request information by at least one encryption method, the interface unit 1265 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted payment request information.

Alternatively, when the messenger terminal 1200 transmits an electronic signature to the payment request information, the interface unit 1265 further includes a function of confirming the electronic signature attached to the payment request information. desirable.

Alternatively, when the messenger terminal 1200 includes a predetermined OTP code in the payment request information, the interface unit 1265 further includes a function of checking the OTP code included in the payment request information. It is preferable to make it.

According to another embodiment of the present invention, when the messenger banking server 1260 encrypts and transmits payment response information corresponding to the payment request information to at least one encryption method from the messenger banking server 1260 to the messenger terminal 1200, the interface. The unit 1265 preferably further includes a function of encrypting the payment response information by a predetermined encryption method.

Alternatively, when the messenger banking server 1260 transmits an electronic signature to the payment terminal response information corresponding to the payment request information from the messenger banking server 1260, the interface unit 1265 may transmit information to the payment response information. It is preferable to further include a function of attaching an electronic signature.

According to the present invention, the messenger banking server 1260 is connected to the interface unit 1265, the information receiving unit 1275 for receiving a predetermined message member authentication result from the messenger server 1215 through the communication means. It is characterized by comprising.

In addition, the information receiving unit 1275 is connected to the interface unit 1265 through the network means from the messenger terminal 1200 through the network means for a predetermined non-face-to-face finance for the authentication of the messenger banking customer for payment using the messenger banking And receiving transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to an embodiment of the present invention, the non-face-to-face financial transaction authentication information is preferably included in (or applied to) payment request information received from the messenger terminal 1200 and received.

In addition, the information receiving unit 1275 may receive payment request information for payment using the messenger banking from the messenger terminal 1200 through the network means in association with the interface unit 1265. .

According to an embodiment of the present invention, the payment request information may include messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and the non-payment request information. Withdrawal account information and withdrawal account password corresponding to messenger linked account information for face-to-face messenger banking (or the payment amount included in the payment information is withdrawn) and payment information received from the messenger server 1215. It characterized in that it comprises at least one, wherein the payment request information is preferably a predetermined electronic signature is attached and / or encrypted by the messenger banking module 1210 provided in the messenger terminal 1200.

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. It generates and transmits to the messenger server 1215 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 1255 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 1255 information (eg, shopping mall (or content provider) name, payment request server 1255) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 1255 is configured to provide predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registering, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking. The server 1260 is replaced with the messenger linked account information of the shopping mall (or the content provider), and the payment is processed. Accordingly, the present invention is not limited thereto.

The messenger banking server 1260 includes a customer authentication unit 1280 that authenticates the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 1200 through the information receiving unit 1275. Characterized in that made.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined payment request information, the customer authentication unit 1280 is included (or applied) in the payment request information. Characterization, authentication, integrity and nonrepudiation of the messenger-based payment service corresponding to the payment request information through non-face-to-face financial transaction authentication information are secured. .

When non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received through the information receiver 1275, the customer authentication unit 1280 receives the received messenger banking ID / PW information and the storage medium. By comparing the ID / PW information for messenger banking included in the customer information stored at 1295, the confidentiality of the messenger-based payment service corresponding to the validation of the messenger banking customer and / or corresponding to the payment request information. , Authentication, integrity and non-repudiation.

In addition, the information encrypted through the information receiving unit 1275 through at least one encryption key (eg, symmetric key, public key, private key, etc.) provided in the authentication certificate provided in the messenger terminal 1200 When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 1280 decrypts the data through a predetermined decryption key (for example, a symmetric key, a private key, or a public key) corresponding to the encryption key. Validating the messenger banking customer and / or securing confidentiality, authentication, integrity and non-repudiation of the messenger-based payment service corresponding to the payment request information.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received through the information receiving unit 1275, the customer authentication unit 1280 receives the reception. Messenger-based payments corresponding to the validity of the messenger banking customer and / or corresponding to the payment request information by comparing the secured card information with the secured card information included in the customer information stored in the storage medium 1295. Ensuring confidentiality, authentication, integrity and nonrepudiation of the service.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer is received through the information receiving unit 1275, the customer authentication unit 1280 is the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 1295, comparing the generated OTP code with the received OTP code, thereby validating the messenger banking customer; and And / or secure confidentiality, authentication, integrity, and nonrepudiation of the messenger-based payment service corresponding to the payment request information.

Referring to FIG. 12, the messenger banking server 1260 processes a non-face-to-face financial transaction for providing a messenger based payment service in response to payment request information received through the information receiving unit 1275. The processor 1285 and the banking processor 1285 are provided in the financial system through a predetermined interface means to process a non-face-to-face financial transaction for providing a messenger-based payment service in response to payment request information. When a non-face-to-face financial transaction for inquiring at least one or more ledger information from the ledger D / B, and / or providing the messenger-based payment service by the banking processor 1285, a predetermined number of interfaces The ledger information corresponding to the non-face-to-face financial transaction is generated through the ledger D / B provided in the financial system. The interface unit 1265 is generated by generating a payment response information including a ledger processing unit 1290 for storing and a non-face-to-face financial transaction result for providing a messenger-based payment service in response to the payment request information. Characterized in that it comprises an information transmitting unit 1270 for transmitting to the messenger terminal 1200 through.

The messenger member authentication result is received from the messenger server 1215 through the information receiving unit 1275 and the messenger terminal 1200 corresponding to the messenger member authentication result is received through the information receiving unit 1275. When the financial transaction request information corresponding to the account inquiry request for the linked account is received, the banking processing unit 1285 requests the account inquiry for the messenger linked account to the ledger processing unit 1290, and correspondingly, the ledger processing unit 1290 queries the account ledger corresponding to the messenger linked account from the ledger D / B provided in the financial system through a predetermined interface means, and the information transmitting unit 1270 is an account corresponding to the messenger linked account. Generate financial transaction response information including a ledger inquiry result and transmit it to the messenger terminal 1200 through the interface unit 1265. Characterized in that.

The messenger member authentication result is received from the messenger server 1215 through the information receiving unit 1275 and the messenger terminal 1200 corresponding to the messenger member authentication result is received through the information receiving unit 1275. When the payment request information for payment using banking is received and the non-face-to-face financial transaction authentication information corresponding to the payment request information is normally authenticated by the customer authentication unit 1280, the banking processor 1285 is And performing a payment procedure corresponding to the payment request information.

According to an embodiment of the present invention, the payment information included in the payment request information includes predetermined payment amount information, withdrawal account information to which the payment amount of the messenger linked account is withdrawn, the withdrawal account password and When the payment is made, the bank account processing unit 1285 through the ledger processing unit 1290, the bank account processing unit 1290, when the payment account information to be deposited, including at least one or more deposit account information and the deposit bank information is opened; It is preferable to check whether the amount corresponding to the payment amount is deposited in the withdrawal account by querying the account ledger corresponding to the account ledger corresponding to the withdrawal account information through the ledger processing unit 1290. It is preferable to check the validity of the withdrawal account password by inquiring.

In addition, the banking processing unit 1285 reads the deposit bank information to check whether the wage account is opened in the party equipped with the financial system or in the other row, the deposit account is in the bank. When opened, it is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system through the ledger processing unit 1290, or when the deposit account is opened in the other row, It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the deposit bank information through a financial common network through the ledger processing unit 1290 through the financial system.

Thereafter, the banking processor 1285 calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the deposit account, and the payment amount and the payment payment to the ledger processor 1290. Request a ledger to withdraw a fee from the withdrawal account and deposit it into the deposit account.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 1290 generates ledger information for withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the payment account, and through the predetermined interface means. And storing the information in a ledger D / B provided in the system, and the information transmitting unit 1270 generates payment response information including a non-face-to-face financial transaction result corresponding to the payment request information. Characterized in that the transmission to the messenger terminal 1200 through the unit 1265.

According to another exemplary embodiment of the present invention, predetermined payment amount information is included in the payment information included in the payment request information, withdrawal account information to which the payment amount of the messenger linked account is withdrawn, and the withdrawal account password. And at least one depositing messenger account information corresponding to the messenger member who is to receive the payment amount, the banking processor 1285 is connected to the storage medium 1295 to receive the deposit messenger account information. And deposits the messenger linked account information stored in association with.

If at least two extracted payment-side messenger association accounts are included (or if no deposit account is specified among at least two payment-side messenger association accounts), the banking processor 1285 may be configured as the messenger terminal 1200. By providing the extracted payment-side messenger linked account information, requesting to select a predetermined payment-side messenger linked account to which the payment amount is to be deposited, and from the messenger terminal 1200 through the information receiving unit 1275. Receives the selected payment-side messenger linked account information.

At this time, since the received payment-side messenger linked account information will be a financial account opened in the bank, the banking processor 1285 corresponds to the deposit account information in connection with the financial system through the ledger processor 1290. It is advisable to check if a financial account is opened.

In addition, when the banking processor 1285 includes at least one deposit account information to which the payment amount is to be deposited, and at least one deposit bank information in which the deposit account is opened, the banking processor 1285 may include the ledger processing unit ( 1290, it is preferable to check the account ledger corresponding to the withdrawal account information to check whether the amount corresponding to the payment amount is deposited in the withdrawal account, and / or through the ledger processing unit 1290 It is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information.

Thereafter, the banking processor 1285 calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the deposit account, and the payment amount and the payment payment to the ledger processor 1290. Request a ledger to withdraw a fee from the withdrawal account and deposit it into the deposit account.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 1290 generates ledger information for withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the payment account, and through the predetermined interface means. And storing information in a ledger D / B provided in the system, and the information transmitting unit 1270 generates payment response information including a non-face-to-face financial transaction result corresponding to the payment request information. It is characterized in that the transmission to the messenger terminal 1200 through (1265).

According to the exemplary embodiment of the present invention, the banking processor 1285 checks whether the messenger linked account is connected to a predetermined mother account, and when the messenger linked account is connected to a predetermined mother account, the banking processor 1285 is Through the ledger processing unit 1290 checks the customer communication means (e.g., customer cell phone number) information corresponding to the customer corresponding to the predetermined mother account from the customer ledger corresponding to the mother account from the ledger D / B on the financial system And requesting the customer communication means to approve the messenger banking-based payment using the messenger linked account as a withdrawal account. In this case, when the messenger banking-based payment is approved by the customer communication means, the messenger banking It is desirable to process the underlying payment.

For example, when the messenger member is a minor (or a limited amount or a garner) and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the banking processor 1285 may be configured to execute the messenger account. A parent (or law) corresponding to a customer corresponding to the predetermined parent account from the customer ledger corresponding to the parent account of the parent (or legal guardian) of the messenger member from the ledger D / B on the financial system through the ledger processing unit 1290. Parent guardian) to verify the means of communication (e.g., customer's mobile phone number) and to request that the parent (or legal guardian) communication means approve a messenger banking based payment using the messenger linked account as a withdrawal account; In this case, the parent (or legal guardian) means of communication in the messenger banking-based payment means If approved, it is desirable to process the messenger banking based payment.

According to another exemplary embodiment of the present invention, the banking processor 1285 checks whether the messenger linked account is connected with a predetermined mother account, the messenger linked account is connected with a predetermined mother account, and the mother account is also illustrated in FIG. 1. And / or registered with the messenger linked account through the messenger banking information registration system shown in FIG. 6, the banking processor 1285 checks messenger account information corresponding to the mother account from the storage medium 1295, It is preferable to request a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 1205 corresponding to the messenger account information corresponding to the confirmed mother account, and in this case correspond to the parent account. The messenger banking in the messenger program 1205 corresponding to the messenger account information If the half-payment is approved, it is desirable to process the messenger banking-based payments.

For example, the messenger member is a minor (or a limited amount or a garner), and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 1 and / or 6. When the predetermined messenger banking information is registered through the information registration system, the banking processor 1285 checks the messenger account information of the parent (or legal guardian) from the storage medium 1295, and checks the identified parent (or legal). Requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 1205 corresponding to the messenger account information of the parent guardian), in which case the parent (or legal guardian) In the messenger program 1205 corresponding to the messenger account information of If the phosphorus, it is preferable to process the messenger banking based payment.

Referring to FIG. 12, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

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

According to an embodiment of the present invention, the external system of the financial system may be configured to perform at least one non-face-to-face financial transaction processing function requested from the messenger banking server 1260 in association with the messenger banking server 1260 through the interface means. For example, it is preferable to include a messenger banking unit for performing a ledger inquiry, or ledger information storage.

In general, the financial system is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network), and through the window terminal. Provide face-to-face financial transaction services to 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 it is linked to a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based wireless LAN 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) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, the wireless LAN / portable A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). 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, 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 call 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 (eg, 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 or more digital TV (for example, two-way digital TV, satellite DMB) connected to a predetermined return channel (Return Channel) through the TV banking server Terminal, terrestrial DMB terminal, etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

Referring to FIG. 12, the financial system is connected to the messenger banking server 1260, and the at least one messenger terminal 1200 connected to a predetermined wired / wireless communication network through the messenger banking server 1260. It provides a non-face-to-face financial transaction service to at least one messenger customer through.

13 is a diagram illustrating a payment request process for payment using messenger banking according to an embodiment of the present invention.

In more detail, in FIG. 13, a predetermined messenger member provides an Internet shopping mall server and / or paid content shown in FIG. 12 through a client terminal (not shown) and / or a messenger terminal 1200 having a predetermined web browser. Receive at least one or more types or intangible goods (or services) by accessing a payment request server 1255 including at least one server, and the messenger banking as a payment method for the types or intangible goods (or services). In the case of selecting payment using the payment process, the payment request server 1255 is a process for processing payment using the messenger banking, and a person having ordinary knowledge in the art to which the present invention belongs, FIG. 13 By referring to and / or modifying the method, various implementation methods for the payment request process for payment using messenger banking are available. It may be ugly, but the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 13 so that the payment request server 1255 is provided in an offline store to make a predetermined payment to the messenger terminal 1200. A payment terminal capable of transmitting payment information (eg, a credit authorization terminal (CAT) terminal or a point of sales terminal) may infer an implementation method, but the present invention includes all implementation methods inferred from the above. Is done.

Hereinafter, in FIG. 13, a client terminal (not shown) and / or a messenger terminal 1200 having the predetermined web browser are referred to as "terminals" for convenience, and the Internet shopping mall server and / or paid contents shown in FIG. The payment request server 1255 including at least one providing server is referred to as a "server" for convenience.

Referring to FIG. 13, when the messenger member accesses the server through the terminal and purchases (or receives) at least one or more types or intangible goods (or services) (1300), the server sends the terminal to the terminal. In operation 1305, a payment method selection interface for selecting a predetermined payment method for payment processing corresponding to a tangible or intangible product (or service) is provided.

According to an embodiment of the present invention, the payment means selection interface is at least one conventional payment means such as credit card payment means, check card payment means, debit card payment means, bank transfer payment means, bank account payment means, mobile phone payment means, etc. It preferably comprises a selection interface and a user interface for selecting at least one payment means of the messenger banking payment means according to the present invention.

Thereafter, the terminal inputs (or selects) payment means selection information corresponding to a predetermined payment means for payment processing corresponding to the tangible or intangible goods (or services) through the payment means selection interface. In operation 1310, the server reads the payment means selection information and checks whether the terminal selects the messenger banking-based payment through the messenger banking payment means according to the present invention (1315).

If the result of reading the payment means selection information is not selected by the instant messenger banking payment through the messenger banking payment means according to the present invention (for example, credit card payment means, check card payment means, debit card payment means, bank transfer payment means If a predetermined payment means is selected from the bankbook payment means, mobile payment means) (1320), the server corresponding to the type or intangible goods (or services) through the payment means corresponding to the payment means selection information The payment is processed (1325).

Those skilled in the art to which the present invention belongs, any one of the credit card payment means, check card payment means, debit card payment means, bank transfer payment means, bankbook payment payment means, mobile phone payment means in the server Since you will be familiar with the technical features of the payment processing through the payment method, a detailed description thereof will be omitted for convenience.

On the other hand, if the messenger banking-based payment through the messenger banking payment means according to the present invention is selected (1320), the server sends a messenger account for the messenger banking-based payment according to the present invention to the terminal. Providing a messenger banking information input interface for inputting (or selecting) information and / or banking messenger information (1330), and correspondingly, the terminal transmits the tangible or intangible product (or service) through the messenger banking information input interface. In operation 1335, the messenger account information and / or the banking messenger information for payment processing corresponding to) are input (or selected) to the server.

14 is a diagram illustrating a payment processing process for payment using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 14 corresponds to a messenger member provided with the tangible or intangible goods (or services) to the payment request server 1255 shown in FIG. 12 through the payment request process shown in FIG. When messenger account information and / or banking messenger information is received, the payment request server 1255 generates predetermined payment information based on the messenger account information and / or banking messenger information as shown in FIG. When the message is transmitted to the messenger server 1215, the messenger server 1215 processes a payment corresponding to the payment information through the payment information, and the general knowledge in the technical field to which the present invention pertains. For example, referring to FIG. 14 and / or modified, various implementation methods for a payment processing process for payment using messenger banking are described. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 14 and include the payment side messenger account information of the shopping mall (or content provider) in the payment information. It may be inferred that, but the present invention comprises all the inferred method of implementation.

Referring to FIG. 14, a messenger corresponding to a messenger member provided with the tangible or intangible goods (or services) to the payment request server 1255 shown in FIG. 12 through the payment request process shown in FIG. Upon receipt of account information and / or messenger information for banking, the payment request server 1255 may be configured to provide the messenger account information of the messenger member, payment amount information corresponding to the tangible or intangible goods (or services), and the payment. Generates predetermined payment information including payment account information and deposit bank information to which a payment amount is to be deposited (1400), and transmits the generated payment information to a messenger server 1215 corresponding to the banking messenger information. (1405).

According to an embodiment of the present invention, the payment information may be of a type or intangible type that is provided (or purchased) by the messenger member from the payment request server 1255 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include purchased product information (eg, purchased product name, purchased product image, purchased product specifications, etc.) corresponding to the product (or service).

In addition, the payment information is the payment request server 1255 information (eg, shopping mall (or content provider) name, payment request server 1255) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

Thereafter, the messenger server 1215 checks the validity of the messenger member through the messenger account information included in the payment information (1410).

According to the method of the present invention, the server confirming the validity of the messenger member is matched with the messenger account information of the messenger member included in the payment information among the member information stored in the member information D / B. And searching whether the member information exists to determine whether the messenger member corresponding to the messenger account information included in the payment information is a messenger member corresponding to the messenger server 1215.

When the messenger member corresponding to the messenger account information included in the payment information is identified as the messenger member corresponding to the messenger server 1215, the server is stored in association with the messenger account information in the member information D / B. By confirming the messenger banking subscription information, the messenger member may be a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIGS. 1 and / or 6.

