KR100861498B1 - Method for Managing Escrow Account - Google Patents

Abstract

The present invention relates to a method, a system for managing an escrow account, and a program recording medium, wherein the product receipt information of the product purchase customer is transferred from a product sales server to a server (or a relay server connected to the server) that manages the escrow account of the product purchase customer. Transmitting, confirming whether the escrow account management server receives the goods from the escrow account and / or transmitting a payment transfer approval request message (or data) for the goods, and escrow at the customer wireless terminal. Confirming the receipt of goods and / or transmitting payment transfer approval information for the goods to an account management server and the goods from the escrow account of the customer based on the information transmitted from the wireless terminal by the escrow account management server; After you withdraw your payment for And transferring the withdrawn money to the merchandise sales server or merchandise seller account.

Escrow, account

Description

{Method for Managing Escrow Account}

1 is a diagram illustrating an internet shopping system for providing a ledger-based escrow service according to an embodiment of the present invention.

2A, 2B and 2C are diagrams illustrating an internet shopping process for providing a ledger-based escrow service according to an embodiment of the present invention.

3A, 3B, and 3C are diagrams illustrating an internet shopping process for providing a ledger-based escrow service according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a wireless banking system for immediately processing a virtual account escrow payment through a wireless terminal according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a wireless terminal function configuration for immediately processing a virtual account escrow payment through a wireless terminal according to one embodiment of the present invention.

6 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to an embodiment of the present invention.

7 is a diagram illustrating a wireless message structure sent by a wireless messaging system according to an embodiment of the present invention.

8A and 8B illustrate a process of immediately processing a virtual account escrow payment through a wireless terminal according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of a customer ledger stored in the ledger D / B to provide a ledger-based escrow service according to an embodiment of the present invention.

10 is a diagram illustrating a wireless banking system for immediately processing a virtual account escrow payment through a wireless terminal according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a wireless terminal function configuration for immediately processing a virtual account escrow payment through a wireless terminal according to another embodiment of the present invention.

12 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to another exemplary embodiment of the present invention.

13 illustrates a wireless message structure sent by a wireless messaging system in accordance with an embodiment of the present invention.

14A, 14B, and 14C illustrate a process of immediately processing a virtual account escrow payment through a wireless terminal according to another exemplary embodiment of the present invention.

FIG. 15 is a diagram illustrating a configuration of a customer ledger stored in the ledger D / B to provide a ledger-based escrow service according to another embodiment of the present invention.

16A and 16B illustrate a product receipt confirmation and payment settlement process for providing a ledger-based escrow service according to an embodiment of the present invention.

17A and 17B illustrate a product receipt confirmation and payment settlement process for providing a ledger-based escrow service according to another embodiment of the present invention.

<Description of main parts of drawing>

100: Internet shopping server 105: Web interface unit

110: web page operation unit 115: interface providing unit

120: information receiving unit 125: payment processing unit

130: DBMS 135: client terminal

400: wireless banking server 405: interface unit

410: information receiving unit 415: banking processing unit

420: information transmission unit 425: information processing server

430: information processing unit 435: message transmission unit

440: message generating unit 445: information extraction unit

450: product delivery confirmation unit 455: wireless terminal

505: control unit 510: screen output unit

515: sound processing unit 520: key input unit

525: battery 530: wireless processing unit

535: short-range communication unit 540: short-range device

560: camera unit 565: camera

570: memory unit 575: message receiving unit

580: Message processing unit 585: Wireless banking unit

1000: wireless banking server 1005: interface unit

1010: information receiving unit 1015: information storage unit

1020: information receiving unit 1025: information processing server

1030: information processing unit 1035: message transmission unit

1040: message generating unit 1045: information extraction unit

1050: product delivery confirmation unit 1105: control unit

1110: screen output unit 1115: sound processor

1120: key input 1125: battery

1130: wireless processing unit 1135: short-range communication unit

1140: near field device 1150: IC chip reader unit

1155 IC chip 1160 camera unit

1165 camera 1170 message receiving unit

1175: message processing unit 1180: wireless banking unit

1185 memory

The present invention relates to a wireless banking system for providing a virtual machine (VM) -based wireless banking service that immediately processes the virtual account escrow payment through a wireless terminal on an internet shopping system.

The Internet shopping mall establishes an Internet shopping server that sells at least one or more products online in a non-face-to-face manner, and checks the amount of payment for the sold products by credit card payment means and checks in connection with a predetermined payment system. Check Card Payment Method, Debit Card Payment Method, Prepaid Card Payment Method, Electronic Wallet Payment Method, Electronic Bankbook Payment Method, Bank Transfer (or Virtual Account) ) Payment through at least one customer payment method of the payment means.

Among the payment methods, the virtual account payment method provides an escrow service than other payment methods, so that customers and sellers of goods (or Internet shopping malls) can mutually trust each other, thereby emerging as a popular payment method. .

However, some Internet shopping malls include a problem that the escrow service is impaired by the customer by processing the purchase price at the same time as the receipt of the purchase product to the product seller (or the internet shopping mall).