According to another embodiment of the present invention, if the messenger banking subscription information is not stored in the member information D / B, the server is provided in the messenger banking server 1260 through the messenger banking operation unit 1220. It is possible to check whether the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIGS. 1 and / or 6, in conjunction with the storage medium 1295. The present invention is not limited by this.

If the validity of the messenger member is not authenticated (1415), the messenger server 1215 generates predetermined messenger member error information and transmits it to the payment request server 1255 (1420). The request server 1255 ends the payment using the messenger banking and performs a payment using another payment method.

On the other hand, if the validity of the messenger member is authenticated (1415), the messenger server 1215 checks whether the messenger member whose validity has been authenticated has logged in to the messenger server 1215 through a predetermined messenger program 1205 ( 1425).

According to the exemplary embodiment of the present invention, the messenger server 1215 searches for the member information D / B based on the messenger account information of the messenger member included in the payment information, and determines the messenger member whose validity is confirmed. It is preferable to check whether the user has logged in by executing (or driving) the messenger program 1205.

If the messenger member does not log in at the time when the payment request information is received from the payment request server 1255 (1430), the server matches the payment information with the messenger account information of the messenger member. The association information is stored in the member information D / B (1435), and then the payment information stored in association with the member information is executed by the messenger member within a predetermined period of time (or driving of the predetermined messenger program 1205). If the user logs in, the program is automatically sent to the messenger program 1205 to process payment.

On the other hand, when the messenger member executes (or drives) a predetermined messenger program 1205 based on the time point at which the payment request information is received from the payment request server 1255 (1430), the server sends the messenger. By transmitting the payment information to the member's messenger program 1205 (1440), the payment information received from the payment request server 1255 is processed to make a payment immediately through the messenger-based payment service.

15 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates that when a messenger program 1205 executes (or drives) a messenger program 1205 and logs in to a messenger server 1215 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. A messenger member authentication process for activating to provide a payment service using the messenger banking through a program 1205, specifically messenger banking subscription information for confirming whether the messenger member is the messenger banking customer is shown in FIG. It is for the case where the stored member information is stored in D / B.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 15 to infer various implementation methods for a messenger member authentication process for payment using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, in FIG. 15, the messenger terminal 1200 shown in FIG. 12 is referred to as "terminal" for convenience, and the messenger server 1215 shown in FIG. 12 is referred to as "server" for convenience.

Referring to FIG. 15, when a predetermined messenger member executes (or drives) (or automatically executes) a messenger program 1205 provided in a predetermined terminal, the terminal receives the messenger program 1205 through the messenger program 1205. The messenger account information of the messenger member is input and transmitted to the server (1500).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 1205 and transmitting the messenger account information to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 1205 further comprises the step of automatically inputting the messenger account information stored in the memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (1505).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (1510), The server generates a predetermined messenger member error result and transmits the result to the terminal (1515). In response, the terminal receives at least one messenger service (eg, text chat, voice chat, image) through the messenger program 1205. End without providing chat, message exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (1510), the server The messenger banking subscription information associated with the messenger account information is read to determine whether the messenger member is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIGS. 1 and / or 6 (1520).

According to an embodiment of the present invention, the server is processed in association with the messenger account information to confirm messenger banking subscription information stored in the member information D / B, whereby the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether a user is registered as a messenger banking customer through a messenger banking information registration system.

If the messenger member is not subscribed as a messenger banking customer (1525), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member 1205 through the messenger program 1205). Generates and transmits (1530) information to authenticate the valid membership to the terminal, the terminal corresponding to the at least one messenger function (e.g. text chat, voice chat, image) provided in the messenger program 1205 Chat, message exchange, file exchange, mailing, friend search, etc.) (1535).

On the other hand, if the messenger member is subscribed as a messenger banking customer (1525), the server is the messenger member authentication result including the messenger account information (eg, the messenger member is at least one messenger through the messenger program 1205). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 1260 (1540), and the messenger banking server 1260 transmits the messenger member authentication result to a predetermined storage medium 1295. (1545).

According to the exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1260 is the messenger member upon request for payment using at least one messenger banking from the terminal to the messenger banking server 1260. It is preferably used as information to authenticate the validity of the.

The messenger member authentication result stored in the messenger banking server 1260 may include at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry is requested from the terminal to the messenger banking server 1260. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Thereafter, the server searches the member information D / B and checks whether payment information corresponding to the messenger member is stored in the member information D / B through the payment settlement process shown in FIG. 14 (1550). ).

If payment information corresponding to the messenger member is not stored in the member information D / B (1555), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal (1560). In response, the terminal activates at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 1205. Further, based on the messenger banking subscription information, the messenger banking function provided in the messenger program 1205 is activated (1565).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 1260 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 1205 may include: when a messenger banking icon and / or a messenger banking menu are provided in the messenger program 1205, It is preferable that the messenger member is activated to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 1205 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1205, and / or A messenger program 1205 provided in at least one or more other terminals associated with the messenger program 1205, and / or at least one server associated with the messenger program 1205 (eg, a payment request server shown in FIG. 12). (1255), or upon request for payment using the messenger banking from the messenger server 1215, or the messenger banking server 1260, etc., in response to this, activates to perform a payment settlement process using the requested messenger banking. It is preferable to include what is included.

On the other hand, if the payment information corresponding to the messenger member is stored in the member information D / B (1555), the server receives the member information through the payment settlement process shown in FIG. 14 from the member information D / B. The payment information stored in the D / B is extracted (1570).

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. It generates and transmits to the messenger server 1215 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 1255 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 1255 information (eg, shopping mall (or content provider) name, payment request server 1255) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 1255 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 1260, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), thereby the present invention is not limited thereto.

Thereafter, the server includes the messenger banking subscription information and the extracted payment information in the messenger member authentication result (1575), and correspondingly, the terminal is provided in the messenger program 1205. Activate at least one messenger function (e.g., text chat, voice chat, image chat, message exchange, file exchange, mailing, friend search, etc.), and also activate the messenger program 1205 based on the messenger banking subscription information. After activating the provided messenger banking function, by outputting the payment information to the messenger program 1205 (1580), the messenger program 1205 corresponds to the payment information through the activated messenger banking function. Payment processing to be performed.

16 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates that when a messenger program 1205 executes (or drives) a messenger program 1205 and logs in to a messenger server 1215 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. As a messenger member authentication process for activating to provide a payment service using the messenger banking through a program 1205, a process of confirming whether the messenger member is a messenger banking customer is described in FIGS. 1 and / or 6. When processing in connection with the storage medium 1295 on the illustrated instant messenger banking information registration system A such, the storage medium (1295) is considered to be provided in the banking server of the IM 1260. As shown in the figure 12.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for a messenger member authentication process for payment using messenger banking. The invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify the drawing 16 so that the storage medium 1295 provides a non-face-to-face messenger banking service to the customer. When stored in the ledger D / B, and / or in a predetermined database associated with the ledger D / B, in accordance with the storage medium (1295) various implementation methods for confirming that the messenger member is a messenger banking customer It may be inferred, and the present invention is characterized by including all the methods of inference.

Hereinafter, in FIG. 16, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger server 1215 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 16, when a predetermined messenger member executes (or drives) a messenger program 1205 provided in a predetermined terminal (or is automatically executed), the terminal may be connected to the messenger member through the messenger program 1205. Input the messenger account information of the server and transmit it to the server (1600).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 1205 and transmitting the messenger account information to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 1205 further comprises the step of automatically inputting the messenger account information stored in the memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the membership information D / B to authenticate the validity of the messenger member (1605).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (1610), The server generates a predetermined messenger member error result and transmits it to the terminal (1615), and correspondingly, the terminal corresponds to at least one messenger service (eg, text chat, voice chat, video chat) through the messenger program 1205. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (1610), the server The messenger banking is generated by generating the messenger member authentication result including the messenger account information (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 1205). The message banking server checks whether the messenger account information matched with the messenger account information is stored in the storage medium 1295. And / or as a messenger banking customer through the messenger banking information registration system shown in FIG. Make sure the Mouth (1625).

According to the exemplary embodiment of the present invention, when the messenger banking server 1260 determines that messenger account information matching the messenger account information is stored in the storage medium 1295, the messenger member is the first and / or second drawings. It is preferable to check whether the user is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIG.

If the messenger member is not subscribed as a messenger banking customer (1630), the messenger banking server 1260 generates messenger banking non-subscription information for the messenger account information and transmits the messenger banking information to the server (1635).

Thereafter, the server generates and transmits the messenger member authentication result (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 1205). In response, the terminal may perform at least one or more messenger functions (eg, text chat, voice chat, image chat, message exchange, file exchange, mail transmission, friend search, etc.) included in the messenger program 1205. Activate (1645).

On the other hand, if the messenger member is subscribed as a messenger banking customer (1630), the messenger banking server 1260 may perform at least one messenger service through the messenger member authentication result (eg, the messenger member through the messenger program 1205). Information is stored in a predetermined storage medium 1295 (1650), and the messenger banking subscription information for the messenger account information is generated and transmitted to the server (1655).

According to the exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1260 is the messenger member upon request for payment using at least one messenger banking from the terminal to the messenger banking server 1260. It is preferably used as information to authenticate the validity of the.

The messenger member authentication result stored in the messenger banking server 1260 may include at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry is requested from the terminal to the messenger banking server 1260. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Thereafter, the server searches for the member information D / B and checks whether payment information corresponding to the messenger member is stored in the member information D / B through the payment settlement process shown in FIG. 14 (1660). ).

If payment information corresponding to the messenger member is not stored in the member information D / B (1665), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal (1670). In response, the terminal activates at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 1205. Also, the messenger banking function of the messenger program 1205 is activated based on the messenger banking subscription information (1675).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 1260 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 1205 may include: when a messenger banking icon and / or a messenger banking menu are provided in the messenger program 1205, And enabling a messenger member to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 1205 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1205, and / Or a messenger program 1205 provided in at least one or more other terminals associated with the messenger program 1205, and / or at least one server associated with the messenger program 1205 (eg, a payment request shown in FIG. 12). When a payment request using the messenger banking is requested from a server 1255, the messenger server 1215, or the messenger banking server 1260, etc., it is activated to perform a payment settlement process using the requested messenger banking in response. It is preferable that it consists of including.

On the other hand, if the payment information corresponding to the messenger member is stored in the member information D / B (1665), the server receives the member information from the member information D / B through the payment processing shown in FIG. The payment information stored in the D / B is extracted (1680).

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. It generates and transmits to the messenger server 1215 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 1255 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 1255 information (eg, shopping mall (or content provider) name, payment request server 1255) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 1255 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 1260, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), thereby the present invention is not limited thereto.

Thereafter, the server includes the messenger banking subscription information and the extracted payment information in the messenger member authentication result (1685), and correspondingly, the terminal is provided in the messenger program 1205. Activated at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mailing, friend search, etc.), and also based on the messenger banking subscription information. After activating the messenger banking function included in the terminal, the payment information is output to the messenger program 1205 (1690), and the messenger program 1205 is then used to send the payment information through the activated messenger banking function. Perform the corresponding payment processing.

17 is a diagram illustrating a non-face-to-face financial transaction authentication process for payment using messenger banking according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates the messenger banking provided in the messenger program 1205 included in the messenger terminal 1200 after performing the messenger member authentication process as shown in FIGS. 15 and / or 16. When the function is activated, to perform a non-face-to-face financial transaction authentication process for processing a face-to-face financial transaction for payment using the messenger banking based on the activated messenger banking function, according to the technical features of the present invention Accordingly, in FIG. 17, before the non-face-to-face financial transaction authentication process is performed, the non-face-to-face financial transaction (eg, account inquiry, etc.) is performed through the messenger member authentication result shown in FIGS. 15 and / or 16 as shown in FIG. 18. Will be further illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various implementation methods for the non-face-to-face financial transaction authentication process for payment using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 17.

Hereinafter, in FIG. 17, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger banking server 1260 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 17, a messenger banking icon corresponding to a messenger banking function activated by a messenger member through a messenger program 1205 provided in a predetermined terminal through the process shown in FIG. 15 and / or FIG. When the messenger banking menu is selected (1700), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program, and a predetermined non-face-to-face financial transaction authentication information input item is displayed through the user interface. Check if it is selected (1705).

According to an embodiment of the present invention, the messenger banking item selection user interface output through the messenger program 1205 before the non-face-to-face financial transaction authentication process is performed, at least one corresponding to payment using the messenger banking. Of the above messenger banking items, the messenger banking items that can be processed after the non-face-to-face financial transaction authentication process shown in FIG. 17 are preferably deactivated.

For example, the messenger banking item selection user interface output through the messenger program 1205 before the non-face-to-face financial transaction authentication process is performed may include a predetermined non-face-to-face financial transaction authentication information input item and the drawing 15 and / or It is preferable that only messenger banking items corresponding to non-facial non-face-to-face financial transactions (eg, account inquiry, etc.) that can be processed only by the messenger member authentication result shown in FIG. 16 are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (1710), the terminal is a non-face-to-face non-face-to-face process that can be processed only by the messenger member authentication results shown in FIGS. 15 and / or 16. In operation 1715, it is checked whether an account inquiry-based messenger banking item corresponding to the financial transaction is selected.

If an account inquiry-based messenger banking item corresponding to a non-face-to-face non-face-to-face financial transaction that can be processed only by the result of the new member authentication is not selected through the user interface (1720), the terminal provides a predetermined non-face-to-face through the user interface. The process of checking whether the financial transaction authentication information input item is selected is repeated.

On the other hand, if an account inquiry-based messenger banking item corresponding to a non-face-to-face non-financial transaction that can be processed only by the result of the new member authentication is selected through a user interface (1720), the terminal is an account inquiry-based messenger as shown in FIG. Perform banking procedures.

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (1710), the terminal outputs at least one non-face-to-face financial transaction authentication information input user interface through the messenger program 1205, In operation 1725, at least one non-face-to-face financial transaction authentication information is input through the user interface.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

If at least one non-face-to-face financial transaction authentication information is input through the user interface (1730), the terminal is input through the process shown in FIGS. 15 and / or 16 through the messenger program 1205. In operation 1735, messenger account information and at least one non-face-to-face financial transaction authentication information input through the user interface are transmitted to the server.

According to another embodiment of the present invention, in place of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 15 and / or FIG. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process shown in FIGS. 15 and / or 16 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Check the validity for (1740).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is not confirmed (1745), the server generates predetermined non-face-to-face financial transaction authentication error result information and transmits it to the terminal (1750). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (1755).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (1745), the server sends the message to the messenger banking customer (or payment using the messenger banking) through the non-face-to-face financial transaction authentication information. Check the validity (1760).

According to an embodiment of the present invention, if non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received from the terminal, the server receives the received messenger banking ID / PW information and the storage medium 1295. By comparing the ID / PW information for messenger banking included in the customer information stored in the, the confidentiality, authentication, integrity and non-repudiation of the validity of the messenger banking customer and / or payment using the messenger banking is ensured. It is desirable to.

In addition, non-face-to-face finance including information encrypted from the terminal through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in the authentication certificate provided in the messenger terminal 1200. When the transaction authentication information is received, the server decrypts through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key, thereby validating the messenger banking customer, and It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of payment using the instant messenger banking.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received from the terminal, the server receives the received security card information and the storage medium 1295. By comparing the security card information included in the customer information stored in the), it is desirable to ensure the validity of the messenger banking customer, and / or to secure the confidentiality, authentication, integrity and non-repudiation of payments using the messenger banking Do.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer is received from the terminal, the server includes the customer information stored in the customer information stored in the storage medium 1295. By generating a predetermined OTP code based on the OTP code generation information, and comparing the generated OTP code and the received OTP code, to verify the validity of the messenger banking customer, and / or to pay using the messenger banking It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation.

If the validity of the messenger banking customer (or payment using the messenger banking) is not authenticated through the non-face-to-face financial transaction authentication information (1765), the server generates predetermined non-face-to-face financial transaction authentication error result information. In operation 1750, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (1755).

On the other hand, if the validity of the messenger banking customer (or payment using the messenger banking) is authenticated through the non-face-to-face financial transaction authentication information (1765), the server generates predetermined non-face-to-face financial transaction authentication approval result information. Transmitting to the terminal (1770), and correspondingly, the terminal activates a messenger banking item corresponding to the non-face-to-face financial transaction authentication approval result information (1775), and the messenger banking corresponding to the non-face-to-face financial transaction authentication approval result information The item is characterized by comprising a payment item using messenger banking according to the present invention.

18 is a diagram illustrating a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

More specifically, FIG. 18 illustrates a non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIGS. 15 and / or 16 while performing the non-face-to-face financial transaction authentication process shown in FIG. If the corresponding account inquiry-based messenger banking item is selected, the process for processing the non-face-to-face financial transaction corresponding to the account inquiry-based messenger banking item, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying FIG. 18, it is possible to infer implementation methods for various non-face-to-face financial transaction processes based on messenger member authentication results, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger banking server 1260 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 18, during the non-face-to-face financial transaction authentication process shown in FIG. 17, the non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIG. 15 and / or FIG. When the account inquiry based messenger banking item is selected, the terminal generates predetermined messenger linked account inquiry request information including the messenger account information through the messenger program 1205 (1800), and the messenger program 1205. In operation 1805, the server transmits the messenger linked account inquiry request information to the server.

According to another embodiment of the present invention, in place of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 15 and / or FIG. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process shown in FIGS. 15 and / or 16 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Validate for (1810).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (1815), the server generates predetermined messenger linked account inquiry error information and transmits it to the terminal (1820). The terminal outputs the messenger linked account error information through the messenger program 1205 (1825).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (1815), the server is stored in the storage medium 1295 through messenger account information included in the messenger linked account inquiry request information. The predetermined messenger linked account information is confirmed (1830), and the process is performed to query the messenger linked account ledger in association with the financial system shown in FIG. 12 (1835).

If the messenger linked account ledger inquiry is completed through the financial system (1840), the server generates a predetermined messenger linked account inquiry result corresponding to the messenger linked account inquiry request in connection with the financial system (1845). After generating predetermined messenger linked account inquiry result information including the messenger linked account inquiry result (1850), the generated messenger linked account inquiry result information is transmitted to the terminal (1855), and correspondingly, the terminal. In operation 1860, the messenger program 1205 outputs the received messenger linked account inquiry result information through the messenger program 1205.

19A, 19B, and 19C illustrate a payment process using messenger banking according to an exemplary embodiment of the present invention.

In more detail, FIGS. 19A, 19B, and 19C are provided from the messenger server 1215 during the payment processing process shown in FIG. 14 and / or the messenger member authentication process shown in FIGS. 15 and / or 16. When predetermined payment information is received by the messenger terminal 1200, the messenger terminal 1200 processes a payment corresponding to the payment information using messenger banking. A user who inputs payment related information including at least one payment amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information through the messenger program 1200 shown in FIG. The present invention relates to an implementation method of processing the messenger banking-based payment based on an interface.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 19a, 19b, and 19c to infer various implementation methods for the payment process using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 19A, 19B, and 19C.

Hereinafter, in FIG. 19A, FIG. 19B, and FIG. 19C, the messenger terminal 1200 shown in FIG. 12 is referred to as "terminal" for convenience, and the messenger banking server 1260 shown in FIG. 12 is referred to as "server" for convenience. .

19A, 19B, and 19C, the messenger server 1215 may be used for the payment processing process shown in FIG. 14 and / or the messenger member authentication process shown in FIGS. 15 and / or 16. When predetermined payment information is received by the messenger terminal 1200 (1900), the terminal performs the non-face-to-face financial transaction authentication process through a process shown in FIG. 17 through the messenger program 1205. Check whether the transaction authentication information is approved (1905).

If the non-face-to-face financial transaction authentication information is not approved (1910), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (1910), the terminal outputs the non-face-to-face financial transaction authentication based messenger banking item selection user interface through the messenger program 1205, and outputs the user interface. It is checked whether a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected (1915).

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected through the user interface (1920), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 1205. (1925)

According to another embodiment of the present invention, in place of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 15 and / or FIG. May be included, whereby the present invention is not limited.

Thereafter, the terminal transmits the messenger linked account information request information to the server through the messenger program 1205 (1930).

According to an embodiment of the present invention, the messenger linked account information request information may be transmitted to the server by attaching and / or encrypting a predetermined electronic signature through a messenger banking module 1210 provided in the terminal. Correspondingly, the server decrypts the messenger linked account information request information and confirms the attached electronic signature. If the person has ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features of, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the predetermined messenger linked account information stored in the storage medium 1295 through messenger account information included in the messenger linked account information request information from the storage medium 1295 to determine the messenger linked account. Information is transmitted to the terminal (1935).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 1 and / or 6 is one, or the messenger shown in FIGS. 1 and / or 6 If the messenger linked account information registered through the banking information registration system is included in the messenger program 1205 (or messenger banking module 1210), the terminal requests the messenger linked account information from the terminal, Correspondingly, the process of checking the messenger linked account information in the server and transmitting the information to the terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal selects predetermined withdrawal account information from the received messenger linked account information through the messenger program 1205, inputs a withdrawal account password corresponding to the withdrawal account information, and includes the payment information in the payment information. Output a payment processing user interface for inputting (or selecting) at least one or more payment amount information, deposit account information, and deposit bank information (1940); and executing the payment processing user interface via the messenger program 1205. Based on the payment amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information, it is checked whether payment related information including at least one information is input (1945).

If payment related information including at least one or more of the payment amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information is input (1950), the terminal receives the information through the messenger program 1205. Generate payment request information including messenger account information and payment related information (eg, payment amount, withdrawal account information, withdrawal account password, deposit account information, deposit bank information) (1955); and the messenger program (1205). At least one non-face-to-face financial transaction authentication information is included in the generated payment request information and transmitted to the server in step 1960.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the payment request information is preferably transmitted to the server with a predetermined electronic signature attached and / or encrypted through the messenger banking module 1210 provided in the terminal. Preferably, the server decrypts the payment request information and checks the attached electronic signature. If the person having ordinary knowledge in the technical field to which the present invention belongs, the technical features of the encryption / decryption function and the electronic signature function Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the process of transmitting payment request information to the server through the messenger program 1205 is performed through one communication transaction or at least two communication transactions. It is possible to all of them, by which the present invention is not limited.

Thereafter, the server verifies the validity of the non-face-to-face financial transaction authentication information included in the payment request information (1965).

According to an embodiment of the present invention, the payment request information includes ID / PW information for messenger banking, and / or authorized certificate information, and / or predetermined security card information issued to the messenger banking customer for non-face-to-face financial transactions. , And / or non-face-to-face financial transaction authentication information including at least one or more OTP codes generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions, is preferably received by the server. In response, the server preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the payment request information.

According to an embodiment of the present invention, when the payment request information includes non-face-to-face financial transaction authentication information including messenger banking ID / PW information, the server receives the received messenger banking ID / PW information and the information. By comparing the messenger banking ID / PW information included in the customer information stored in the storage medium 1295, the validity of the messenger banking customer and / or the confidentiality, authentication, and integrity of the non-face-to-face banking using the messenger. And non-repudiation.

In addition, the payment request information includes information encrypted through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in an authorized certificate provided in the messenger terminal 1200. When the non-face-to-face financial transaction authentication information is included and received, the server decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is desirable to ensure validity, and / or confidentiality, authentication, integrity, and nonrepudiation for non-face-to-face banking using the messenger.

In addition, when the payment request information includes non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer, the server may receive the received security card information. By comparing the security card information included in the customer information stored in the storage medium 1295, the validity of the messenger banking customer, and / or the confidentiality, authentication, integrity and non-repudiation of non-face-to-face banking using the messenger It is desirable to secure.

In addition, when the payment request information is received including non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer, the server stores the customer stored in the storage medium 1295. By generating a predetermined OTP code based on the OTP code generation information included in the information, and comparing the generated OTP code and the received OTP code, the validity of the messenger banking customer, and / or the messenger It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (1970), the server generates a payment error result corresponding to the payment using the messenger banking (1975), and generates the payment error result Generates predetermined payment response information including a transmission to the terminal (1980), and correspondingly, the terminal outputs the payment error result included in the payment response information through the messenger program 1205. (1998).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (1970), the server performs the process shown in FIGS. 15 and / or 16 through the messenger account information included in the payment request information. By reading the messenger member authentication result stored in the server, the validity of the messenger member who transmitted the non-face-to-face financial transaction authentication information is checked (1985).

According to an exemplary embodiment of the present invention, the validity check on the messenger member may include checking whether the messenger linked account is connected to a predetermined mother account in the server, and if the messenger linked account is connected to a predetermined mother account, the server. Through the ledger processing unit 1290, information about the customer communication means (for example, the customer's mobile phone number) corresponding to the customer corresponding to the predetermined mother account is obtained from the customer ledger corresponding to the mother account from the ledger D / B on the financial system. Check and request the client communication means to approve the messenger banking-based payment using the messenger linked account as a withdrawal account. In this case, if the messenger banking-based payment is approved by the customer communication means, It is desirable to process messenger banking based payment.

For example, when the messenger member is a minor (or a limited amount or a garner) and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the server may execute the ledger processor 1290. Parent (or legal guardian) correspondence from a customer ledger corresponding to the parent account of the messenger member's parent (or legal guardian) from the general ledger D / B on the financial system It is desirable to verify the means (e.g., customer cell phone number) information and to ask the parent (or legal guardian) communication means to approve a messenger banking based payment using the messenger linked account as a withdrawal account, in which case the When the messenger banking-based payment is approved by the parent (or legal guardian) communication means It is preferable to process the messenger banking-based payments.

According to another exemplary embodiment of the present invention, the validity check on the messenger member may be performed by the server to determine whether the messenger linked account is connected to a predetermined mother account, the messenger linked account is connected to a predetermined mother account, When the parent account is also registered as the messenger linked account through the messenger banking information registration system shown in FIGS. 1 and / or 6, the server checks the messenger account information corresponding to the parent account from the storage medium 1295. And requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 1205 corresponding to the messenger account information corresponding to the confirmed mother account, in which case In the messenger program 1205 corresponding to the corresponding messenger account information. If the banking group IM-based payment approval, it is desirable to process the messenger banking-based payments.

For example, the messenger member is a minor (or a limited amount or a garner), and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 1 and / or 6. When the predetermined messenger banking information is registered through the information registration system, the server checks the messenger account information of the parent (or legal guardian) from the storage medium 1295 and checks the messenger account information of the confirmed parent (or legal guardian). It is preferable to request a messenger banking-based payment settlement using a messenger linked account corresponding to the withdrawal account to the messenger program 1205 corresponding to the messenger account information, in which case the messenger of the parent (or legal guardian) When the messenger banking-based payment is approved in the messenger program 1205 corresponding to the account information It is desirable to process the messenger banking based payment.

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is not confirmed (1990), the server generates a payment error result corresponding to the payment using the messenger banking (1975), and generates Generate predetermined payment response information including the received payment error result and transmit the predetermined payment response information to the terminal (1980), and correspondingly, the terminal transmits the payment included in the payment response information through the messenger program 1205. The payment error result is output (1998).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (1990), the server processes the messenger banking-based payment settlement corresponding to the received payment request information (1991).

According to an embodiment of the present invention, the payment related information included in the payment request information includes predetermined payment amount information, withdrawal account information for the payment amount to be withdrawn from the messenger linked account, the withdrawal account password and When the payment amount is made to include the payment account information to be deposited and the at least one deposit bank information opened the deposit account, the server inquires the account ledger corresponding to the withdrawal account information to the withdrawal account It is preferable to confirm whether an amount corresponding to the payment amount is deposited, and / or to check the account ledger corresponding to the withdrawal account information to confirm the validity of the withdrawal account password.

In addition, the server reads the deposit bank information to check whether the wage account is opened in the party equipped with the financial system or the other line, it is preferable, if the deposit account is opened in the bank, It is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system, or when the deposit account is opened in another line, the deposit bank through the financial common network in connection with the financial system. It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the information.

Thereafter, the server calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the payment account, withdrawing the payment amount and the payment fee from the withdrawal account and depositing the payment account. Carry out the ledger processing procedure.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

According to another embodiment of the present invention, the payment fee may be processed in the payment amount, in which case the server withdraws the payment amount from the withdrawal account, and subtracts the payment fee. An amount of money is deposited into the deposit account, and an amount corresponding to the payment fee is deposited to the financial institution mother account (not shown).

If a predetermined error occurs while processing the messenger banking-based payment corresponding to the payment request information (1992), the server generates a payment error result corresponding to the payment using the messenger banking (1975). ) Generates predetermined payment response information including the generated payment error result and transmits the predetermined payment response information to the terminal (1980), and correspondingly, the terminal transmits the payment response information to the payment response information through the messenger program 1205. The result of the payment error included is outputted (1998).

On the other hand, if the messenger banking-based payment settlement corresponding to the payment request information is successfully processed (1992), the server generates predetermined ledger information corresponding to the messenger banking-based payment processing (1993), and FIG. The ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system in association with the financial system shown in FIG.

If a person of ordinary skill in the art of the present invention belongs to, technical features for storing the ledger information generated in response to the messenger banking-based payment processing in the server, and the ledger information in the ledger D / B on the financial system Since it will be familiar with, detailed description thereof will be omitted for convenience.

If the ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system (1995), the server generates a payment approval result corresponding to the payment settlement using the messenger banking. (1996), and generates predetermined payment response information including the generated payment approval result and transmits it to the terminal (1997), and correspondingly, the terminal transmits the payment through the messenger program 1205. The payment approval result included in the response information is output (1998).

20A, 20B, and 20C illustrate a payment process using messenger banking according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A, 20B, and 20C are provided from the messenger server 1215 during the payment processing process shown in FIG. 14 and / or the messenger member authentication process shown in FIGS. 15 and / or 16. When predetermined payment information is received by the messenger terminal 1200, the messenger terminal 1200 processes a payment corresponding to the payment information using messenger banking. Input the payment related information including at least one payment amount, withdrawal account information, withdrawal account password, and predetermined payment side messenger account information through the messenger program 1200 shown in FIG. The present invention relates to a method for processing the messenger banking based payment based on a user interface.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 20a, 20b, and 20c to infer various implementation methods for the payment process using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation methods shown in FIGS. 20A, 20B, and 20C.

20A, 20B and 20C, the messenger terminal 1200 shown in FIG. 12 is referred to as a "terminal" for convenience, and the messenger banking server 1260 shown in FIG. 12 is referred to as a "server" for convenience. .

Referring to FIGS. 20A, 20B, and 20C, the messenger server 1215 may be used in the payment processing process shown in FIG. 14 and / or the messenger member authentication process shown in FIGS. 15 and / or 16. When predetermined payment information is received by the messenger terminal 1200 (2000), the terminal performs the non-face-to-face financial transaction authentication process through a process shown in FIG. 17 through the messenger program 1205. Check whether the transaction authentication information is approved (2005).

If the non-face-to-face financial transaction authentication information is not approved (2010), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (2010), the terminal outputs the non-face-to-face financial transaction authentication based messenger banking item selection user interface through the messenger program 1205, and outputs the user interface. It is checked whether a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected (2015).

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected through the user interface (2020), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 1205. (2025).

According to another embodiment of the present invention, in place of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 15 and / or FIG. May be included, whereby the present invention is not limited.

Thereafter, the terminal transmits the messenger linked account information request information to the server through the messenger program 1205 (2030).

According to an embodiment of the present invention, the messenger linked account information request information may be transmitted to the server by attaching and / or encrypting a predetermined electronic signature through a messenger banking module 1210 provided in the terminal. Correspondingly, the server decrypts the messenger linked account information request information and confirms the attached electronic signature. If the person has ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features of, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the predetermined messenger linked account information stored in the storage medium 1295 through messenger account information included in the messenger linked account information request information from the storage medium 1295 to determine the messenger linked account. Information is transmitted to the terminal (2035).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 1 and / or 6 is one, or the messenger shown in FIGS. 1 and / or 6 If the messenger linked account information registered through the banking information registration system is included in the messenger program 1205 (or messenger banking module 1210), the terminal requests the messenger linked account information from the terminal, Correspondingly, the process of checking the messenger linked account information in the server and transmitting the information to the terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal selects predetermined withdrawal account information from the received messenger linked account information through the messenger program 1205, and uses the messenger to request a messenger banking-based payment payment to the server. Outputting a payment processing user interface including at least one withdrawal account password and payment account messenger account information (2040), and the payment amount based on the payment processing user interface through the messenger program 1205; In operation 2045, payment information related to payment, including at least one withdrawal account information, a withdrawal account password, and a depositor's messenger account information, is input.

According to one embodiment of the present invention, the payment-side messenger account information is input through the payment processing user interface or a friend list (eg, buddy list) included in the messenger program 1205. It is preferably selected from.

When the payment messenger account information is selected from a friend list (eg, a buddy list), the messenger program 1205 corresponds to a shopping mall (or a content provider) to receive the payment amount from the friend list. And a user interface for selecting the payment-side messenger account information.

If payment related information including at least one payment amount, withdrawal account information, withdrawal account password, and depositing messenger account information is input (2050), the terminal receives the messenger account through the messenger program 1205. Generate payment request information including information and payment related information (e.g., payment amount, withdrawal account information, withdrawal account password and depositing messenger account information) (2055), and through the messenger program (1205); At least one non-face-to-face financial transaction authentication information is included in the generated payment request information and transmitted to the server (2060).

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the payment request information is preferably transmitted to the server with a predetermined electronic signature attached and / or encrypted through the messenger banking module 1210 provided in the terminal. Preferably, the server decrypts the payment request information and checks the attached electronic signature. If the person having ordinary knowledge in the technical field to which the present invention belongs, the technical features of the encryption / decryption function and the electronic signature function Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the process of transmitting payment request information to the server through the messenger program 1205 is performed through one communication transaction or at least two communication transactions. It is possible to all of them, by which the present invention is not limited.

Thereafter, the server verifies the validity of the non-face-to-face financial transaction authentication information included in the payment request information (2065).

According to an embodiment of the present invention, the payment request information includes ID / PW information for messenger banking, and / or authorized certificate information, and / or predetermined security card information issued to the messenger banking customer for non-face-to-face financial transactions. , And / or non-face-to-face financial transaction authentication information including at least one or more OTP codes generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions, is preferably received by the server. In response, the server preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the payment request information.

According to an embodiment of the present invention, when the payment request information includes non-face-to-face financial transaction authentication information including messenger banking ID / PW information, the server receives the received messenger banking ID / PW information and the information. By comparing the messenger banking ID / PW information included in the customer information stored in the storage medium 1295, the validity of the messenger banking customer and / or the confidentiality, authentication, and integrity of the non-face-to-face banking using the messenger. And non-repudiation.

In addition, the payment request information includes information encrypted through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in an authorized certificate provided in the messenger terminal 1200. When the non-face-to-face financial transaction authentication information is included and received, the server decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is desirable to ensure validity, and / or confidentiality, authentication, integrity, and nonrepudiation for non-face-to-face banking using the messenger.

In addition, when the payment request information includes non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer, the server may receive the received security card information. By comparing the security card information included in the customer information stored in the storage medium 1295, the validity of the messenger banking customer, and / or the confidentiality, authentication, integrity and non-repudiation of non-face-to-face banking using the messenger It is desirable to secure.

In addition, when the payment request information is received including non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer, the server stores the customer stored in the storage medium 1295. By generating a predetermined OTP code based on the OTP code generation information included in the information, and comparing the generated OTP code and the received OTP code, the validity of the messenger banking customer, and / or the messenger It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (2070), the server generates a payment error result corresponding to the payment using the messenger banking (2075), and the generated payment error result Generates predetermined payment response information including a transmission and transmits the generated payment response information to the terminal (2080), and correspondingly, the terminal outputs the payment error result included in the payment response information through the messenger program 1205. (2098).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (2070), the server performs the process shown in FIGS. 15 and / or 16 through the messenger account information included in the payment request information. By reading the messenger member authentication result stored in the server, the validity of the messenger member who transmitted the non-face-to-face financial transaction authentication information is checked (2081).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2082), the server generates a payment error result corresponding to the payment using the messenger banking (2075), and generates Generates predetermined payment response information including the received payment error result and transmits the generated payment response information to the terminal (2080), and correspondingly, the terminal transmits the payment included in the payment response information through the messenger program 1205. The payment error result is output (2098).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (2082), the server corresponds to a messenger corresponding to the payment-side messenger account information included in the payment related information from the storage medium 1295. The payment side messenger linked account information for the member is extracted (2083).

At this time, the server checks whether a plurality of payment-side messenger association account information extracted from the storage medium 1295 has been extracted (2084), and if predetermined payment-side messenger association account information is extracted from the storage medium 1295. In operation 2086, the server automatically selects the extracted payment-side messenger linked account information as a payment account for the messenger banking-based payment.

On the other hand, when a plurality of payment-side messenger association account information is extracted from the storage medium 1295 (2085), the server transmits the plurality of payment-side messenger association account information to the terminal, thereby providing the plurality of payment-side messenger association accounts. The user requests to select a predetermined deposit account for the messenger banking-based payment from the information (2087), and in response, the terminal selects a predetermined deposit messenger banking-based payment from among the plurality of payment-side messenger linked account information. The deposit account is selected and transmitted to the server (2088).

As described above, when predetermined deposit account information for messenger banking-based payment is selected (or received from the terminal) and / or the deposit account is automatically selected, the server checks the validity of the deposit account information ( 2089).