An object of the present invention, the information receiving means for receiving the product receipt information of the customer who purchases the goods in the product sales server, and confirms the receipt of the goods to the customer wireless terminal and / or payment payment approval for the goods Information transmitting means for transmitting a request message (or data) and information received from the wireless terminal upon confirmation of receipt of goods and / or payment transfer approval information for the goods from the customer's wireless terminal to the escrow account management server. And escrow account management system including escrow account management means for withdrawing the payment for the product from the escrow account of the customer, and transferring the withdrawn amount to the merchandise sales server or a merchandise seller account. And providing a method.

The escrow account management method according to the present invention comprises the steps of: transmitting goods receipt information of the goods purchase customer from a goods sales server to a server (or a relay server connected to the server managing the escrow account of the goods purchase customer); Confirming whether the goods are received by the escrow account management server to the customer wireless terminal and / or transmitting a payment transfer approval request message (or data) for the goods; Confirming receipt of goods and / or transmitting payment transfer approval information for the goods from the customer wireless terminal to the escrow account management server; And withdraw the payment for the product from the escrow account of the customer based on the information transmitted from the wireless terminal by the escrow account management server, and then transfer the withdrawn amount to the product sales server or the product seller account. Transfer processing step; characterized in that comprises a.

According to the invention, the escrow account is characterized in that the virtual account.

On the other hand, the present invention includes a recording medium characterized in that the program for executing the above-described escrow account management method is recorded.

On the other hand, escrow account management system according to the present invention, information receiving means for receiving the product receipt information of the product purchase customer from the product sales server; Information transmitting means for checking whether the goods are received and / or transmitting a payment transfer approval request message (or data) for the goods to the customer wireless terminal; And confirming receipt of goods and / or payment transfer approval information for the goods from the customer's wireless terminal, based on the information transmitted from the wireless terminal, from the escrow account of the customer. After the withdrawal of the payment for the product, escrow account management means for transferring the withdrawal amount to the product sales server or product seller account; characterized in that it comprises a.

According to the present invention, the information transmission means, confirm receipt of the goods and / or confirmation of receipt of goods from the wireless terminal and / or payment for the goods on the payment transfer approval request message (or data) for the goods It is characterized by including a predetermined callback UEL for receiving the transfer payment approval information.

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 based on the contents throughout the present title.

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 omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating an internet shopping system for providing a ledger-based escrow service according to an embodiment of the present invention.

In more detail, in FIG. 1, when the client terminal 135 having at least one web browser program accesses a predetermined Internet shopping server 100 using a Hyper-Text Transfer Protocol (HTTP), the Internet shopping server ( 100 to provide at least one product sales information to the client terminal 135 through a predetermined web page, and the client terminal 135 to process the purchase and payment of at least one product based on the product sales information. A system configuration for providing an Internet shopping service, specifically, when paying a virtual account escrow provided on an internet shopping system, payment of the latest customer wireless terminal information corresponding to a wireless terminal currently used by the customer is settled in the virtual account escrow. To record in ledgers on financial systems that process The configuration is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for constructing an internet shopping system for providing a ledger-based escrow service. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an internet shopping system for providing a ledger-based escrow service according to the present invention includes at least one or more web browser programs and is connected to at least one network means. Is connected to the client terminal 135 and the client terminal 135 through the network means, and when the client terminal 135 is connected through the network means, at least one or more product sales information and / or a predetermined web page; Or providing the product selling interface, or payment information and / or payment interface to the client terminal 135, and providing the product selling information and / or product selling interface, or payment information and / or payment interface. Sell and settle at least one product with 135 Including Internet shopping server 100, which is characterized in that formed.

The client terminal 135 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). And at least one wired terminal including a desktop computer and / or a laptop connected to the internet shopping server 100 through communication. The client terminal 135 includes the internet shopping server 100. Output at least one or more product sales information and / or product sales interface, or payment information and / or payment interface provided by the, through the product sales information and / or product sales interface, or payment information and / or payment interface The ability to purchase at least one product corresponding to the product sales information in a non-face-to-face transaction method It is provided with a property (e.g., a web browser program) is preferred.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 135 corresponding to at least one or more wired terminals, so a detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means preferably comprises the TCP / IP based wired network.

According to an embodiment of the present invention, the internet shopping server 100 includes at least one web page source and / or digital content for providing a predetermined web service for internet shopping to at least one or more client terminals 135. A database for storing web operation data, a database for storing internet shopping information including at least one product sale information to be sold to a customer corresponding to the client terminal 135 through a predetermined internet shopping procedure, and the like. Data management system (Database Management System; DBMS 130), or interoperate with the data server provided with the DBMS 130, thereby providing a predetermined Internet to at least one or more of the client terminal (135) Shopping service is provided.

According to an embodiment of the present invention, the internet shopping server 100 communicates with the client terminal 135 through the network means in order to provide a web interface corresponding to the client terminal 135 and the network means. And a web interface unit 105 for connecting and managing channels, whereby the Internet shopping server 100 is communicatively connected to the client terminal 135 through a wired network and / or a wireless network. It has the function of a web server.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the web interface unit 105 may communicate with the client terminal 135 and HTTP. Connect a predetermined communication channel based on the Hyper-Text Transfer Protocol protocol, and sell the product information and / or goods in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 135 through the communication channel. Sends and outputs a sales interface, or payment information and / or a payment interface, and inputs (or selects) the merchandise sales information and / or product sales interface, or payment information and / or payment interface from the client terminal 135. It is preferable to perform a function of receiving and processing the predetermined purchase target product information and / or payment means selection information.

Referring to FIG. 1, when the client terminal 135 accesses the internet shopping server 100 through the web interface 105, the internet shopping server 100 and Web page operating unit 110 for operating a web page to be provided to at least one or more of the client terminal 135 in conjunction with the DBMS 130, and the client terminal 135 in conjunction with the web page operating unit 110 Interface providing unit 115 for generating (or extracting) predetermined product selling information and / or product selling interface for inputting (or selecting) predetermined product to be purchased and transmitting it to the client terminal 135. ), And a purchase object that is input (or selected) and transmitted from the client terminal 135 through the product selling information and / or the product selling interface in cooperation with the web interface unit 105. Characterized in that it comprises an information receiving unit 120 for receiving product information.

According to the present invention, when the purchase target product information is received from the client terminal 135 through the information receiving unit 120, the interface providing unit 115 works in conjunction with the webpage operation unit 110 to provide the client. The terminal 135 generates (or extracts) predetermined payment information and / or payment interface for inputting (or selecting) predetermined payment means selection information and providing the same to the client terminal 135. In addition, the information receiving unit 120 is characterized in that for receiving the payment means selection information transmitted (or selected) by the client terminal 135 through the payment interface.

According to the present invention, when the payment method selection information is received from the client terminal 135 through the information receiving unit 120, the Internet shopping server 100 at least one payment corresponding to the payment method selection information. It is characterized in that it further comprises a payment processing unit 125 to perform the payment processing for the product to be purchased in conjunction with the system.

The webpage operation unit 110 may include at least one webpage source (eg, a web page source based on Hyper-Text Markup Language (HTML)) provided in the DBMS 130 corresponding to the web server application field. At least one predetermined web page (eg, HTM / HTML / ASP / XML, etc.) to be provided to the at least one or more client terminals 135 using digital content (eg, text content, image content, sound content, multimedia content, etc.). And a web document including the above, wherein the generated web page is provided to at least one or more client terminals 135 through the web interface unit 105.

The interface providing unit 115 is at least one or more at least one or more provided to the DBMS 130 when a predetermined client terminal 135 is connected to the Internet shopping server 100 through the web interface unit 105 Extracting product sales information, including the extracted at least one product sales information in conjunction with the web page operation unit 110, at least one or more of the products included in the product sales information in the client terminal 135 Generating a predetermined web page including a merchandise sales interface for inputting (or selecting) a product to be purchased; at least one requesting the web interface unit 105 for the web page generated through the network means; The above is provided to the client terminal 135.

Those skilled in the art to which the present invention pertains may include information on each item sale corresponding to at least one or more Internet shopping methods (eg, online sale, auction / reverse auction, etc.) and the product sale information. Since you will be familiar with various embodiments of a merchandise sales interface for inputting (or selecting) at least one product to be purchased, various embodiments thereof will be omitted for convenience, and the Internet shopping method of the present invention is described herein. It includes all kinds of internet shopping methods that can be inferred by those skilled in the art.

The client terminal 135 receiving the at least one web page including the merchandise sales information and the merchandise sales interface, inputs (or selects) at least one or more purchase target products through the merchandise sales interface, and inputs (or Transmits the selected purchase target product information to the internet shopping server 100.

The information receiver 120 receives at least one item of purchase target product information from the client terminal 135, and receives the at least one item of purchase target product information from the client terminal 135. To provide.

When at least one item of purchase product information is received from the client terminal 135 through the information receiving unit 120, the interface providing unit 115 displays at least one item of product information corresponding to the item of purchase and a payment amount. Extract payment information that includes (or confirm), including the payment information extracted (or confirmed) in conjunction with the web page operation unit 110, the payment included in the payment information in the client terminal 135 And generating a predetermined web page including a payment interface for selecting a predetermined payment means for processing an amount of money, wherein the generated web page is generated through the network means. ) Is provided to the requested at least one client terminal 135.

The client terminal 135 receiving the at least one web page including the payment information and the payment interface inputs predetermined payment means selection information for processing a payment amount included in the payment information through the payment interface. (Or selection) and transmits the input (or selection) of the purchase target payment means selection information to the internet shopping server 100.

The information receiving unit 120 receives at least one payment method selection information from the client terminal 135 when the information is transmitted, and provides the received payment method selection information to the payment processing unit 125. .

According to an embodiment of the present invention, the payment method selection information may include credit card payment method selection information, check card payment method selection information, debit card payment method selection information, and prepaid card ( Prepaid Card) Select at least one payment method among payment method selection information, electronic wallet payment method selection information, electronic bankbook payment method selection information, bank transfer payment method information, and virtual account payment method selection information. It is preferable that the information is included.

When payment method selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 determines whether the received payment method selection information is the virtual account escrow payment method selection information, or other information. Payment method selection information (e.g., credit card payment method selection information, check card payment method selection information, debit card payment method selection information, prepaid card payment method selection information, electronic wallet payment method selection information, electronic bank account payment method selection information, account Check the payment method selection information).