According to an exemplary embodiment of the present invention, the validity check on the deposit account information may include checking whether the messenger linked account is connected to a predetermined mother account in the server, and when the messenger linked account is connected to a predetermined mother account, the server. Checks the customer communication means (for example, the customer's mobile phone number) corresponding to the customer corresponding to the predetermined mother account from the customer ledger corresponding to the mother account from the ledger D / B on the financial system through the ledger processing unit 1290. And requesting the customer communication means to approve the messenger banking-based payment using the messenger linked account as a withdrawal account. In this case, when the messenger banking-based payment is approved by the customer communication means, the messenger It is desirable to process banking based payments.

For example, when the messenger member is a minor (or a limited amount or a garner) and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the server may execute the ledger processor 1290. Parent (or legal guardian) correspondence from a customer ledger corresponding to the parent account of the messenger member's parent (or legal guardian) from the general ledger D / B on the financial system It is desirable to verify the means (e.g., customer cell phone number) information and to ask the parent (or legal guardian) communication means to approve a messenger banking based payment using the messenger linked account as a withdrawal account, in which case the When the messenger banking-based payment is approved by the parent (or legal guardian) communication means It is preferable to process the messenger banking-based payments.

According to another exemplary embodiment of the present invention, validation of the deposit account information may be performed by the server to determine whether the messenger linked account is connected to a predetermined mother account, the messenger linked account is connected to a predetermined mother account, When the parent account is also registered as the messenger linked account through the messenger banking information registration system shown in FIGS. 1 and / or 6, the server checks the messenger account information corresponding to the parent account from the storage medium 1295. And requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 1205 corresponding to the messenger account information corresponding to the confirmed mother account, in which case In the messenger program 1205 corresponding to the corresponding messenger account information. If the messenger banking-based payment is approved, it is preferable to process the messenger banking-based payment.

For example, the messenger member is a minor (or a limited amount or a garner), and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 1 and / or 6. When the predetermined messenger banking information is registered through the information registration system, the server checks the messenger account information of the parent (or legal guardian) from the storage medium 1295 and checks the messenger account information of the confirmed parent (or legal guardian). It is preferable to request the messenger program 1205 corresponding to the messenger account information to approve the messenger banking-based payment using the messenger linked account corresponding to the withdrawal account. In this case, the messenger account of the parent (or legal guardian) If the messenger banking-based payment is approved in the messenger program 1205 corresponding to the information, It is desirable to process the messenger banking based payment.

If the validity of the payment account is not verified (2090), the server generates a payment error result corresponding to the payment using the messenger banking (2075), and includes a predetermined result including the generated payment error result. Generate payment response information of the terminal and transmit it to the terminal (2080), and correspondingly, the terminal outputs the payment error result included in the payment response information through the messenger program 1205 (2098). .

On the other hand, if the validity of the payment account is confirmed (2090), the server processes the payment account information of the payment-side messenger account information of the payment related information as the payment account information (2091).

According to an embodiment of the present invention, the payment related information included in the payment request information includes predetermined payment amount information, withdrawal account information for the payment amount to be withdrawn from the messenger linked account, the withdrawal account password and And at least one depositing messenger account information corresponding to a shopping mall (or a content provider) to receive the payment amount, the server may be connected to the depositing messenger account information in association with the storage medium 1295. The depositor messenger linked account information which is stored by link processing is extracted.

If at least two extracted payment-side messenger association accounts are included (or if no deposit account is specified among at least two payment-side messenger association accounts), the server is extracted to the messenger terminal 1200. Providing the payment-side messenger linked account information, requesting to select a predetermined payment-side messenger linked account to which the payment amount is to be deposited, and the selected payment-side messenger from the messenger terminal 1200 through the information receiving unit 1275. Receive linked account information.

At this time, since the received payment-side messenger linked account information will be a financial account opened in the bank, it is preferable that the server checks whether a financial account corresponding to the deposit account information is opened in connection with the financial system. .

In addition, when the server comprises at least one or more deposit account information to be the payment amount and the deposit bank information is opened, the server queries the account ledger corresponding to the withdrawal account information It is preferable to confirm whether an amount corresponding to the payment amount is deposited in the withdrawal account, and / or to check the account ledger corresponding to the withdrawal account information to confirm the validity of the withdrawal account password. .

Thereafter, the server calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the payment account, withdrawing the payment amount and the payment fee from the withdrawal account and depositing the payment account. Carry out the ledger processing procedure.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

According to another embodiment of the present invention, the payment fee may be processed in the payment amount, in which case the server withdraws the payment amount from the withdrawal account, and subtracts the payment fee. An amount of money is deposited into the deposit account, and an amount corresponding to the payment fee is deposited to the financial institution mother account (not shown).

If a predetermined error occurs while processing a messenger banking-based payment corresponding to the payment request information (2092), the server generates a payment error result corresponding to the payment using the messenger banking (2075). ), Generates predetermined payment response information including the generated payment error result and transmits the generated payment response information to the terminal (2080), and correspondingly, the terminal transmits the payment response information to the payment response information through the messenger program 1205. The result of the payment error included is output (2098).

On the other hand, if the messenger banking-based payment settlement corresponding to the payment request information is successfully processed (2092), the server generates predetermined ledger information corresponding to the messenger banking-based payment processing (2093), and FIG. 12. The ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system in association with the financial system shown in FIG. 2094.

If a person of ordinary skill in the art of the present invention belongs to, technical features for storing the ledger information generated in response to the messenger banking-based payment processing in the server, and the ledger information in the ledger D / B on the financial system Since it will be familiar with, detailed description thereof will be omitted for convenience.

If ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system (2095), the server generates a payment approval result corresponding to the payment settlement using the messenger banking. 2096, and generates and transmits predetermined payment response information including the generated payment approval result to the terminal (2097). In response, the terminal transmits the payment through the messenger program 1205. The payment approval result included in the response information is output (2098).

21 is a diagram illustrating a messenger banking system configuration for payment using messenger banking according to another exemplary embodiment of the present invention.

More specifically, FIG. 21 illustrates a method for payment using the messenger banking to a customer who registers the messenger banking information on a predetermined storage medium 2190 through the messenger banking information registration system shown in FIGS. 1 and / or 6. A messenger banking system for providing a messenger-based payment service. Specifically, a storage medium 2190 for storing the messenger banking information is provided in a DBMS on the messenger banking system as shown in FIGS. 4 and / or 9. It is about the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 21 to infer various implementation methods for the configuration of a messenger banking system for payment using the messenger banking. The present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art to which the present invention pertains, the storage medium 2190 storing the messenger banking information by referring to and / or modifying the drawing 21 is a non-face-to-face messenger-based payment to the customer. When stored in the ledger D / B on the financial system that provides a payment service, and / or stored in a predetermined database associated with the ledger D / B, a messenger-based payment service for payment using the messenger banking Various messenger banking system configurations can be inferred, and the present invention is characterized by including all the inferred implementation methods.

Referring to FIG. 21 according to an embodiment of the present invention, a messenger banking system for payment using messenger banking includes a messenger terminal 2100 equipped with a messenger program 2105 used by at least one messenger customer; A messenger server 2115 providing at least one messenger service to the messenger customer in connection with a messenger program 2105 provided in the messenger terminal 2100, and messenger banking information shown in FIGS. 1 and / or 6; A messenger banking server 2155 that provides a non-face-to-face messenger based payment service to at least one messenger customer by using the messenger banking information registered in a predetermined storage medium 2190 through a registration system, and the messenger banking Finance at the time of processing at least one messenger banking-based non-face-to-face financial transaction processed by server 2155 And characterized by comprising a system, including at least one payment request, the server 2150 provided by generating a predetermined payment information to the instant messaging terminal (2100) it is characterized in that formed.

The payment request server 2150 may provide a tangible or intangible product (or service) to the messenger customer such as an internet shopping mall server and / or a paid content providing server, and request a corresponding payment. , Or a terminal).

According to the present invention, the messenger member provides the payment request server 2150 (eg, an Internet shopping mall server and / or paid contents) through a client terminal (not shown) having a predetermined web browser or the messenger terminal 2100. Server) and receive a tangible or intangible product (or service), and then the payment request server 2150 provides the payment interface through the client terminal (not shown) or the messenger terminal 2100. Accordingly, the payment means for the tangible or intangible goods (or services) is selected as a payment means through messenger banking, and the payment request server 2150 for messenger account information and / or banking corresponding to the messenger member. Provide messenger information.

The payment request server 2150 provided with messenger account information and / or banking messenger information corresponding to the messenger member transmits the messenger account information to the messenger server 2115 included in the banking messenger information. From the messenger server 2115, the messenger member uses at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend) through a predetermined messenger program 2105. Search, etc.).

If the messenger member is provided with at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) through a predetermined messenger program 2105 The payment request server 2150 generates the payment information including the predetermined payment amount information, the payment account information to which the payment amount is to be deposited, and the payment bank information to which the payment account is opened. Characterized in that the transmission to the messenger program (2105) used by the member.

Alternatively, as a result of the confirmation, the messenger member provides at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) through a predetermined messenger program 2105. If not, the payment request server 2150 requests the messenger member to execute (or drive) a predetermined messenger program 2105, and then a predetermined payment amount information and a deposit account to which the payment amount is to be deposited. It generates a payment information including the information and the payment bank information in which the deposit account is opened, characterized in that for transmitting to the messenger program (2105).

On the other hand, as a result of the check, the messenger member is provided with at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) through a predetermined messenger program 2105. If it is not possible for the messenger member to execute (or drive) a predetermined messenger program 2105, the payment request server 2150 deposits predetermined payment amount information and the payment amount. By generating the payment information including the account information, the information of the deposit bank opened the deposit account and the messenger account information of the messenger member and transmits it to the messenger server 2115, the payment as shown in FIG. By storing payment information, when the messenger member executes (or drives) a predetermined messenger program 2105, the payment is made. Information with features to Messenger to handle a banking-based payments.

According to an embodiment of the present invention, the payment information may be of a type or intangible type provided by the messenger member (or purchased) from the payment request server 2150 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include purchased product information (eg, purchased product name, purchased product image, purchased product specifications, etc.) corresponding to the product (or service).

In addition, the payment information is the payment request server 2150 information (eg, shopping mall (or content provider) name, payment request server 2150) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 2150 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 2155, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the messenger terminal 2100 is a wireless terminal carried by the customer, the payment request server 2150 is provided in an offline store to make a predetermined payment to the messenger terminal 2100. It may be a payment terminal (for example, a credit authorization terminal (CAT) terminal or a point of sales (POS) terminal) capable of transmitting information, and the present invention is not limited thereto.

The messenger terminal 2100 connects to the messenger server 2115 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, thereby providing at least one messenger service (eg, text chat, voice chat). And at least one desktop computer and / or notebook computer having a messenger program 2105 for providing image chat, message exchange, file exchange, mailing, friend searching, etc.).

Alternatively, the messenger terminal 2100 may be connected to the messenger server 2115 through a network means including a code division multiple access (CDMA) based wireless communication network to provide at least one messenger service (eg, text chat, voice chat, image). Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals with a messenger program 2105 that provides chat, message exchange, file exchange, mailing, friend searching, etc. and / or Or at least one or more Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones. Characterized in that made.

In addition, the messenger terminal 2100 connects to the messenger server 2115 through a network means including an IEEE 802.16x based wireless communication network to exchange at least one messenger service (eg, text chat, voice chat, video chat, message exchange). And at least one portable Internet terminal having a messenger program 2105 for file exchange, mailing, friend searching, etc.).

In addition, the messenger terminal 2100 connects to the messenger server 2115 through a network means including an IEEE 802.11x-based wireless communication network to exchange at least one messenger service (eg, text chat, voice chat, video chat, and message exchange). , At least one wireless LAN terminal having a messenger program 2105 for exchanging files, sending mail, searching a friend, and the like.

In addition, the messenger terminal 2100 is connected to the messenger server 2115 via a network means including a DataTAC method of Motorola, or Mobitex method of Erricson, or at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 2105 that provides chat, video chat, message exchange, file exchange, mailing, friend search, etc.).

According to the present invention, the messenger terminal 2100 includes a predetermined messenger banking module 2110 interworking with the messenger program 2105 for non-face-to-face messenger banking for payment using the messenger banking. The messenger banking module 2110 may be configured to provide a non-faceted messenger based payment service for payment using the messenger banking in connection with the messenger program 2105 provided in the messenger terminal 2100. It is characterized by providing.

According to an embodiment of the present invention, the messenger banking module 2110 encrypts payment request information transmitted from the messenger terminal 2100 to the messenger banking server 2155 for payment using the messenger banking; And / or an encryption processing function for decrypting payment response information received from the messenger banking server 2155.

In addition, the messenger banking module 2110 attaches an electronic signature to payment request information transmitted from the messenger terminal 2100 to the messenger banking server 2155 for payment using the messenger banking, and / or Preferably, the electronic device includes an electronic signature function for confirming an electronic signature attached to payment response information received from the messenger banking server 2155.

In addition, the messenger banking module 2110 generates at least one OTP code included in payment request information transmitted from the messenger terminal 2100 to the messenger banking server 2155 for payment using the messenger banking. It is preferable to include the function to make.

In addition, the messenger banking module 2110 may include an official certificate function for providing the encryption processing function and / or an electronic signature function, and / or a memory for storing the public certificate (eg, the messenger terminal ( Memory included in 2100 or an IC (Integrated Circuit) chip read through a predetermined card reader provided in the messenger terminal 2100).

The messenger server 2115 is a member for providing at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) through the messenger terminal 2100. Based on the predetermined member information D / B for authentication and the messenger account information received from the messenger terminal 2100 that executes (or drives) the messenger program 2105 in association with the member information D / B. And a messenger member authentication unit 2125 for authenticating the messenger customer.

According to an embodiment of the present invention, the member information stored in the member information D / B includes messenger account information (eg, messenger ID information and messenger password) registered by the messenger customer in the messenger server 2115, and the messenger customer. It is preferable to include at least one predetermined member personal information (for example, customer name, social security number, address, contact information, etc.) for.

In addition, the member information stored in the member information D / B indicates whether the messenger customer subscribes to the messenger-based payment service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6. It is preferable that the information further comprises a messenger banking subscription information to confirm.

According to the exemplary embodiment of the present invention, when the messenger account information including the messenger ID information and the messenger password is received from the messenger terminal 2100 that executes (or drives) the messenger program 2105, the messenger member authentication unit 2125 ) Compares the messenger account information with the messenger account information included in the member information D / B, so that a messenger customer corresponding to the messenger account information can receive at least one messenger service (eg, text chat, voice chat, video chat, It is desirable to verify that you are a valid messenger customer who can be provided with message exchange, file exchange, mailing, friend search, etc.).

According to an embodiment of the present invention, the messenger member authentication process of the messenger member authentication unit 2125 comparing the messenger account information received from the messenger terminal 2100 with messenger account information provided in the member information D / B Is preferably performed when the messenger terminal 2100 executes (or drives) the messenger program 2105 for the first time and logs in to the messenger server 2115. Also, the messenger terminal 2100 performs the messenger program 2100. In the case of at least one non-face-to-face messenger banking request through 2105, it is preferable to repeatedly perform the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 2125 succeeds, the messenger server 2115 performs a messenger program 2105 provided in at least one messenger terminal 2100 in which the member authentication succeeds. Character chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc. characterized in that it comprises a messenger operation unit (2135) for operating to provide at least one messenger service.

Those skilled in the art to which the present invention pertains may include text chat, voice chat, video chat, and the like through the messenger program 2105 provided in the at least one messenger terminal 2100. Since you will be familiar with technical features that operate at least one message service such as message exchange, file exchange, mailing, and friend search, detailed descriptions thereof will be omitted for convenience.

Referring to FIG. 21, the messenger server 2115 provides a messenger banking operation unit for providing a messenger-based payment service for payment using the messenger banking in connection with the messenger banking server 2155 through a predetermined communication means. It is characterized by comprising (2120).

When the messenger member authentication through the messenger member authentication unit 2125 succeeds, the messenger banking operation unit 2120 joins the messenger banking stored in association with the messenger account information of the messenger member in the member information D / B. Read the information and check whether the messenger member subscribes to the messenger-based payment service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6; When it is confirmed that the subscriber has subscribed to the messenger-based payment service, the messenger banking manager 2120 is connected to the messenger manager 2135 to messenger banking of the messenger program 2105 provided in the messenger terminal 2100. It is characterized by activating the function.

For example, when a messenger banking icon and / or a messenger banking menu are provided in a user interface of the messenger program 2105 provided in the messenger terminal 2100, the messenger banking manager 2120 may be configured as the messenger manager. It is preferable to activate the messenger banking icon and / or messenger banking menu in the messenger program 2105 included in the messenger terminal 2100 in association with 2135.

In addition, when the messenger member authentication through the messenger member authentication unit 2125 succeeds (for example, the messenger terminal 2100 is executed for the first time (or the messenger program 2105). The messenger member authentication performed when logging in to the messenger server 2115, and / or at least one non-faceted messenger banking through the messenger program 2105 in the messenger terminal 2100. When the messenger member authentication performed at the request is successful), the messenger member authentication result is transmitted to the messenger banking server 2155 through a predetermined communication means.

According to an exemplary embodiment of the present invention, the messenger banking server 2155 may be configured for the messenger association account based on the messenger member authentication result received from the messenger banking management unit 2120 provided in the messenger server 2115. It is possible to provide non-advanced non-face-to-face financial transaction services such as account inquiry services.

According to the present invention, in order to provide the messenger-based payment service to the messenger member, the messenger server 2115 is connected to the payment request server 2150 through a predetermined network means, and the payment request server 2150 is provided. Receives the messenger account information of the messenger member from the terminal, searches the member information stored in the member information D / B based on the messenger account information of the messenger member, checks the validity of the messenger member, and then checks the validity check result. The payment interlocking unit interlocks to transmit to the payment request server 2150 to process the messenger-based payment processing corresponding to the payment information through the messenger program 2105 included in the messenger terminal 2100 used by the messenger member. It is characterized by comprising (2140).

The payment interlocking unit 2140 may be communicatively connected to at least one payment request server 2150 through a predetermined network means, and may display messenger account information of the messenger member transmitted from the payment request server 2150. And receiving and retrieving the validity of the messenger member by querying the member information stored in the member information D / B.

The payment interworking unit 2140 confirms the validity of the messenger member by searching whether there is member information matching the messenger account information of the messenger member in the member information stored in the member information D / B. And checking whether the messenger member corresponding to the messenger account information included in the payment information is a messenger member corresponding to the messenger server 2115.

If the messenger member corresponding to the messenger account information is not identified as a messenger member corresponding to the messenger server 2115, the payment linkage unit 2140 generates messenger member error information to generate the payment request server 2150. In response thereto, the payment request server 2150 ends the payment settlement process using messenger banking according to the present invention.

On the other hand, if a messenger member corresponding to the messenger account information included in the payment information is identified as a messenger member corresponding to the messenger server 2115, the payment linking unit 2140 may send the messenger account to the member information D / B. By checking the messenger banking subscription information stored in association with the information, the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIGS. 1 and / or 6. Characterized in that.