According to an embodiment of the present invention, if the received payment method selection information is not the virtual account escrow payment method selection information (for example, the received payment method selection information is credit card payment method selection information or check card payment method selection). Information, or debit card payment method selection information, or prepaid card payment method selection information, or electronic wallet payment method selection information, or electronic bank payment means, or bank transfer payment means), the payment processing unit 125 ) Performs a non-face-to-face payment procedure for the product to be purchased in association with at least one payment system corresponding to the received payment means selection information.

When the credit card payment means selection information is received from the client terminal 135 through the information receiving unit 120 according to an embodiment of the present invention, the payment processing unit 125 pays the credit card through a predetermined communication means. It is preferable to perform a credit card-based non-face-to-face payment procedure using the customer credit card in conjunction with a credit card payment system (eg, a secure payment based credit card payment system or a secure click-based credit card payment system) corresponding to the means. .

According to another embodiment of the present invention, when the check card payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 through the predetermined communication means the check card It is preferable to perform a check card-based non-face-to-face payment procedure using the customer check card in conjunction with a check card payment system corresponding to a payment method (for example, a secure payment based check card payment system or a secure click based check card payment system). Do.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 receives the debit through a predetermined communication means. It is preferable to perform a debit card-based non-face-to-face payment procedure using the customer debit card in conjunction with a debit card payment system (eg, a financial system provided in a debit card issuing bank) corresponding to a card payment means.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 prepays through a predetermined communication means. It is preferable to perform a prepaid card-based non-face-to-face payment procedure using the customer prepaid card in conjunction with a prepaid card payment system corresponding to a card payment means (for example, a token operating system charged in a prepaid card).

According to another embodiment of the present invention, when the electronic wallet payment means selection information is received from the client terminal 135 via the information receiving unit 120, the payment processing unit 125 via the electronic means through the predetermined communication means It is preferable to perform an electronic wallet-based non-face-to-face payment procedure using the customer's electronic wallet in conjunction with an electronic wallet payment system corresponding to the wallet payment means (eg, the civil service system charged in the electronic wallet).

According to another embodiment of the present invention, when the electronic wallet payment means selection information is received from the client terminal 135 via the information receiving unit 120, the payment processing unit 125 via the electronic means through the predetermined communication means It is preferable to perform an electronic bankbook based non-face-to-face payment procedure using the customer electronic bankbook in conjunction with an electronic bankbook payment system corresponding to the bankbook payment means (eg, a financial system in which a financial account corresponding to the electronic bankbook is opened).

According to another exemplary embodiment of the present invention, when the account transfer payment means selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 transfers the account through a predetermined communication means. It is preferable to perform an account transfer-based non-face-to-face payment procedure using the account transfer in conjunction with an account transfer payment system corresponding to a transfer payment means (for example, a financial system in which at least one financial account is opened corresponding to the account transfer). .

According to another embodiment of the present invention, when the virtual account escrow payment method selection information is received from the client terminal 135 through the information receiving unit 120, the payment processing unit 125 through the predetermined communication means Perform a virtual account based non-face-to-face payment procedure using the virtual account in conjunction with a virtual account escrow payment system corresponding to a virtual account escrow payment method (eg, a financial system in which at least one virtual account corresponding to the virtual account is opened). It is desirable to.

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid At least one of Prepaid Card payment method selection information, Electronic Wallet payment method selection information, Electronic Bankbook payment method selection information, bank transfer payment method selection information, virtual account escrow payment method selection information You will be familiar with the technical features of the payment system corresponding to the above payment means and the non-face-to-face payment procedure using the payment system, and a detailed description thereof will be omitted for convenience.

When the payment processing unit 125 performs a non-face-to-face payment procedure for the product to be purchased in cooperation with at least one payment system, and the non-face-to-face payment procedure is normally processed, the internet shopping server 100 The goods purchased by the customer are delivered to the customer based on a delivery system (not shown).

When the payment method selection information received through the information receiving unit 120 according to the present invention corresponds to the virtual account escrow payment method selection information, the interface providing unit 115 is linked with the web page operation unit 110 And generate (or extract) a payment interface for inputting (or selecting) and transmitting the customer wireless terminal information to the client terminal 135, and the information receiving unit 120 provides the client terminal 135. ) Receives the customer wireless terminal information transmitted by inputting (or selecting) through the payment interface.

Here, the customer wireless terminal information includes at least one or more of the customer's mobile phone number currently used by the customer, and / or unique information on the mobile Internet terminal and / or unique information on the WLAN terminal currently used by the customer. It is preferable to make.

According to an embodiment of the present invention, in providing a payment interface for receiving the customer wireless terminal information to the client terminal 135, the interface providing unit 115 corresponds to a virtual account escrow corresponding to the payment means selection information. Whether the payment is to be processed through a predetermined wireless terminal (e.g., a customer wireless terminal with a virtual machine (VM) based wireless banking function, and / or a customer wireless terminal with an integrated circuit (IC) chip based wireless banking function). Preferably, the requesting user interface is further provided in the payment interface, and the wireless receiver selection information that the information receiver 120 inputs (or selects) through the payment interface is transmitted from the client terminal 135. Characterized in that it receives.

Here, the wireless payment selection information may be a predetermined wireless terminal (for example, VM-based wireless banking) for virtual account escrow payment corresponding to the payment method selection information (for example, virtual account escrow payment method selection information) in the client terminal 135. And a customer wireless terminal having a function, and / or a customer wireless terminal having a financial IC chip-based wireless banking function).

According to an embodiment of the present invention, a virtual terminal escrow payment corresponding to the payment means selection information (for example, virtual account escrow payment method selection information) is added to the wireless payment selection information. The customer wireless terminal, and / or customer wireless terminal equipped with a financial IC chip-based wireless banking function) information that refuses to process (or disagrees) is included, the payment processing unit 125 And a non-face-to-face payment procedure for the product to be purchased in association with at least one payment system corresponding to the received payment means selection information.

According to one embodiment of the invention, the payment processing unit 125 is a virtual account escrow payment system corresponding to the virtual account escrow payment means through a predetermined communication means (eg, at least one virtual account corresponding to the virtual account) It is preferable to perform a virtual account-based non-face-to-face payment procedure using the virtual account in conjunction with the financial system established.

According to another exemplary embodiment of the present invention, a virtual terminal escrow payment corresponding to the payment means selection information (for example, virtual account escrow payment method selection information) is added to the wireless payment selection information. And the customer agrees to process through a customer wireless terminal with a function and / or a customer wireless terminal with a financial IC chip-based wireless banking function), the payment processing unit 125 is a predetermined wireless message system. (E.g., a system for sending a predetermined wireless message in a web-to-phone manner) in conjunction with the customer payment means (e.g., a customer wireless terminal with a VM-based wireless banking function, and / or a financial IC chip) A predetermined wireless message (for example, a Short Message Servi) that includes predetermined wireless payment request information as a customer wireless terminal equipped with a base wireless banking function. ce; SMS) and / or multimedia message service (MMS), etc.).

Here, when the wireless payment selection information includes information agreeing to process the virtual account escrow payment corresponding to the payment means selection information through a predetermined wireless terminal, the wireless payment selection information may be transmitted. Preferably, the wireless terminal information corresponding to the customer wireless terminal (eg, wireless terminal telephone number) is further included and received, and the wireless terminal information is extracted from a predetermined database (eg, member information D / B, not shown). In this case, the radio terminal information may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the wireless payment request information is a payment process corresponding to the virtual account escrow payment means of the wireless terminal of the customer (for example, a customer wireless terminal with a VM-based wireless banking function, and / or financial) It is preferable to include the message information (for example, "Do you want to pay for your purchase?") Requested through the IC chip-based wireless banking function equipped with a customer wireless terminal.

In addition, the wireless payment request information is a wireless payment provided in the wireless terminal of the customer (for example, a customer wireless terminal with a VM-based wireless banking function, and / or a customer wireless terminal with a financial IC chip-based wireless banking function). It is preferable to further include information for driving a program, wherein the information for driving the wireless payment program is preferably defined through a teleservice ID corresponding to the wireless message.

In addition, the wireless payment request information is a wireless payment provided in the wireless terminal of the customer (for example, a customer wireless terminal with a VM-based wireless banking function, and / or a customer wireless terminal with a financial IC chip-based wireless banking function). Preferably, the program further includes payment information required for payment processing, wherein the payment information required for payment processing in the wireless payment program includes payment amount information and account information to which the payment amount is to be deposited (eg, product seller finance). Account information, and / or virtual account information for payment).

According to an embodiment of the present invention, when the wireless payment program is driven in the wireless terminal, the payment amount information and the account information to which the payment amount is to be deposited (for example, product seller financial account information, and / or virtual account for payment). Information, etc.) is automatically input to the wireless payment interface of the wireless payment program (Auto-Filling).

Upon receiving the wireless message, the customer wireless terminal outputs message information included in the wireless payment request information (eg, “Do you want to pay for the purchased product?”) On the wireless terminal screen.

Then, when the message information is confirmed (for example, when the "confirmation" button is clicked through the key input means provided in the wireless terminal), the customer wireless terminal receives the wireless payment program operation information included in the wireless payment request information A predetermined wireless payment program provided in the wireless terminal is driven, and the payment amount information included in the wireless payment request information and the account information (e.g., a product seller's financial account) are deposited in the wireless payment request information. Information, and / or virtual account information for payment).

The wireless payment program is driven as described above, and the payment information and the account information (for example, product seller financial account information and / or virtual account information for payment) are automatically input to the wireless payment program. If so, the wireless terminal performs a non-face-to-face payment procedure in which the payment is transferred to the account (eg, a product seller's financial account, and / or a virtual account for payment) through a wireless payment program.

When the payment processing unit 125 performs a non-face-to-face payment procedure for the product to be purchased in cooperation with at least one payment system, and the non-face-to-face payment procedure is normally processed, the internet shopping server 100 The goods purchased by the customer are delivered to the customer based on a delivery system (not shown).

2A, 2B, and 2C are diagrams illustrating an internet shopping process for providing a ledger-based escrow service according to one embodiment of the present invention.