If the messenger member corresponding to the messenger account information is not identified as a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIGS. 1 and / or 6, the payment interworking unit 2140 generates messenger banking customer error information and transmits it to the payment request server 2150. In response, the payment request server 2150 ends the payment settlement process using messenger banking according to the present invention.

On the other hand, if the messenger member corresponding to the messenger account information included in the payment information is identified as the messenger member corresponding to the messenger server 2115, the member information D / B is determined based on the messenger account information of the messenger member. Search and check whether the messenger member whose validity is confirmed has executed (or driven) a predetermined messenger program 2105 and logged in.

When the messenger banking subscription information is not stored in the member information D / B according to another exemplary embodiment of the present invention, the payment interworking unit 2140 is the messenger banking server 2155 through the messenger banking operation unit 2120. In conjunction with the storage medium 2190 provided in the) to determine whether the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in Figure 1 and / or Figure 6 It is possible, and the invention is not limited thereby.

If the messenger member executes (or drives) a predetermined messenger program 2105 on the basis of the point in time at which the messenger account information of the messenger member is received from the payment request server 2150, the login interworking unit ( 2140 generates real-time payment approval information for the messenger member and transmits the received approval information to the payment request server 2150. In response, the payment request server 2150 generates predetermined payment information and generates a message. It transfers to the messenger program 2105 to be used.

On the other hand, if the messenger member has not logged in on the basis of receiving the messenger account information of the messenger member from the payment request server 2150, the payment linkage unit 2140 may provide real-time payment error information for the messenger member. It generates and transmits to the payment request server 2150, and correspondingly, the payment request server 2150 requests to execute (or drive) the messenger program 2105 of the messenger member, and the messenger program 2105 When executed (or driven), predetermined payment information is generated and transmitted to the messenger program 2105 used by the messenger member.

Alternatively, if the messenger member does not log in based on the time point at which the messenger account information of the messenger member is received from the payment request server 2150, the payment linkage unit 2140 may provide real-time payment error information for the messenger member. Generates and transmits the payment request server 2150 to the payment request server 2150. The payment request server 2150 generates and transmits predetermined payment information to the messenger server 2115.

According to the present invention, when the messenger server 2115 receives the predetermined payment information from the payment request server 2150, the messenger member executes (or drives) the predetermined messenger program 2105 and logs in. An information storage unit for transmitting the payment information to the messenger program 2105 of the messenger member and processing the payment information in association with the messenger member's member information to process a messenger-based payment; It is characterized by comprising (2145).

The messenger banking server 2155 which provides a messenger-based payment service for payment using the messenger banking to the messenger customer is a messenger banking operation unit 2120 provided in the messenger server 2115 through a predetermined communication means. Interface unit 2160 that communicates with the messenger program 2105 (and / or messenger banking module 2110) included in the messenger terminal 2100 through a predetermined network means. It is characterized by comprising.

The interface unit 2160 may include messenger banking provided in the messenger server 2115 through communication means including at least one dedicated communication network and / or a secure communication network (eg, a wired / wireless communication network based on an encryption / decryption function). It is characterized in that the management unit 2120 and the communication channel for receiving a predetermined messenger member authentication result.

If one of ordinary skill in the art to which the present invention pertains, the interface unit 2160 communicates with the messenger banking operation unit 2120 provided in the messenger server 2115 to receive a predetermined messenger member authentication result. Since you will be familiar with the technical features of connecting and managing channels, a detailed description thereof will be omitted for convenience.

When the messenger banking operation unit 2120 encrypts and transmits the messenger member authentication result by at least one encryption method according to an embodiment of the present invention, the interface unit 2160 decrypts the encryption method. Preferably, the method further includes a function of decrypting the encrypted messenger member authentication result.

Alternatively, when the messenger banking operation unit 2120 transmits an electronic signature attached to the messenger member authentication result, the interface unit 2160 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make.

Alternatively, when the messenger banking operation unit 2120 includes a predetermined OTP code in the messenger member authentication result, the interface unit 2160 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 2160 receives payment request information for payment using the messenger banking from the messenger terminal 2100 through a network means including at least one wired or wireless communication network, and / or the messenger. The terminal 2100 may connect and manage a financial transaction channel for transmitting payment response information corresponding to the payment request information.

If the person skilled in the art to which the present invention pertains, the interface unit 2160 receives financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 2100, and / or the Since it will be familiar with technical features for connecting and managing a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information to the messenger terminal 2100, a detailed description thereof will be omitted for convenience.

When the messenger terminal 2100 encrypts and transmits the payment request information by at least one encryption method according to an embodiment of the present invention, the interface unit 2160 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted payment request information.

Alternatively, when the messenger terminal 2100 transmits an electronic signature to the payment request information, the interface unit 2160 further includes a function of confirming the electronic signature attached to the payment request information. desirable.

Alternatively, when the messenger terminal 2100 transmits the payment request information including a predetermined OTP code, the interface unit 2160 further includes a function of checking the OTP code included in the payment request information. It is preferable to make it.

According to another embodiment of the present invention, when the messenger banking server 2155 encrypts payment response information corresponding to the payment request information to the messenger terminal 2100 by using at least one encryption method, the interface is transmitted. The unit 2160 preferably further includes a function of encrypting the payment response information by a predetermined encryption method.

Alternatively, when the messenger banking server 2155 transmits an electronic signature to the payment terminal response information corresponding to the payment request information from the messenger banking server 2155, the interface unit 2160 may transmit information to the payment response information. It is preferable to further include a function of attaching an electronic signature.

According to the present invention, the messenger banking server 2155 is connected to the interface unit 2160, the information receiving unit 2170 for receiving a predetermined message member authentication result from the messenger server 2115 through the communication means. It is characterized by comprising.

In addition, the information receiving unit 2170 is connected to the interface unit 2160 through the network means from the messenger terminal 2100 through the network means for a predetermined non-face-to-face finance for messenger banking customer authentication for payment using the messenger banking Receive transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to an embodiment of the present invention, the non-face-to-face financial transaction authentication information is preferably included in (or applied to) payment request information received from the messenger terminal 2100 and received.

In addition, the information receiving unit 2170 may receive payment request information for payment using the messenger banking from the messenger terminal 2100 through the network means in association with the interface unit 2160. .

According to an embodiment of the present invention, the payment request information may include messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and the non-payment request information. Withdrawal account information and withdrawal account password and payment request server 2150 (or messenger server) corresponding to messenger linked account information for face-to-face messenger banking (or payment amount included in the payment information is withdrawn) At least one payment information received from the (2115), characterized in that the payment request information is a predetermined electronic signature by the messenger banking module 2110 provided in the messenger terminal 2100 It is preferably attached and / or encrypted.

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. To generate and transmit to the messenger server 2115 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 2150 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 2150 information (eg, shopping mall (or content provider) name, payment request server 2150) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 2150 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 2155, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), whereby the present invention is not limited.

The messenger banking server 2155 includes a customer authentication unit 2175 for authenticating the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 2100 through the information receiving unit 2170. Characterized in that made.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined payment request information, the customer authentication unit 2175 is included (or applied) in the payment request information. Characterization, authentication, integrity and nonrepudiation of the messenger-based payment service corresponding to the payment request information through non-face-to-face financial transaction authentication information are secured. do.

When non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received through the information receiver 2170, the customer authentication unit 2175 may receive the received messenger banking ID / PW information and the storage medium. By comparing the ID / PW information for messenger banking included in the customer information stored at 2190, the confidentiality of the messenger-based payment service corresponding to the validation of the messenger banking customer and / or corresponding to the payment request information. , Authentication, integrity and non-repudiation.

In addition, the information encrypted through the at least one encryption key (eg, symmetric key, public key, private key, etc.) provided in the authentication certificate provided in the messenger terminal 2100 through the information receiving unit 2170 When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 2175 decrypts the data through a predetermined decryption key (for example, a symmetric key, a private key, or a public key) corresponding to the encryption key. Validating the messenger banking customer and / or securing confidentiality, authentication, integrity and non-repudiation of the messenger-based payment service corresponding to the payment request information.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received through the information receiving unit 2170, the customer authentication unit 2175 receives the reception. Messenger-based payments corresponding to the validity of the messenger banking customer and / or corresponding to the payment request information by comparing the secured card information with the secured card information included in the customer information stored in the storage medium 2190. Ensuring confidentiality, authentication, integrity and nonrepudiation of the service.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer is received through the information receiver 2170, the customer authentication unit 2175 may store the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 2190, comparing the generated OTP code with the received OTP code, thereby validating the messenger banking customer; and And / or secure confidentiality, authentication, integrity, and nonrepudiation of the messenger-based payment service corresponding to the payment request information.

Referring to FIG. 21, the messenger banking server 2155 processes a non-face-to-face financial transaction for providing a messenger-based payment service in response to payment request information received through the information receiving unit 2170. The processor 2180 and the banking processor 2180 to process the non-face-to-face financial transaction for providing a messenger-based payment service in response to payment request information. When at least one ledger information is retrieved from the ledger D / B provided, and / or a non-face-to-face financial transaction for providing the messenger-based payment service is processed by the banking processor 2180, a predetermined interface is provided. Ledger information corresponding to the non-face-to-face financial transaction is generated through the means to the ledger D / B provided in the financial system. The interface unit 2160 may be generated by storing the ledger processing unit 2185 and storing payment response information including a non-face-to-face financial transaction result for providing a messenger-based payment service in response to the payment request information. Characterized in that it comprises an information transmission unit 2165 for transmitting to the messenger terminal 2100 through.

The messenger member authentication result is received from the messenger server 2115 through the information receiving unit 2170, and the messenger terminal 2100 from the messenger terminal 2100 corresponding to the messenger member authentication result is received through the information receiving unit 2170. When the financial transaction request information corresponding to the account inquiry request for the linked account is received, the banking processor 2180 requests the account inquiry for the messenger linked account to the ledger processor 2185, and correspondingly, the ledger processor 2185 inquires the account ledger corresponding to the messenger linked account from the ledger D / B provided in the financial system through a predetermined interface means, and the information transmitting unit 2165 accounts for the messenger linked account. Generate financial transaction response information including a ledger inquiry result and transfer it to the messenger terminal 2100 through the interface unit 2160. And it characterized in that.

The messenger member authentication result is received from the messenger server 2115 through the information receiving unit 2170, and the messenger terminal 2100 from the messenger terminal 2100 corresponding to the messenger member authentication result is received through the information receiving unit 2170. When the payment request information for payment using banking is received and the non-face-to-face financial transaction authentication information corresponding to the payment request information is normally authenticated by the customer authentication unit 2175, the banking processor 2180 And performing a payment procedure corresponding to the payment request information.

According to an embodiment of the present invention, the payment information included in the payment request information includes predetermined payment amount information, withdrawal account information to which the payment amount of the messenger linked account is withdrawn, the withdrawal account password and The banking processing unit 2180 performs the withdrawal account information through the ledger processing unit 2185 when the payment settlement amount includes at least one deposit account information to be deposited and at least one deposit bank information in which the deposit account is opened. It is preferable to check whether the amount corresponding to the payment amount is deposited in the withdrawal account by inquiring the account ledger corresponding to the account ledger, and / or the account ledger corresponding to the withdrawal account information through the ledger processor 2185. It is preferable to check the validity of the withdrawal account password by inquiring.

In addition, the banking processing unit 2180 reads the deposit bank information to check whether the wage account is opened in the party equipped with the financial system or in the other row, it is preferable that the deposit account in the bank. When opened, it is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system through the ledger processing unit 2185, or when the deposit account is opened in the other row, the ledger It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the deposit bank information through a financial common network through the processing unit 2185 through the financial system.

Thereafter, the banking processor 2180 calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the deposit account, and the payment amount and the payment payment to the ledger processor 2185. Request a ledger to withdraw a fee from the withdrawal account and deposit it into the deposit account.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 2185 generates ledger information for withdrawing the payment amount and payment fee from the withdrawal account and depositing the money into the deposit account, and through the predetermined interface means. And storing the information in a ledger D / B provided in the system, wherein the information transmitter 2165 generates payment response information including a non-face-to-face financial transaction result corresponding to the payment request information. It is characterized in that the transmission to the messenger terminal 2100 through (2160).

According to another exemplary embodiment of the present invention, predetermined payment amount information is included in the payment information included in the payment request information, withdrawal account information to which the payment amount of the messenger linked account is withdrawn, and the withdrawal account password. And at least one depositing messenger account information corresponding to the messenger member who is to receive the payment amount, the banking processor 2180 is connected to the storage medium 2190 and the deposit messenger account information. And deposits the messenger linked account information stored in association with.

If at least two extracted payment-side messenger-linked accounts are included (or if no deposit account is specified among at least two payment-side messenger-linked accounts), the banking processor 2180 may execute the messenger terminal 2100. By providing the extracted payment-side messenger linked account information, requesting to select a predetermined payment-side messenger linked account to which the payment amount is to be deposited, and from the messenger terminal 2100 through the information receiving unit 2170. Receives the selected payment-side messenger linked account information.

In this case, since the received payment-side messenger linked account information will be a financial account opened in the bank, the banking processor 2180 corresponds to the deposit account information in connection with the financial system through the ledger processor 2185. It is advisable to check if a financial account is opened.

In addition, when the banking processor 2180 includes at least one deposit account information to which the payment amount is to be deposited, and at least one deposit bank information in which the deposit account is opened, the banking processor 2180 may include the ledger processor ( It is preferable to check the account ledger corresponding to the withdrawal account information through 2185 to check whether an amount corresponding to the payment amount is deposited in the withdrawal account, and / or through the ledger processor 2185. It is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information.

Thereafter, the banking processor 2180 calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the deposit account, and the payment amount and the payment payment to the ledger processor 2185. Request a ledger to withdraw a fee from the withdrawal account and deposit it into the deposit account.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 2185 generates ledger information for withdrawing the payment amount and payment fee from the withdrawal account and depositing the money into the deposit account, and through the predetermined interface means. And storing the information in a ledger D / B provided in the system, wherein the information transmitter 2165 generates payment response information including a non-face-to-face financial transaction result corresponding to the payment request information. It is characterized in that the transmission to the messenger terminal 2100 through (2160).

According to the exemplary embodiment of the present invention, the banking processor 2180 checks whether the messenger linked account is connected with a predetermined mother account, and when the messenger linked account is connected with a predetermined mother account, the banking processor 2180 Through the ledger processing unit 2185, the customer ledger corresponding to the predetermined parent account from the customer ledger corresponding to the mother account from the general ledger D / B on the financial system confirms the information of the customer communication means (for example, the customer's mobile phone number). And requesting the client communication means to approve a messenger banking-based payment using the messenger linked account as a withdrawal account. In this case, when the messenger banking-based payment is approved by the customer communication means, the messenger banking is approved. It is desirable to process the underlying payment.

For example, if the messenger member is a minor (or a limited amount or a garrison), and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the banking processor 2180 may be configured as the messenger member. A parent (or law) corresponding to a customer corresponding to the predetermined parent account from the customer ledger corresponding to the parent account of the parent (or legal guardian) of the messenger member from the ledger D / B on the financial system through the ledger processor 2185 Parent guardian) to verify the means of communication (e.g., customer's mobile phone number) and to request that the parent (or legal guardian) communication means approve a messenger banking based payment using the messenger linked account as a withdrawal account; In this case, the parent (or legal guardian) means of communication in the messenger banking-based payment means If approved, it is desirable to process the messenger banking based payment.

According to another exemplary embodiment of the present invention, the banking processor 2180 checks whether the messenger linked account is connected to a predetermined mother account, the messenger linked account is connected to a predetermined mother account, and the mother account is also illustrated in FIG. 1. And / or registered with the messenger linked account through the messenger banking information registration system shown in FIG. 6, the banking processor 2180 checks messenger account information corresponding to the mother account from the storage medium 2190. And requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 2105 corresponding to the messenger account information corresponding to the confirmed mother account, in this case, to the parent account. The messenger banking in the messenger program 2105 corresponding to the corresponding messenger account information; If the half-payment is approved, it is desirable to process the messenger banking-based payments.

For example, the messenger member is a minor (or a limited amount or a garner), and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 1 and / or 6. When the predetermined messenger banking information is registered through the information registration system, the banking processor 2180 checks the messenger account information of the parent (or legal guardian) from the storage medium 2190, and the confirmed parent (or legal). Requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 2105 corresponding to the messenger account information of the parent guardian), in which case the parent (or legal guardian) In the messenger program 2105 corresponding to the messenger account information of If the phosphorus, it is preferable to process the messenger banking based payment.

Referring to FIG. 21, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) access to the financial system; and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as.

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

According to an embodiment of the present invention, the external system of the financial system may include at least one non-face-to-face financial transaction processing function requested from the messenger banking server 2155 in association with the messenger banking server 2155 through the interface means. For example, it is preferable to include a messenger banking unit for performing a ledger inquiry, or ledger information storage.

In general, the financial system is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network), and through the window terminal. Provide face-to-face financial transaction services to 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 another financial institution branch), 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 (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). 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, 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 call 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 (eg, 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 or more 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).

Referring to FIG. 21, the financial system is connected to the messenger banking server 2155, and the at least one messenger terminal 2100 connected to a predetermined wired / wireless communication network through the messenger banking server 2155. It provides a non-face-to-face financial transaction service to at least one messenger customer through.

22 is a diagram illustrating a payment request process for payment using messenger banking according to another embodiment of the present invention.

In more detail, FIG. 22 provides an Internet shopping mall server and / or paid content shown in FIG. 21 through a client terminal (not shown) and / or a messenger terminal 2100 in which a predetermined messenger member has a predetermined web browser. Receive at least one or more types or intangible goods (or services) by accessing a payment request server 2150 including at least one server, and the messenger banking as a payment method for the types or intangible goods (or services). In the case of selecting payment using the payment process, the payment request server 2150 is a process for processing payment using the messenger banking, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modifying the method, various implementation methods for the payment request process for payment using messenger banking are provided. It may be ugly, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 22 and the payment request server 2150 is provided in an offline store to make a predetermined payment to the messenger terminal 2100. A payment terminal capable of transmitting payment information (eg, a credit authorization terminal (CAT) terminal or a point of sales terminal) may infer an implementation method, but the present invention includes all implementation methods inferred from the above. Is done.

Hereinafter, in FIG. 22, a client terminal (not shown) and / or a messenger terminal 2100 equipped with the predetermined web browser are referred to as " terminals " for convenience, and the Internet shopping mall server and / or paid content shown in FIG. The payment request server 2150 including at least one providing server is referred to as a "server" for convenience.

Referring to FIG. 22, when the messenger member accesses the server through the terminal and purchases (or receives) at least one or more types or intangible goods (or services) (2200), the server sends the terminal to the terminal. A payment method selection interface for selecting a predetermined payment method for payment processing corresponding to a tangible or intangible product (or service) is provided (2205).

According to an embodiment of the present invention, the payment means selection interface is at least one conventional payment means such as credit card payment means, check card payment means, debit card payment means, bank transfer payment means, bank account payment means, mobile phone payment means, etc. It preferably comprises a selection interface and a user interface for selecting at least one payment means of the messenger banking payment means according to the present invention.

Thereafter, the terminal inputs (or selects) payment means selection information corresponding to a predetermined payment means for payment processing corresponding to the tangible or intangible goods (or services) through the payment means selection interface. In operation 2215, the server reads the payment means selection information and checks whether the terminal has selected messenger banking-based payment through the messenger banking payment means according to the present invention.

If the result of reading the payment means selection information is not selected by the instant messenger banking payment through the messenger banking payment means according to the present invention (for example, credit card payment means, check card payment means, debit card payment means, bank transfer payment means (2220), the server corresponds to the tangible or intangible product (or service) through a payment means corresponding to the payment means selection information. The payment is processed (2225).

Those skilled in the art to which the present invention belongs, any one of the credit card payment means, check card payment means, debit card payment means, bank transfer payment means, bankbook payment payment means, mobile phone payment means in the server Since you will be familiar with the technical features of the payment processing through the payment method, a detailed description thereof will be omitted for convenience.

On the other hand, if the messenger banking-based payment through the messenger banking payment means according to the present invention is selected as a result of reading the payment means selection information (2220), the server sends a messenger account for the messenger banking-based payment according to the present invention to the terminal. Provide a messenger banking information input interface for inputting (or selecting) information and / or banking messenger information (2230), and correspondingly, the terminal transmits the tangible or intangible commodity (or Service account) and / or input messenger account information and / or banking messenger information for payment processing to transmit to the server (2235).

23 is a diagram illustrating a payment processing process for payment using messenger banking according to another embodiment of the present invention.

More specifically, FIG. 23 corresponds to a messenger member provided with the tangible or intangible goods (or services) to the payment request server 2150 shown in FIG. 21 through the payment request process shown in FIG. When the messenger account information and / or the messenger information for banking is received, the payment request server 2150 uses messenger banking to determine a payment amount corresponding to the tangible or intangible product (or service) based on the messenger account information. As a person having ordinary knowledge in the technical field to which the present invention pertains, various implementations of the payment settlement process for payment using messenger banking are made by referring to and / or modifying the drawing 23. It will be appreciated that the method may be inferred, but the present invention will include all implementation methods inferred above, as shown in FIG. The technical features are not limited only by the implementation method.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may implement the method of referring to and / or modifying the drawing 23 to include the payment-side messenger account information of the shopping mall (or the content provider) in the payment information. It may be inferred that, but the present invention comprises all the inferred method of implementation.

Referring to FIG. 23, a messenger corresponding to a messenger member provided with the tangible or intangible goods (or services) to the payment request server 2150 shown in FIG. 21 through the payment request process shown in FIG. When the account information and / or banking messenger information is received, the payment request server 2150 transmits the messenger account information of the messenger member to the messenger server 2115 corresponding to the banking messenger information (2300). In response, the messenger server 2115 checks the validity of the messenger member through the messenger account information (2305).

According to the exemplary embodiment of the present invention, the messenger server 2115 confirming the validity of the messenger member includes member information matching the messenger account information of the messenger member among the member information stored in the member information D / B. It is preferable to include whether the messenger member corresponding to the messenger account information included in the payment information is a messenger member corresponding to the messenger server 2115 by searching for the presence.

If the messenger member corresponding to the messenger account information is not identified as a messenger member corresponding to the messenger server 2115 (2310), the messenger server 2115 generates messenger member error information to generate the messenger member error information. 2150, and in response, the payment request server 2150 terminates the payment settlement process using messenger banking according to the present invention.

On the other hand, if a messenger member corresponding to the messenger account information included in the payment information is identified as a messenger member corresponding to the messenger server 2115 (2310), the messenger server 2115 may be configured as the messenger member of FIG. / Or (2320) is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIG.

According to an exemplary embodiment of the present invention, the messenger server 2115 checks the messenger banking subscription information stored in association with the messenger account information in the member information D / B, whereby the messenger member is connected to the drawing 1 and / or Through the messenger banking information registration system shown in FIG. 6, it is characterized in that it is a messenger banking customer for payment using the messenger banking.

According to another exemplary embodiment of the present invention, when the messenger banking subscription information is not stored in the member information D / B, the messenger server 2115 transmits the messenger banking server 2155 through the messenger banking operation unit 2120. In conjunction with the storage medium 2190 provided in the) to determine whether the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in Figure 1 and / or Figure 6 It is possible, and the invention is not limited thereby.

If the messenger banking customer validity of the messenger member is not confirmed (2325), the messenger server 2115 generates messenger banking customer error information and transmits it to the payment request server 2150 (2330). The payment request server 2150 terminates a payment settlement procedure using messenger banking according to the present invention.

On the other hand, when the validity of the messenger banking customer for the messenger member is confirmed (2325), the messenger server 2115 searches for the member information D / B based on the messenger account information of the messenger member, and the messenger member whose validity is confirmed. By executing (or driving) the predetermined messenger program 2105 and logging in, the validity of real-time payment for real-time payment processing of the payment amount is confirmed through the messenger banking (2335).

If the validity of the real-time payment is not confirmed based on the time when the messenger account information of the messenger member is received from the payment request server 2150 (2340), the messenger server 2115 performs real-time payment for the messenger member. The error information is generated and transmitted to the payment request server 2150 (2345).

Thereafter, the payment request server 2150 requests the messenger member to execute (or drive) a predetermined messenger program 2105 through the messenger member's client terminal (or messenger terminal 2100), and the messenger program. Check whether 2105 is executed (or driven) (2350).

If a predetermined messenger program 2105 used by the messenger member is executed (or driven) (2355), the payment request server 2150 may include a payment amount corresponding to the tangible or intangible product (or service); Generate payment information including payment account information and payment bank information corresponding to the shopping mall (or a content provider) (2380), and transmit the generated payment amount to the messenger program 2105 of the messenger member ( 2385).

On the other hand, if a predetermined messenger program 2105 used by the messenger member is not executed (or driven) (2355), the payment request server 2150 may be connected to the messenger account information and the tangible or intangible product (or service). Generate payment information including the corresponding payment amount, the payment account information and the payment bank information corresponding to the shopping mall (or the content provider) (2360), and the generated payment amount to the messenger server (2115) In response thereto (2365), the messenger server 2115 correspondingly stores and stores the member information of the messenger member and the payment information in the member information D / B based on the messenger account information (2370). ), The payment information stored in the member information D / B allows the messenger member to execute (or drive) a predetermined messenger program 2105 to log in to the messenger server 2115. Is provided to the messenger program 2105.

On the other hand, if the validity of the real-time payment is confirmed based on the time when the messenger account information of the messenger member is received from the payment request server 2150 (2340), the messenger server 2115 approves the real-time payment of the messenger member. Generates information and transmits the information to the payment request server 2150 (2375). The payment request server 2150 corresponds to the payment amount corresponding to the tangible or intangible product (or service) and the shopping mall ( Or generating payment information including payment account information and deposit bank information corresponding to the content provider (2380) and transmitting the generated payment amount to the messenger program 2105 of the messenger member (2385).

24 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to an embodiment of the present invention.

In more detail, FIG. 24 illustrates that when a messenger program 2105 is executed (or driven) in a predetermined messenger terminal 2100 and the user logs in to the predetermined messenger server 2115 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. A messenger member authentication process for activating to provide a payment service using the messenger banking through a program 2105. Specifically, messenger banking subscription information for confirming whether the messenger member is the messenger banking customer is shown in FIG. It is for the case where the stored member information is stored in D / B.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to infer various implementation methods for a messenger member authentication process for payment using messenger banking. The invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 24, the messenger terminal 2100 shown in FIG. 21 is referred to as "terminal" for convenience, and the messenger server 2115 shown in FIG. 21 is referred to as "server" for convenience.

Referring to FIG. 24, when a predetermined messenger member executes (or drives) (or automatically executes) a messenger program 2105 provided in a predetermined terminal, the terminal receives the messenger program 2105 through the messenger program 2105. Input the messenger account information of the messenger member and transmit it to the server (2400).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 2105 and transmitting the messenger account information to the server may include: a key input means provided by the messenger member in the terminal; Preferably, the method further includes the step of inputting the messenger account information, or the messenger program 2105 further includes the step of automatically inputting the messenger account information stored in a memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (2405).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (2410), the The server generates a predetermined messenger member error result and transmits the result to the terminal (2415). In response, the terminal transmits at least one messenger service (e.g., text chat, voice chat, image) through the messenger program 2105. End without providing chat, message exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (2410), the server The messenger banking subscription information associated with the messenger account information is read to determine whether the messenger member is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIGS. 1 and / or 6 (2420).

According to an embodiment of the present invention, the server is processed in association with the messenger account information to confirm messenger banking subscription information stored in the member information D / B, whereby the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether a user is registered as a messenger banking customer through a messenger banking information registration system.

If the messenger member is not subscribed as a messenger banking customer (2425), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member 2105). Generates and transmits the information to the terminal (2430), and correspondingly, the terminal corresponds to at least one messenger function (e.g., text chat, voice chat, image) included in the messenger program 2105; Chat, message exchange, file exchange, mailing, friend search, etc.) (2435).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2425), the server is the messenger member authentication result including the messenger account information (for example, the messenger member at least one messenger through the messenger program 2105). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 2155 (2440), and the messenger banking server 2155 transmits the messenger member authentication result to a predetermined storage medium 2190. (2445).

According to the exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 2155 is the messenger member upon request for payment using at least one messenger banking from the terminal to the messenger banking server 2155. It is preferably used as information to authenticate the validity of the.

In addition, the messenger member authentication result stored in the messenger banking server 2155 may include at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry is requested from the terminal to the messenger banking server 2155. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Thereafter, the server searches the member information D / B and checks whether payment information corresponding to the messenger member is stored in the member information D / B through the payment settlement process shown in FIG. 23 (2450). ).

If payment information corresponding to the messenger member is not stored in the member information D / B (2455), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal (2460). In response, the terminal activates at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 2105. Also, the messenger banking function provided in the messenger program 2105 is activated based on the messenger banking subscription information (2465).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 2155 to identify the messenger banking customer.

According to the exemplary embodiment of the present invention, activating the messenger banking function included in the messenger program 2105 may include: when a messenger banking icon and / or a messenger banking menu are provided in the messenger program 2105, It is preferable that the messenger member is activated to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 2105 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 2105, and / or A messenger program 2105 provided in at least one other terminal associated with the messenger program 2105, and / or at least one server associated with the messenger program 2105 (eg, a payment request server shown in FIG. 21). (2150), or upon request for payment using the messenger banking from the messenger server 2115 or the messenger banking server 2155), in response to this, activates to perform a payment settlement process using the requested messenger banking. It is preferable to include what is included.

On the other hand, if the payment information corresponding to the messenger member is stored in the member information D / B (2455), the server receives the member information from the member information D / B through the payment processing shown in FIG. The payment information stored in the D / B is extracted (2470).

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. To generate and transmit to the messenger server 2115 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 2150 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 2150 information (eg, shopping mall (or content provider) name, payment request server 2150) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 2150 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 2155, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), whereby the present invention is not limited.

Thereafter, the server includes the messenger banking subscription information and the extracted payment information in the messenger member authentication result (2475), and correspondingly, the terminal is provided in the messenger program (2105). Activate at least one messenger function (e.g., text chat, voice chat, image chat, message exchange, file exchange, mailing, friend search, etc.), and also activate the messenger program 2105 based on the messenger banking subscription information. After activating the provided messenger banking function, by outputting the payment information to the messenger program 2105 (2480), the messenger program 2105 corresponds to the payment information through the activated messenger banking function. Payment processing to be performed.

25 is a diagram illustrating a messenger member authentication process for payment using messenger banking according to another embodiment of the present invention.

In more detail, FIG. 25 illustrates that when a messenger program 2105 is executed (or driven) in a predetermined messenger terminal 2100 and the user logs in to the predetermined messenger server 2115 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. As a messenger member authentication process for activating to provide a payment service using the messenger banking through a program 2105, a process of verifying whether the messenger member is a messenger banking customer is described in FIGS. 1 and / or 6. When processing in connection with the storage medium 2190 on the illustrated messenger banking information registration system A such, the storage medium 2190 is considered to be provided in a banking server the Messenger (2155) as shown in the figure 21.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 25 to infer various implementation methods for a messenger member authentication process for payment using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 25.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 25 so that the storage medium 2190 may provide a non-face-to-face messenger banking service to the customer. When stored in the ledger D / B, and / or stored in a predetermined database associated with the ledger D / B, various implementation methods for confirming whether the messenger member is a messenger banking customer in connection with the storage medium (2190) It may be inferred, and the present invention is characterized by including all the methods of inference.

Hereinafter, in FIG. 25, the messenger terminal 2100 shown in FIG. 21 is referred to as "terminal" for convenience, and the messenger server 2115 shown in FIG. 21 is referred to as "server" for convenience.

Referring to FIG. 25, when a predetermined messenger member executes (or drives) a messenger program 2105 provided in a predetermined terminal (or automatically executes), the terminal is connected to the messenger member 2105 via the messenger program 2105. Input the messenger account information of the server and transmit it to the server (2500).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 2105 and transmitting the messenger account information to the server may include: a key input means provided by the messenger member in the terminal; Preferably, the method further includes the step of inputting the messenger account information, or the messenger program 2105 further includes the step of automatically inputting the messenger account information stored in a memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with the messenger account information stored in the member information D / B to authenticate the validity of the messenger member (2505).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (2510), The server generates a predetermined messenger member error result and transmits the result to the terminal (2515). In response, the terminal transmits at least one messenger service (e.g., text chat, voice chat, and video chat) through the messenger program 2105. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (for example, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (2510), the server Generating the messenger member authentication result including the messenger account information (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 2105) and the messenger banking And the message banking server checks whether the messenger account information matching the messenger account information is stored in the storage medium 2190. And / or as a messenger banking customer through the messenger banking information registration system shown in FIG. Make sure the Mouth (2525).

According to the exemplary embodiment of the present invention, when the messenger banking server 2155 determines that the messenger account information matching the messenger account information is stored in the storage medium 2190, the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether the user is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIG.

If the messenger member is not subscribed as a messenger banking customer (2530), the messenger banking server 2155 generates messenger banking non-subscription information for the messenger account information and transmits the messenger banking information to the server (2535).

Thereafter, the server generates the messenger member authentication result (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 2105) and transmits the same to the terminal. In response, the terminal performs at least one or more messenger functions (eg, text chat, voice chat, image chat, message exchange, file exchange, mail transmission, friend search, etc.) included in the messenger program 2105. Activate (2545).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2530), the messenger banking server 2155 may perform at least one messenger service through the messenger member authentication result (eg, the messenger member through the messenger program 2105). Information for authenticating that the member is a valid member) can be stored in a predetermined storage medium 2190 (2550), and the messenger banking subscription information for the messenger account information is generated and transmitted to the server (2555).

According to the exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 2155 is the messenger member upon request for payment using at least one messenger banking from the terminal to the messenger banking server 2155. It is preferably used as information to authenticate the validity of the.

In addition, the messenger member authentication result stored in the messenger banking server 2155 may include at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry is requested from the terminal to the messenger banking server 2155. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Thereafter, the server searches the member information D / B and checks whether payment information corresponding to the messenger member is stored in the member information D / B through the payment settlement process shown in FIG. 23 (2560). ).

If payment information corresponding to the messenger member is not stored in the member information D / B (2565), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal (2570). In response, the terminal activates at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 2105. In addition, the messenger banking function of the messenger program 2105 is activated based on the messenger banking subscription information (2575).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 2155 to identify the messenger banking customer.

According to the exemplary embodiment of the present invention, activating the messenger banking function included in the messenger program 2105 may include: when a messenger banking icon and / or a messenger banking menu are provided in the messenger program 2105, And enabling a messenger member to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 2105 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 2105, and / Or a messenger program 2105 provided in at least one or more other terminals associated with the messenger program 2105 and / or at least one server associated with the messenger program 2105 (eg, a payment request shown in FIG. 21). When a payment request using the messenger banking is requested from a server 2150, the messenger server 2115, or the messenger banking server 2155, etc., it is activated to perform a payment settlement process using the requested messenger banking in response. It is preferable that it consists of including.

On the other hand, if the payment information corresponding to the messenger member is stored in the member information D / B (2565), the server receives the member information from the member information D / B through the payment processing shown in FIG. The payment information stored in the D / B is extracted (2580).

The payment information may include predetermined payment amount information, payment account information to which the payment amount is to be deposited, payment bank information where the payment account is opened, and messenger account information of the messenger member. To generate and transmit to the messenger server 2115 included in the banking messenger information.

In addition, the payment information is provided to the type or intangible goods (or services) provided (or purchased) by the messenger member from the payment request server 2150 (eg, an internet shopping mall server and / or a paid content providing server). It is preferable to further include corresponding purchase product information (eg, purchase product name, purchase product image, purchase product specifications, etc.).

In addition, the payment information is the payment request server 2150 information (eg, shopping mall (or content provider) name, payment request server 2150) address that provided the tangible or intangible goods (or services) to the messenger member. And the like).

According to another exemplary embodiment of the present invention, a shopping mall (or a content provider) corresponding to the payment request server 2150 receives predetermined messenger banking information through the messenger banking information registration system shown in FIGS. 1 and / or 6. In the case of registration, the deposit account information and the deposit bank information included in the payment information may be replaced with the deposit messenger account information of the shopping mall (or the content provider), in which case the deposit messenger account information is the messenger banking server. In step 2155, the payment is processed by being replaced with the messenger linked account information of the shopping mall (or the content provider), whereby the present invention is not limited.

Thereafter, the server includes the messenger banking subscription information and the extracted payment information in the messenger member authentication result (2585) and correspondingly, the terminal is provided in the messenger program 2105. Activated at least one messenger function (e.g., text chat, voice chat, image chat, message exchange, file exchange, mailing, friend search, etc.), and also based on the messenger banking subscription information. After activating the messenger banking function provided in the terminal, the payment information is output to the messenger program 2105 (2590), and the messenger program 2105 is used to send the payment information through the activated messenger banking function. Perform the corresponding payment processing.

26 is a diagram illustrating a non-face-to-face financial transaction authentication process for payment using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 26 illustrates the messenger banking provided in the messenger program 2105 included in the messenger terminal 2100 after performing the messenger member authentication process as shown in FIGS. 24 and / or 25. When the function is activated, to perform a non-face-to-face financial transaction authentication process for processing a face-to-face financial transaction for payment using the messenger banking based on the activated messenger banking function, according to the technical features of the present invention Accordingly, in FIG. 26, before the non-face-to-face financial transaction authentication process is performed, the non-face-to-face financial transaction (eg, account inquiry, etc.) is performed through the messenger member authentication result shown in FIGS. 24 and / or 25 as shown in FIG. 27. Will be further illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to infer various implementation methods for the non-face-to-face financial transaction authentication process for payment using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 26.