In more detail, FIGS. 2A, 2B, and 2C are views of the Internet shopping server 100 when a client terminal 135 having at least one web browser program accesses a predetermined Internet shopping server 100 using HTTP. ) Provides at least one product sale information to the client terminal 135 through a predetermined web page, and the client terminal 135 to process the purchase and payment of at least one product based on the product sale information The present invention relates to a process of providing an internet shopping service. Specifically, when paying a virtual account escrow provided on an internet shopping system, the virtual account escrow payment is processed using the latest customer wireless terminal information corresponding to the wireless terminal currently used by the customer. It shows the process of recording in the ledger on the financial system.

Those skilled in the art to which the present invention pertains can refer to various embodiments of the Internet shopping system for providing the ledger-based escrow service by referring to and / or modifying the drawings 2a, 2b and 2c. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 2A, 2B and 2C.

2A, 2B, and 2C, the client terminal 135 on the Internet shopping system shown in FIG. 1 is referred to as " terminal " for convenience, and the Internet shopping server 100 on the Internet shopping system shown in FIG. ) Is called "server" for convenience.

2A, 2B, and 2C, the terminal accesses the server through a predetermined network means using a predetermined web browser program (200), thereby allowing a communication channel for internet shopping between the terminal and the server. And requesting at least one product sale information from the server according to a predetermined internet shopping procedure corresponding to an internet shopping method (eg, online sales, auction / reverse auction, etc.) defined in the server based on the communication channel. And correspondingly, the server extracts the requested at least one product sales information from a predetermined DBMS 130, and the product sales interface corresponding to the extracted product sales information and / or the internet shopping scheme. Generates a predetermined web page including a and transmits to the terminal via the network means (210).

Upon receiving the web page, the terminal selects at least one or more purchase target products through at least one or more product sale information and / or a product sale interface included in the web page (215).

If the terminal does not select at least one or more products to be purchased through at least one or more product sales information and / or a product selling interface included in the web page (220), the terminal sells at least one or more other products to the server. Request information and / or a merchandise interface, and in response, the server extracts the at least one other merchandise sales information from a predetermined DBMS 130, and sends the extracted merchandise sales information and / or the internet shopping scheme. The process of generating a predetermined web page including a corresponding merchandise sales interface and transmitting it to the terminal through the network means is repeated.

On the other hand, if the terminal selects at least one or more products to be purchased through at least one or more product sales information and / or a product sales interface included in the web page (220), the terminal selects the product sales interface included in the web page. Generate and transmit the purchased product information to the server (225), and the server extracts (or confirms) payment information including at least one or more product information corresponding to the received purchased product and a payment amount; 230, the network means by generating a predetermined web page including a payment interface for selecting a predetermined payment means for processing the extracted payment information and the payment amount contained in the payment information; Through the transmission to the terminal through (235).

Upon receiving the web page, the terminal selects a predetermined payment means for processing the payment amount included in the payment information through the payment information and / or payment interface included in the web page (240).

If a predetermined payment means for processing the payment amount included in the payment information is selected through the payment information and / or payment interface included in the web page (245), the terminal selects the payment interface. In operation 250, predetermined payment means selection information for payment processing of the payment amount is generated and transmitted to the server.

According to an embodiment of the present invention, the payment method selection information may include credit card payment method selection information, check card payment method selection information, debit card payment method selection information, and prepaid card ( Prepaid Card) at least one payment method selected from among payment method selection information, electronic wallet payment method selection information, electronic bankbook payment method selection information, bank transfer payment method selection information, and virtual account payment method selection information. It is preferable to include information to select.

When the payment means selection information is received as described above, the server reads the received payment means selection information, and confirms whether the virtual account escrow payment means is selected in the terminal (255).

If the virtual account escrow payment method is not selected (260), the server processes the payment amount included in the payment information in association with a payment system corresponding to other payment means selection information selected in addition to the virtual account escrow payment method. (265)

When the credit card payment means selection information is received from the terminal according to an embodiment of the present invention, the server through a predetermined communication means credit card payment system corresponding to the credit card payment means (for example, secure payment based credit card) It is desirable to perform a credit card-based non-face-to-face payment procedure using the customer credit card in conjunction with a payment system or a secure click-based credit card payment system.

According to another embodiment of the present invention, when the check card payment means selection information is received from the terminal, the server checks the payment card payment system corresponding to the check card payment means through a predetermined communication means (for example, security payment based check) It is desirable to perform a check card-based non-face-to-face payment procedure using the customer check card in conjunction with a card payment system or a secure click-based check card payment system.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information is received from the terminal, the server debit card payment system corresponding to the debit card payment means through a predetermined communication means (eg, debit card issuance). It is preferable to perform a debit card-based non-face-to-face payment procedure using the customer debit card in conjunction with a financial system provided in a bank.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information is received from the terminal, the server transmits a prepaid card payment system corresponding to the prepaid card payment means through a predetermined communication means (for example, to a prepaid card). It is preferable to perform a prepaid card-based non-face-to-face payment procedure using the customer prepaid card in conjunction with a charged civil operation system.