Hereinafter, in FIG. 26, the messenger terminal 2100 illustrated in FIG. 21 is referred to as a “terminal” for convenience, and the messenger banking server 2155 illustrated in FIG. 21 is referred to as a “server” for convenience.

Referring to FIG. 26, a messenger banking icon corresponding to a messenger banking function activated by a messenger member through a messenger program 2105 provided in a predetermined terminal through the process shown in FIG. 24 and / or FIG. When the messenger banking menu is selected (2600), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program, and a predetermined non-face-to-face financial transaction authentication information input item is displayed through the user interface. Check if it is selected (2605).

According to an embodiment of the present invention, the messenger banking item selection user interface outputted through the messenger program 2105 before the non-face-to-face financial transaction authentication process is performed, at least one corresponding to payment using the messenger banking. Of the above messenger banking items, the messenger banking items that can be processed after the non-face-to-face financial transaction authentication process shown in FIG. 26 are preferably deactivated.

For example, the messenger banking item selection user interface output through the messenger program 2105 before the non-face-to-face financial transaction authentication process is performed may include a predetermined non-face-to-face financial transaction authentication information input item and the drawing 24 and / or It is preferable that only messenger banking items corresponding to non-facing non-face-to-face financial transactions (eg, account inquiry, etc.) that can be processed only by the messenger member authentication result shown in FIG. 25 are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (2610), the terminal is a non-face-to-face non-face-to-face process that can be processed only by the messenger member authentication results shown in FIGS. 24 and / or 25. It is checked whether an account inquiry-based messenger banking item corresponding to the financial transaction is selected (2615).

If an account inquiry-based messenger banking item corresponding to a non-face to face non-face-to-face financial transaction that can be processed only by the new member authentication result is not selected through the user interface (2620), the terminal provides a predetermined non-face-to-face through the user interface. The process of checking whether the financial transaction authentication information input item is selected is repeated.

On the other hand, if an account inquiry-based messenger banking item corresponding to a non-faceted non-financial transaction that can be processed only by the result of the new member authentication through the user interface is also selected (2620), the terminal is an account inquiry-based messenger as shown in FIG. Perform banking procedures.

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (2610), the terminal outputs at least one or more non-face-to-face financial transaction authentication information input user interface through the messenger program 2105, In operation 2825, at least one non-face-to-face financial transaction authentication information is input through the user interface.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

If at least one non-face-to-face financial transaction authentication information is input through the user interface (2630), the terminal inputs through the process shown in FIGS. 24 and / or 25 through the messenger program 2105. The messenger account information and at least one non-face-to-face financial transaction authentication information input through the user interface are transmitted to the server (2635).

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 24 and / or 25 is used. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process illustrated in FIGS. 24 and / or 25 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Check the validity for (2640).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2645), the server generates predetermined non-face-to-face financial transaction authentication error result information and transmits it to the terminal (2650). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2655).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (2645), the server sends to the messenger banking customer (or payment using the messenger banking) through the non-face-to-face financial transaction authentication information. Check the validity (2660).

When the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received from the terminal according to an embodiment of the present invention, the server receives the received messenger banking ID / PW information and the storage medium 2190. By comparing the ID / PW information for messenger banking included in the customer information stored in the, the confidentiality, authentication, integrity and non-repudiation of the validity of the messenger banking customer and / or payment using the messenger banking is ensured. It is desirable to.

In addition, non-face-to-face finance including information encrypted from the terminal through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in the authentication certificate provided in the messenger terminal 2100. When the transaction authentication information is received, the server decrypts through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key, thereby validating the messenger banking customer, and It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of payment using the instant messenger banking.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received from the terminal, the server receives the received security card information and the storage medium 2190. By comparing the security card information included in the customer information stored in the), it is desirable to ensure the validity of the messenger banking customer, and / or to secure the confidentiality, authentication, integrity and non-repudiation of payments using the messenger banking Do.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer is received from the terminal, the server includes the customer information stored in the customer information stored in the storage medium 2190. By generating a predetermined OTP code based on the OTP code generation information, and comparing the generated OTP code and the received OTP code, to verify the validity of the messenger banking customer, and / or to pay using the messenger banking It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation.

If the validity of the messenger banking customer (or payment using the messenger banking) is not authenticated through the non-face-to-face financial transaction authentication information (2665), the server generates predetermined non-face-to-face financial transaction authentication error result information. In step 2650, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2655).

On the other hand, if the validity of the messenger banking customer (or payment using the messenger banking) is authenticated through the non-face-to-face financial transaction authentication information (2665), the server generates predetermined non-face-to-face financial transaction authentication approval result information. And transmits to the terminal (2670), and correspondingly, the terminal activates a messenger banking item corresponding to the non-face-to-face financial transaction authentication approval result information (2675), and the messenger banking corresponding to the non-face-to-face financial transaction authentication approval result information The item is characterized by comprising a payment item using messenger banking according to the present invention.

27 illustrates a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

More specifically, FIG. 27 illustrates a non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIGS. 24 and / or 25 during the non-face-to-face financial transaction authentication process shown in FIG. 26. If the corresponding account inquiry-based messenger banking item is selected, the process for processing the non-face-to-face financial transaction corresponding to the account inquiry-based messenger banking item, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawing 27, it is possible to infer implementation methods for various non-face-to-face financial transaction processes based on messenger member authentication results, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 27, the messenger terminal 2100 illustrated in FIG. 21 is referred to as a “terminal” for convenience, and the messenger banking server 2155 illustrated in FIG. 21 is referred to as a “server” for convenience.

Referring to FIG. 27, during the non-face-to-face financial transaction authentication process shown in FIG. 26, the non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIG. 24 and / or FIG. When the account inquiry based messenger banking item is selected, the terminal generates predetermined messenger association account inquiry request information including the messenger account information through the messenger program 2105 (2700), and the messenger program 2105. In operation 2705, the server transmits the messenger linked account inquiry request information to the server.

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 24 and / or 25 is used. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process illustrated in FIGS. 24 and / or 25 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Validate for (2710).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2715), the server generates predetermined messenger linked account inquiry error information and transmits it to the terminal (2720). The terminal outputs the messenger linked account error information through the messenger program 2105 (2725).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (2715), the server is stored in the storage medium 2190 through messenger account information included in the messenger linked account inquiry request information. The predetermined messenger linked account information is checked (2730), and is processed to query the messenger linked account ledger in association with the financial system shown in FIG. 21 (2735).

If the messenger linked account ledger inquiry is completed through the financial system (2740), the server generates a predetermined messenger linked account inquiry result corresponding to the messenger linked account inquiry request in association with the financial system (2745). After generating predetermined messenger linked account inquiry result information including the messenger linked account inquiry result (2750), the generated messenger linked account inquiry result information is transmitted to the terminal (2755), and correspondingly, the terminal. In operation 2760, the messenger program 2105 outputs the received messenger linked account inquiry result information through the messenger program 2105.

28A, 28B, and 28C illustrate a payment process using messenger banking according to an exemplary embodiment of the present invention.

More specifically, FIGS. 28A, 28B, and 28C illustrate the payment request server 2150 during the payment processing process shown in FIG. 23 and / or the messenger member authentication process shown in FIGS. 24 and / or 25. When the predetermined payment information is received from the messenger server 2115 to the messenger terminal 2100, a process of processing a payment corresponding to the payment information using messenger banking at the messenger terminal 2100. In more detail, the messenger terminal 2100 illustrated in FIG. 21 includes at least one payment amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information through the messenger program 2105. The present invention relates to a method for processing the messenger banking-based payment based on a user interface for inputting payment related information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 28a, 28b, and 28c to infer various implementation methods for the payment process using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 28A, 28B, and 28C.

Hereinafter, in FIGs. 28A, 28B, and 28C, the messenger terminal 2100 shown in FIG. 21 is referred to as "terminal" for convenience, and the messenger banking server 2155 shown in FIG. 21 is referred to as "server" for convenience. .

Referring to FIGS. 28A, 28B, and 28C, the payment request server 2150 may be used during the payment processing process shown in FIG. 23 and / or the messenger member authentication process shown in FIGS. 24 and / or 25. Alternatively, when predetermined payment information is received from the messenger server 2115 to the messenger terminal 2100 (2800), the terminal through the messenger program 2105 performs non-face-to-face finance through the process illustrated in FIG. 26. The transaction verification process confirms whether the non-face-to-face financial transaction authentication information is approved (2805).

If the non-face-to-face financial transaction authentication information is not approved (2810), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (2810), the terminal outputs the non-face-to-face financial transaction authentication-based messenger banking item selection user interface through the messenger program 2105, and outputs the user interface. It is checked whether a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected (2815).

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected through the user interface (2820), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 2105. (2825)

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 24 and / or 25 is used. May be included, whereby the present invention is not limited.

Thereafter, the terminal transmits the messenger linked account information request information to the server through the messenger program 2105 (2830).

According to the exemplary embodiment of the present invention, the messenger linked account information request information may be transmitted to the server by attaching and / or encrypting a predetermined electronic signature through a messenger banking module 2110 provided in the terminal. Correspondingly, the server decrypts the messenger linked account information request information and confirms the attached electronic signature. If the person has ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features of, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the predetermined messenger linked account information stored in the storage medium 2190 through messenger account information included in the messenger linked account information request information from the storage medium 2190 to determine the messenger linked account. Information is transmitted to the terminal (2835).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 1 and / or 6 is one, or the messenger shown in FIGS. 1 and / or 6 When the messenger linked account information registered through the banking information registration system is included in the messenger program 2105 (or messenger banking module 2110), the terminal requests the messenger linked account information from the terminal, Correspondingly, the process of checking the messenger linked account information in the server and transmitting the information to the terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal selects the withdrawal account information from the received messenger linked account information through the messenger program 2105, inputs a withdrawal account password corresponding to the withdrawal account information, and includes the payment information in the payment information. Output a payment processing user interface for inputting (or selecting) at least one or more payment amount information, payment account information, and payment bank information (2840), and execute the payment processing user interface through the messenger program 2105; Based on the payment settlement amount, the withdrawal account information, the withdrawal account password, the deposit account information, and the payment bank information, check whether the payment related information including at least one is input (2845).

If payment related information including at least one or more of the payment amount, withdrawal account information, withdrawal account password, deposit account information, and deposit bank information is input (2850), the terminal transmits the information through the messenger program 2105; Generate payment request information including messenger account information and payment related information (eg, payment amount, withdrawal account information, withdrawal account password, deposit account information, deposit bank information) (2855); and the messenger program (2105). At least one non-face-to-face financial transaction authentication information is included in the generated payment request information and transmitted to the server through step 2860.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the payment request information is preferably transmitted to the server by attaching and / or encrypting a predetermined electronic signature through the messenger banking module 2110 provided in the terminal. Preferably, the server decrypts the payment request information and checks the attached electronic signature. If the person having ordinary knowledge in the technical field to which the present invention belongs, the technical features of the encryption / decryption function and the electronic signature function Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the process of transmitting payment request information to the server through the messenger program 2105 is performed through one communication transaction or through at least two communication transactions. It is possible to all of them, by which the present invention is not limited.

Thereafter, the server verifies the validity of the non-face-to-face financial transaction authentication information included in the payment request information (2865).

According to an embodiment of the present invention, the payment request information includes ID / PW information for messenger banking, and / or authorized certificate information, and / or predetermined security card information issued to the messenger banking customer for non-face-to-face financial transactions. , And / or non-face-to-face financial transaction authentication information including at least one or more OTP codes generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions, is preferably received by the server. In response, the server preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the payment request information.

According to an embodiment of the present invention, when the payment request information includes non-face-to-face financial transaction authentication information including messenger banking ID / PW information, the server receives the received messenger banking ID / PW information and the information. By comparing the messenger banking ID / PW information included in the customer information stored in the storage medium 2190, the validity of the messenger banking customer and / or the confidentiality, authentication, and integrity of the non-face-to-face banking using the messenger. And non-repudiation.

In addition, the payment request information includes information encrypted through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in an authentication certificate included in the messenger terminal 2100. When the non-face-to-face financial transaction authentication information is included and received, the server decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is desirable to ensure validity, and / or confidentiality, authentication, integrity, and nonrepudiation for non-face-to-face banking using the messenger.

In addition, when the payment request information includes non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer, the server may receive the received security card information. By comparing the security card information included in the customer information stored in the storage medium 2190, the validity of the messenger banking customer, and / or the confidentiality, authentication, integrity and non-repudiation of non-face-to-face banking using the messenger It is desirable to secure.

In addition, when the payment request information includes non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer, the server stores the customer stored in the storage medium 2190. By generating a predetermined OTP code based on the OTP code generation information included in the information, and comparing the generated OTP code and the received OTP code, the validity of the messenger banking customer, and / or the messenger It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (2870), the server generates a payment error result corresponding to payment using the messenger banking (2875), and generates the generated payment error result Generates predetermined payment response information including the transmission to the terminal (2880), and correspondingly, the terminal outputs the payment error result included in the payment response information through the messenger program (2105). (2898)

On the other hand, if the validity of the non-face to face financial transaction authentication information is confirmed (2870), the server through the process shown in Figure 24 and / or 25 through the messenger account information included in the payment request information By reading the messenger member authentication result stored in the server, the validity of the messenger member who transmitted the non-face-to-face financial transaction authentication information is checked (2885).

According to an exemplary embodiment of the present invention, the validity check on the messenger member may include checking whether the messenger linked account is connected to a predetermined mother account in the server, and if the messenger linked account is connected to a predetermined mother account, the server. Through the ledger processing unit 2185, customer communication means (for example, a customer's mobile phone number) corresponding to a customer corresponding to the predetermined mother account is obtained from the customer ledger corresponding to the mother account from the general ledger D / B on the financial system. Check and request the client communication means to approve the messenger banking-based payment using the messenger linked account as a withdrawal account. In this case, if the messenger banking-based payment is approved by the customer communication means, It is desirable to process messenger banking based payment.

For example, when the messenger member is a minor (or a limited amount or a garner) and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the server may execute the ledger processor 2185. Parent (or legal guardian) correspondence from a customer ledger corresponding to the parent account of the messenger member's parent (or legal guardian) from the general ledger D / B on the financial system It is desirable to verify the means (e.g., customer cell phone number) information and to ask the parent (or legal guardian) communication means to approve a messenger banking based payment using the messenger linked account as a withdrawal account, in which case the When the messenger banking-based payment is approved by the parent (or legal guardian) communication means It is preferable to process the messenger banking-based payments.

According to another exemplary embodiment of the present invention, the validity check on the messenger member may be performed by the server to determine whether the messenger linked account is connected to a predetermined mother account, the messenger linked account is connected to a predetermined mother account, When the parent account is also registered as the messenger linked account through the messenger banking information registration system shown in FIGS. 1 and / or 6, the server checks the messenger account information corresponding to the parent account from the storage medium 2190. And requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 2105 corresponding to the messenger account information corresponding to the confirmed mother account, in this case, to the parent account. In the messenger program 2105 corresponding to the corresponding messenger account information. If the banking group IM-based payment approval, it is desirable to process the messenger banking-based payments.

For example, the messenger member is a minor (or a limited amount or a garner), and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 1 and / or 6. When predetermined messenger banking information is registered through the information registration system, the server checks the messenger account information of the parent (or legal guardian) from the storage medium 2190, and checks the messenger account information of the identified parent (or legal guardian). It is preferable to request the messenger program 2105 corresponding to the messenger account information to approve the messenger banking-based payment using the messenger linked account corresponding to the withdrawal account. In this case, the messenger of the parent (or legal guardian) When the messenger banking-based payment is approved in the messenger program 2105 corresponding to the account information. It is desirable to process the messenger banking based payment.

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2890), the server generates a payment error result corresponding to the payment settlement using the messenger banking (2875) and generates Generates predetermined payment response information including the result of the payment error and transmits the generated payment response information to the terminal (2880), and correspondingly, the terminal transmits the payment included in the payment response information through the messenger program 2105. The payment error result is output (2898).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (2890), the server processes a messenger banking-based payment settlement corresponding to the received payment request information (2891).

According to an embodiment of the present invention, the payment related information included in the payment request information includes predetermined payment amount information, withdrawal account information for the payment amount to be withdrawn from the messenger linked account, the withdrawal account password and When the payment amount is made to include the payment account information to be deposited and the at least one deposit bank information opened the deposit account, the server inquires the account ledger corresponding to the withdrawal account information to the withdrawal account It is preferable to confirm whether an amount corresponding to the payment amount is deposited, and / or to check the account ledger corresponding to the withdrawal account information to confirm the validity of the withdrawal account password.

In addition, the server reads the deposit bank information to check whether the wage account is opened in the party equipped with the financial system or the other line, it is preferable, if the deposit account is opened in the bank, It is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system, or when the deposit account is opened in another line, the deposit bank through the financial common network in connection with the financial system. It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the information.

Thereafter, the server calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the payment account, withdrawing the payment amount and the payment fee from the withdrawal account and depositing the payment account. Carry out the ledger processing procedure.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

According to another embodiment of the present invention, the payment fee may be processed in the payment amount, in which case the server withdraws the payment amount from the withdrawal account, and subtracts the payment fee. An amount of money is deposited into the deposit account, and an amount corresponding to the payment fee is deposited to the financial institution mother account (not shown).

If a predetermined error occurs while processing a messenger banking-based payment corresponding to the payment request information (2892), the server generates a payment error result corresponding to the payment using the messenger banking (2875). ) Generates predetermined payment response information including the generated payment error result and transmits the predetermined payment response information to the terminal (2880), and correspondingly, the terminal transmits the payment response information to the payment response information through the messenger program 2105. The result of the payment error included is output (2898).

On the other hand, if messenger banking-based payment settlement corresponding to the payment request information is successfully processed (2892), the server generates predetermined ledger information corresponding to the messenger banking-based payment processing (2893), and FIG. 21. The ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system in association with the financial system shown in FIG.

If a person of ordinary skill in the art of the present invention belongs to, technical features for storing the ledger information generated in response to the messenger banking-based payment processing in the server, and the ledger information in the ledger D / B on the financial system Since it will be familiar with, detailed description thereof will be omitted for convenience.

If ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system (2895), the server generates a payment approval result corresponding to the payment settlement using the messenger banking. And generating (2896) predetermined payment response information including the generated payment approval result and transmitting the generated payment response information to the terminal (2897), and correspondingly, the terminal transmits the payment through the messenger program (2105). The payment approval result included in the response information is output (2898).

29A, 29B and 29C illustrate a payment process using messenger banking according to another exemplary embodiment of the present invention.

More specifically, FIGS. 29A, 29B, and 29C illustrate the payment request server 2150 during the payment processing process shown in FIG. 23 and / or the messenger member authentication process shown in FIGS. 24 and / or 25. When the predetermined payment information is received from the messenger server 2115 to the messenger terminal 2100, a process of processing a payment corresponding to the payment information using messenger banking at the messenger terminal 2100. In more detail, the messenger terminal 2100 illustrated in FIG. 21 includes at least one payment amount, withdrawal account information, withdrawal account password, and predetermined deposit side messenger account information through the messenger program 2105. The present invention relates to a method for processing the messenger banking-based payment based on a user interface for inputting (or selecting) payment related information. Will.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 29a, 29b and 29c to infer various implementation methods for the payment process using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 29A, 29B, and 29C.

Hereinafter, the messenger terminal 2100 shown in FIG. 21 is referred to as a "terminal" for convenience and the messenger banking server 2155 shown in FIG. 21 is referred to as a "server" in FIGS. 29A, 29B, and 29C. .

Referring to FIGS. 29A, 29B, and 29C, the payment request server 2150 may be used during the payment processing process illustrated in FIG. 23 and / or the messenger member authentication process illustrated in FIGS. 24 and / or 25. Alternatively, when predetermined payment information is received from the messenger server 2115 to the messenger terminal 2100 (2900), the terminal performs non-facing through the process shown in FIG. 26 through the messenger program 2105. The financial transaction authentication process confirms whether the non-face-to-face financial transaction authentication information is approved (2905).

If the non-face-to-face financial transaction authentication information is not approved (2910), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (2910), the terminal outputs the non-face-to-face financial transaction authentication-based messenger banking item selection user interface through the messenger program 2105, and the user interface It is checked whether a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected (2915).

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined non-face-to-face financial transaction authentication-based messenger banking item is selected through the user interface (2920), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 2105; (2925)

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 24 and / or 25 is used. May be included, whereby the present invention is not limited.

Thereafter, the terminal transmits the messenger linked account information request information to the server through the messenger program 2105 (2930).

According to the exemplary embodiment of the present invention, the messenger linked account information request information may be transmitted to the server by attaching and / or encrypting a predetermined electronic signature through a messenger banking module 2110 provided in the terminal. Correspondingly, the server decrypts the messenger linked account information request information and confirms the attached electronic signature. If the person has ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features of, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the predetermined messenger linked account information stored in the storage medium 2190 through messenger account information included in the messenger linked account information request information from the storage medium 2190 to determine the messenger linked account. Information is transmitted to the terminal (2935).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 1 and / or 6 is one, or the messenger shown in FIGS. 1 and / or 6 When the messenger linked account information registered through the banking information registration system is included in the messenger program 2105 (or messenger banking module 2110), the terminal requests the messenger linked account information from the terminal, Correspondingly, the process of checking the messenger linked account information in the server and transmitting the information to the terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal selects predetermined withdrawal account information from the received messenger linked account information through the messenger program 2105 and uses the messenger to request a messenger banking-based payment payment to the server. And outputting a payment processing user interface including at least one withdrawal account password and a depositing messenger account information (2940), and the payment amount based on the payment processing user interface through the messenger program (2105). Check whether the payment related information including at least one withdrawal account information, the withdrawal account password, and the depositor's messenger account information is input (2945).

According to an exemplary embodiment of the present invention, the payment-side messenger account information is input through the payment processing user interface or a friend list (eg, buddy list) included in the messenger program 2105. It is preferably selected from.

When the payment messenger account information is selected from a friend list (eg, a buddy list), the messenger program 2105 corresponds to a shopping mall (or a content provider) to receive the payment amount from the friend list. And a user interface for selecting the payment-side messenger account information.

If payment related information including at least one or more of the payment amount, withdrawal account information, withdrawal account password, and depositing messenger account information is input (2950), the terminal receives the messenger account through the messenger program 2105. Generate payment request information including information and payment related information (e.g., payment amount, withdrawal account information, withdrawal account password, and depositor's messenger account information) (2955), and through the messenger program (2105); At least one non-face-to-face financial transaction authentication information is included in the generated payment request information and transmitted to the server (2960).

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the payment request information is preferably transmitted to the server by attaching and / or encrypting a predetermined electronic signature through the messenger banking module 2110 provided in the terminal. Preferably, the server decrypts the payment request information and checks the attached electronic signature. If the person having ordinary knowledge in the technical field to which the present invention belongs, the technical features of the encryption / decryption function and the electronic signature function Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the process of transmitting payment request information to the server through the messenger program 2105 is performed through one communication transaction or through at least two communication transactions. It is possible to all of them, by which the present invention is not limited.

Thereafter, the server verifies the validity of the non-face-to-face financial transaction authentication information included in the payment request information (2965).

According to an embodiment of the present invention, the payment request information includes ID / PW information for messenger banking, and / or authorized certificate information, and / or predetermined security card information issued to the messenger banking customer for non-face-to-face financial transactions. , And / or non-face-to-face financial transaction authentication information including at least one or more OTP codes generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions, is preferably received by the server. In response, the server preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the payment request information.

According to an embodiment of the present invention, when the payment request information includes non-face-to-face financial transaction authentication information including messenger banking ID / PW information, the server receives the received messenger banking ID / PW information and the information. By comparing the messenger banking ID / PW information included in the customer information stored in the storage medium 2190, the validity of the messenger banking customer and / or the confidentiality, authentication, and integrity of the non-face-to-face banking using the messenger. And non-repudiation.

In addition, the payment request information includes information encrypted through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in an authentication certificate included in the messenger terminal 2100. When the non-face-to-face financial transaction authentication information is included and received, the server decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is desirable to ensure validity, and / or confidentiality, authentication, integrity, and nonrepudiation for non-face-to-face banking using the messenger.

In addition, when the payment request information includes non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer, the server may receive the received security card information. By comparing the security card information included in the customer information stored in the storage medium 2190, the validity of the messenger banking customer, and / or the confidentiality, authentication, integrity and non-repudiation of non-face-to-face banking using the messenger It is desirable to secure.

In addition, when the payment request information includes non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer, the server stores the customer stored in the storage medium 2190. By generating a predetermined OTP code based on the OTP code generation information included in the information, and comparing the generated OTP code and the received OTP code, the validity of the messenger banking customer, and / or the messenger It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (2970), the server generates a payment error result corresponding to the payment using the messenger banking (2975), and the generated payment error result Produces predetermined payment response information including a transmission to the terminal (2980), and correspondingly, the terminal outputs the payment error result included in the payment response information through the messenger program (2105). (2998).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (2970), the server performs the process shown in FIGS. 24 and / or 25 through the messenger account information included in the payment request information. By reading the messenger member authentication result stored in the server, the validity of the messenger member who transmitted the non-face-to-face financial transaction authentication information is checked (2981).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2982), the server generates a payment error result corresponding to the payment using the messenger banking (2975) and generates Generates predetermined payment response information including the result of the payment error and transmits the generated payment response information to the terminal (2980), and correspondingly, the terminal transmits the payment included in the payment response information through the messenger program 2105. The payment error result is output (2998).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (2982), the server corresponds to a messenger corresponding to the payment-side messenger account information included in the payment related information from the storage medium 2190. The payment side messenger linked account information for the member is extracted (2983).

At this time, the server checks whether a plurality of payment-side messenger association account information extracted from the storage medium 2190 is extracted (2984), and if the predetermined payment-side messenger association account information is extracted from the storage medium 2190. The server automatically selects the extracted predetermined payment-side messenger linked account information as the payment account for the messenger banking-based payment (2986).

On the other hand, when a plurality of payment-side messenger association account information is extracted from the storage medium 2190 (2985), the server transmits the plurality of payment-side messenger association account information to the terminal, thereby providing the plurality of payment-side messenger association accounts. The user requests to select a predetermined deposit account for the messenger banking-based payment among information (2987), and in response, the terminal selects a predetermined deposit account for the predetermined messenger banking-based payment from among the plurality of payment-side messenger linked account information. A deposit account is selected and sent to the server (2988).

As described above, when predetermined deposit account information for messenger banking-based payment is selected (or received from the terminal) and / or the deposit account is automatically selected, the server checks the validity of the deposit account information ( 2989).

According to an exemplary embodiment of the present invention, the validity check on the deposit account information may include checking whether the messenger linked account is connected to a predetermined mother account in the server, and when the messenger linked account is connected to a predetermined mother account, the server. Checks the customer communication means (e.g., customer cell phone number) corresponding to the customer corresponding to the predetermined mother account from the customer ledger corresponding to the mother account from the ledger D / B on the financial system through the ledger processor 2185; And requesting the customer communication means to approve the messenger banking-based payment using the messenger linked account as a withdrawal account. In this case, when the messenger banking-based payment is approved by the customer communication means, the messenger It is desirable to process banking based payments.

For example, when the messenger member is a minor (or a limited amount or a garner) and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the server may execute the ledger processor 2185. Parent (or legal guardian) correspondence from a customer ledger corresponding to the parent account of the messenger member's parent (or legal guardian) from the general ledger D / B on the financial system It is desirable to verify the means (e.g., customer cell phone number) information and to ask the parent (or legal guardian) communication means to approve a messenger banking based payment using the messenger linked account as a withdrawal account, in which case the When the messenger banking-based payment is approved by the parent (or legal guardian) communication means It is preferable to process the messenger banking-based payments.

According to another exemplary embodiment of the present invention, validation of the deposit account information may be performed by the server to determine whether the messenger linked account is connected to a predetermined mother account, the messenger linked account is connected to a predetermined mother account, When the parent account is also registered as the messenger linked account through the messenger banking information registration system shown in FIGS. 1 and / or 6, the server checks the messenger account information corresponding to the parent account from the storage medium 2190. And requesting a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 2105 corresponding to the messenger account information corresponding to the confirmed mother account, in this case, to the parent account. In the messenger program 2105 corresponding to the corresponding messenger account information. If the messenger banking-based payment is approved, it is preferable to process the messenger banking-based payment.

For example, the messenger member is a minor (or a limited amount or a garner), and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 1 and / or 6. When predetermined messenger banking information is registered through the information registration system, the server checks the messenger account information of the parent (or legal guardian) from the storage medium 2190, and checks the messenger account information of the identified parent (or legal guardian). It is preferable to request a messenger banking-based payment using a messenger linked account corresponding to the withdrawal account to the messenger program 2105 corresponding to the messenger account information, in which case the messenger account of the parent (or legal guardian). If the messenger banking-based payment is approved in the messenger program 2105 corresponding to the information, It is desirable to process the messenger banking based payment.

If the validity of the deposit account is not confirmed (2990), the server generates a payment error result corresponding to the payment using the messenger banking (2975), and includes a predetermined result including the generated payment error result Generate and send payment response information to the terminal (2980), and in response, the terminal outputs the payment error result included in the payment response information through the messenger program (2105) (2998). .

On the other hand, when the validity of the deposit account is confirmed (2990), the server processes the payment account information of the payment-side messenger account information of the payment related information to the payment account information to process the messenger banking-based payment (2991).

According to an embodiment of the present invention, the payment related information included in the payment request information includes predetermined payment amount information, withdrawal account information for the payment amount to be withdrawn from the messenger linked account, the withdrawal account password and And at least one depositing messenger account information corresponding to a shopping mall (or a content provider) to receive the payment amount, the server may be connected to the storage medium 2190 and the deposit messenger account information. The depositor messenger linked account information which is stored by link processing is extracted.

If at least two extracted payment-side messenger association accounts are included (or if no deposit account is specified among at least two payment-side messenger association accounts), the server may extract the extracted messenger terminal 2100 to the messenger terminal 2100. Providing the payment-side messenger linked account information, requesting to select a predetermined payment-side messenger linked account to which the payment amount is to be deposited, and the selected payment-side messenger from the messenger terminal 2100 through the information receiving unit 2170. Receive linked account information.

At this time, since the received payment-side messenger linked account information will be a financial account opened in the bank, it is preferable that the server checks whether a financial account corresponding to the deposit account information is opened in connection with the financial system. .

In addition, when the server comprises at least one or more deposit account information to be the payment amount and the deposit bank information is opened, the server queries the account ledger corresponding to the withdrawal account information It is preferable to confirm whether an amount corresponding to the payment amount is deposited in the withdrawal account, and / or to check the account ledger corresponding to the withdrawal account information to confirm the validity of the withdrawal account password. .

Thereafter, the server calculates a predetermined payment fee for withdrawing the payment amount from the withdrawal account and depositing it into the payment account, withdrawing the payment amount and the payment fee from the withdrawal account and depositing the payment account. Carry out the ledger processing procedure.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger process of withdrawing the payment amount and payment fee from the withdrawal account and depositing it into the deposit account. Detailed description thereof will be omitted for convenience.

According to another embodiment of the present invention, the payment fee may be processed in the payment amount, in which case the server withdraws the payment amount from the withdrawal account, and subtracts the payment fee. An amount of money is deposited into the deposit account, and an amount corresponding to the payment fee is deposited to the financial institution mother account (not shown).

If a predetermined error occurs while processing the messenger banking-based payment corresponding to the payment request information (2992), the server generates a payment error result corresponding to the payment using the messenger banking (2975). ) Generates predetermined payment response information including the generated payment error result and transmits the predetermined payment response information to the terminal (2980); correspondingly, the terminal transmits the payment response information to the payment response information through the messenger program 2105. The included payment error result is output (2998).

On the other hand, if the messenger banking-based payment settlement corresponding to the payment request information is successfully processed (2992), the server generates predetermined ledger information corresponding to the messenger banking-based payment processing (2993), and the figure 21 The ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system in association with the financial system shown in FIG.

If a person of ordinary skill in the art of the present invention belongs to, technical features for storing the ledger information generated in response to the messenger banking-based payment processing in the server, and the ledger information in the ledger D / B on the financial system Since it will be familiar with, detailed description thereof will be omitted for convenience.

If the ledger information generated in response to the messenger banking-based payment processing is stored in the ledger D / B on the financial system (2995), the server generates a payment approval result corresponding to the payment settlement using the messenger banking. And (2996) generates and transmits predetermined payment response information including the generated payment approval result to the terminal (2997), and correspondingly, the terminal transmits the payment through the messenger program 2105; The payment approval result included in the response information is output (2998).

According to the present invention, when a messenger member logs in to a messenger server through a messenger program, by providing a messenger member authentication result of the messenger server to a messenger banking server, the messenger banking customer can be easily authenticated to perform non-face-to-face messenger banking. There is an advantage of providing a payment service through.

According to the present invention, by fusing messenger member authentication of the messenger server and messenger-based non-face-to-face financial transaction authentication, a payment service through non-face-to-face messenger banking is provided based on high security using the messenger. There is an advantage.

Claims (5)

Storing, at a financial institution server, a messenger account information of a messenger banking customer, messenger linked account information, and non-face-to-face financial transaction authentication information in a storage medium-the head of a financial institution; Receive messenger information—messenger type, or messenger server information—and messenger account information of the customer from a terminal used by the customer in a payment request server on a communication network, and receive the payment from the received messenger account information and the payment request server to the customer Generating payment information including at least one payment information, a payment account information to which the payment amount is to be deposited, and information about a payment bank at which the payment account is opened, and transmitting the payment information to a messenger server corresponding to the messenger information; Receiving the payment information at the messenger server; The messenger server checks whether a messenger member corresponding to the messenger account information included in the payment information is logged in, and if the messenger member has logged in, transmits the payment information to the messenger terminal to which the messenger member has logged in. And if the messenger member has not logged in, confirming the payment information in association with the messenger member information and storing the payment information in the member information D / B; When a messenger member corresponding to the messenger account information logs in to the messenger server through a messenger terminal, the messenger server transmits and outputs the payment information to the messenger terminal, and the payment amount included in the payment information is displayed. Processing a user interface for inputting withdrawal account information to be withdrawn and non-face-to-face financial transaction authentication information for the withdrawal account; Inputting the withdrawal account information and the non-face-to-face financial transaction authentication information through the user interface in the messenger terminal, and including the messenger account information, the inputted withdrawal account information, the non-face-to-face financial transaction authentication information, and the payment information; Receiving and generating payment request information at the financial institution server when generating and transmitting payment request information; The financial company server compares the messenger account information included in the payment request information with the messenger account information stored in the storage medium in association with the storage medium (or a storage medium operating means) to authenticate the validity of the messenger banking customer, and Comparing the withdrawal account information included in the payment request information and the non-face-to-face financial transaction authentication information with the messenger linked account information and the non-face-to-face financial transaction authentication information stored in the storage medium to authenticate the validity of the payment using the messenger banking; step; And And if the messenger banking customer validity and payment validity are authenticated, withdrawing the payment amount included in the payment information from the withdrawal account at the financial company server and transferring the payment amount to the deposit account for payment processing. Payment method using a messenger, characterized in that. Storing, at a financial institution server, a messenger account information of a messenger banking customer, messenger linked account information, and non-face-to-face financial transaction authentication information in a storage medium-the head of a financial institution; A messenger corresponding to the messenger account information by receiving a messenger information-messenger type, or messenger server information- and messenger account information of the customer from a terminal used by the customer at a payment request server, and in connection with a messenger server corresponding to the messenger information; Checking whether the member is logged in; If the messenger member is logged in, the payment request server requests payment information from the payment request server, payment account information to which the payment amount is to be deposited, and information about a bank to which the payment account is opened. Generates payment information including the above information and transmits it to the messenger terminal to which the messenger member logs in, and withdraws account information to which the payment amount included in the payment information is withdrawn and non-face-to-face financial transaction authentication information for the withdrawal account. Processing the input user interface to be output; Inputting the withdrawal account information and the non-face-to-face financial transaction authentication information through the user interface in the messenger terminal, and including the messenger account information, the inputted withdrawal account information, the non-face-to-face financial transaction authentication information, and the payment information; Receiving and generating payment request information at the financial institution server when generating and transmitting payment request information; The financial company server compares the messenger account information included in the payment request information with the messenger account information stored in the storage medium in association with the storage medium (or a storage medium operating means) to authenticate the validity of the messenger banking customer, and Comparing the withdrawal account information included in the payment request information and the non-face-to-face financial transaction authentication information with the messenger linked account information and the non-face-to-face financial transaction authentication information stored in the storage medium to authenticate validity of the payment using the messenger banking; step; And And if the messenger banking customer validity and payment validity are authenticated, withdrawing the payment amount included in the payment information from the withdrawal account at the financial company server and transferring the payment amount to the deposit account for payment processing. Payment method using a messenger, characterized in that. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1 or 2. Means for confirming a messenger account of a second customer connected to the messenger account of the first customer when a payment processing request is made for a messenger account of the first customer; And Sending payment information including the messenger account information and the payment amount of the first customer to the confirmed second customer's messenger, and using the account of the customer connected to the messenger account of the second customer Means for performing a payment processing for the payment system using a messenger comprising a. Means for receiving payment request information including the client's messenger account information, payment amount and payment information-payment messenger account information, or payment account information; And And means for performing a payment processing on the payment amount to the payment object by using the account of the customer connected to the messenger account information of the customer.

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