According to another embodiment of the present invention, if the electronic wallet payment means selection information is received from the terminal, the server through the predetermined communication means electronic wallet payment system corresponding to the electronic wallet payment means (for example, the electronic wallet) It is preferable to perform an electronic wallet-based non-face-to-face payment procedure using the customer's electronic wallet in conjunction with the public operation system charged in the).

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid Familiarize yourself with the payment system corresponding to at least one payment method of Prepaid Card payment method selection information and Electronic Wallet payment method selection information, and technical features of the non-face-to-face payment process using the payment system. Since there will be, a detailed description thereof will be omitted for convenience.

If payment processing is completed for the payment amount included in the payment information in connection with the payment system corresponding to the selected other payment means selection information (270), the server through the predetermined product delivery system (not shown) In operation 296, a delivery process for a product having a validity of processing is performed.

On the other hand, when the virtual account escrow payment means is selected (260), the server generates (or extracts) a payment interface for requesting the latest customer wireless terminal information corresponding to the customer wireless terminal currently used by the customer by means of the network means. In operation 275, the terminal inputs (or selects) the latest customer wireless terminal information corresponding to the customer wireless terminal currently used by the customer through the payment interface. In operation 285, the input (or selected) latest customer wireless terminal information is transmitted to the server through the network means.

Thereafter, the server performs a payment processing procedure on the payment amount included in the payment information in association with the payment system corresponding to the virtual account escrow payment means selection information (290).

According to one embodiment of the present invention, the server is a virtual account escrow payment system corresponding to the virtual account escrow payment means (for example, at least one financial account (or virtual account corresponding to the virtual account escrow) through a predetermined communication means It is preferable to perform a virtual account escrow-based non-face-to-face payment procedure using the customer virtual account escrow in conjunction with the financial system).

Those skilled in the art will be familiar with the technical features of the payment system corresponding to the virtual account escrow payment means selection information, and the non-face-to-face payment process using the payment system, Detailed description thereof will be omitted for convenience.

If the payment processing of the payment amount included in the payment information is completed in connection with the payment system corresponding to the selected virtual account escrow payment method selection information (292), the server pays the virtual account escrow through a predetermined communication means. The ledger on the financial system in which the customer financial account is opened in conjunction with the virtual account escrow payment system corresponding to the means (eg, a financial system in which at least one financial account (or virtual account) is opened corresponding to the virtual account escrow) The customer stores the latest wireless terminal information currently used by the customer (294), and performs a delivery process for the goods for which the payment processing validity is authenticated through a predetermined product delivery system (not shown) (296).

According to an embodiment of the present invention, among the ledgers on the financial system, the customer ledger stores customer wireless terminal information used by the customer at the time when the customer opens the customer financial account. It is preferable to update and store the customer wireless terminal information previously stored in the customer ledger with the latest customer wireless terminal information currently used by the customer in association with the customer ledger.

3A, 3B, and 3C are diagrams illustrating an internet shopping process for providing a ledger-based escrow service according to another exemplary embodiment of the present invention.

3A, 3B, and 3C, the Internet shopping server 100 is connected to a predetermined Internet shopping server 100 using HTTP by a client terminal 135 having at least one web browser program. ) Provides at least one product sale information to the client terminal 135 through a predetermined web page, and the client terminal 135 to process the purchase and payment of at least one product based on the product sale information The present invention relates to a process of providing an internet shopping service. Specifically, when a virtual account escrow payment provided on an internet shopping system is immediately processed through a customer wireless terminal, the latest customer wireless corresponding to the wireless terminal currently used by the customer is processed. The terminal on the financial system that handles the terminal account escrow payment. It shows the process of writing in the chapter.

Those skilled in the art to which the present invention pertains, various analogy to the implementation method of the Internet shopping system for providing the ledger-based escrow service by referring to and / or modified to the drawings 3a, 3b and 3c. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 3A, 3B, and 3C.

3A, 3B, and 3C, the client terminal 135 on the Internet shopping system shown in FIG. 1 is referred to as " terminal " for convenience, and the Internet shopping server 100 on the Internet shopping system shown in FIG. ) Is called "server" for convenience.

3A, 3B, and 3C, the terminal accesses the server through a predetermined network means by using a predetermined web browser program (300), thereby allowing a communication channel for internet shopping between the terminal and the server. And requesting at least one product sale information from the server according to a predetermined internet shopping procedure corresponding to an internet shopping method (eg, online sales, auction / reverse auction, etc.) defined in the server based on the communication channel. 305, and correspondingly, the server extracts the requested at least one product sales information from a predetermined DBMS 130, and the product sales interface corresponding to the extracted product sales information and / or the internet shopping scheme. Generates a predetermined web page including a and transmits to the terminal via the network means (310).

Upon receiving the web page, the terminal selects at least one or more purchase target products through at least one product sale information and / or a product sale interface included in the web page (315).

If the terminal does not select at least one or more products to be purchased through at least one or more product sales information and / or a product selling interface included in the web page (320), the terminal sells at least one or more other products to the server. Request information and / or a merchandise interface, and in response, the server extracts the at least one other merchandise sales information from a predetermined DBMS 130, and sends the extracted merchandise sales information and / or the internet shopping scheme. The process of generating a predetermined web page including a corresponding merchandise sales interface and transmitting it to the terminal through the network means is repeated.

On the other hand, if the terminal selects at least one or more products to be purchased through at least one or more product sales information and / or a product sales interface included in the web page (320), the terminal selects the product sales interface included in the web page. Generate the product information to be purchased through the server and transmit the generated product information to the server (325), and the server extracts (or confirms) payment information including at least one or more product information and a payment amount corresponding to the received product to be purchased ( 330) generating a predetermined web page including a payment interface for selecting the predetermined payment means for processing the extracted payment information and the payment amount included in the payment information; The transmission to the terminal through the (335).

The terminal receiving the web page selects a predetermined payment means for processing a payment amount included in the payment information through the payment information and / or payment interface included in the web page (340).

If a predetermined payment means for processing the payment amount included in the payment information is selected through the payment information and / or payment interface included in the web page in the terminal (345), the terminal selects the payment interface. In operation 350, predetermined payment means selection information for payment processing of the payment is generated and transmitted to the server.

According to an embodiment of the present invention, the payment method selection information may include credit card payment method selection information, check card payment method selection information, debit card payment method selection information, and prepaid card ( Prepaid Card) at least one payment method selected from among payment method selection information, electronic wallet payment method selection information, electronic bankbook payment method selection information, bank transfer payment method selection information, and virtual account payment method selection information. It is preferable to include information to select.

When the payment means selection information is received as described above, the server reads the received payment means selection information, and checks whether the virtual account escrow payment means is selected in the terminal (355).

If the virtual account escrow payment method is not selected (360), the server processes the payment amount included in the payment information in association with a payment system corresponding to other payment means selection information selected in addition to the virtual account escrow payment method. (365)

When the credit card payment means selection information is received from the terminal according to an embodiment of the present invention, the server corresponding to the credit card payment means through a predetermined communication means (for example, secure payment based credit) It is desirable to perform a credit card-based non-face-to-face payment procedure using the customer credit card in conjunction with a card payment system or a secure click-based credit card payment system.

According to another embodiment of the present invention, when the check card payment means selection information is received from the terminal, the server checks the payment card payment system corresponding to the check card payment means through a predetermined communication means (for example, security payment based check) It is preferable to perform a check card-based non-face-to-face payment procedure using the customer check card in conjunction with a card payment system or a secure click-based check card payment system.

According to another exemplary embodiment of the present invention, when the debit card payment means selection information is received from the terminal, the server debit card payment system corresponding to the debit card payment means through a predetermined communication means (eg, debit card issuance). It is preferable to perform a debit card-based non-face-to-face payment procedure using the customer debit card in conjunction with a financial system provided in a bank.

According to another exemplary embodiment of the present invention, when the prepaid card payment means selection information is received from the terminal, the server transmits a prepaid card payment system corresponding to the prepaid card payment means through a predetermined communication means (for example, to a prepaid card). It is preferable to perform a prepaid card-based non-face-to-face payment procedure using the customer prepaid card in conjunction with a charged civil operation system).

According to another embodiment of the present invention, if the electronic wallet payment means selection information is received from the terminal, the server through the predetermined communication means electronic wallet payment system corresponding to the electronic wallet payment means (for example, the electronic wallet) It is preferable to perform an electronic wallet-based non-face-to-face payment procedure using the customer's electronic wallet in conjunction with the public operation system charged in the).

Those skilled in the art to which the present invention pertains, the credit card payment means selection information, Check Card payment means selection information, debit card payment means selection information, prepaid Familiarize yourself with the payment system corresponding to at least one payment method of Prepaid Card payment method selection information and Electronic Wallet payment method selection information, and technical features of the non-face-to-face payment process using the payment system. Since there will be, a detailed description thereof will be omitted for convenience.

If payment processing is completed for the payment amount included in the payment information in association with the payment system corresponding to the selected other payment means selection information (370), the server through the predetermined product delivery system (not shown) In operation 387, a delivery process of a product having a validity of processing is performed.

On the other hand, when the virtual account escrow payment method is selected (360), the server generates (or extracts) a payment interface for requesting the payment transfer (or virtual account) payment procedure to be processed immediately through the customer wireless terminal. Transmission to the terminal via the network means (375).

According to an embodiment of the present invention, the payment interface preferably comprises a user interface in which the terminal agrees or rejects payment processing included in the payment information using the customer wireless terminal. .

In addition, when the payment interface agrees to process the payment amount included in the payment information by using the customer wireless terminal, the wireless terminal information corresponding to the customer wireless terminal (eg, a customer mobile phone number). It is preferable to further comprise a user interface for inputting (or selecting).

The terminal generates wireless payment selection information that accepts or rejects payment processing included in the payment information using the customer wireless terminal through the payment interface (380), and generates the wireless payment. Selection information is transmitted to the server via the network means (381).

Thereafter, the server reads the received wireless payment selection information, and checks whether the terminal agrees to process the payment amount included in the payment information through the customer wireless terminal (382).

If it is determined that the payment amount contained in the payment information is refused to be processed through the customer wireless terminal (383), the server is linked with the payment system corresponding to the virtual account escrow payment method selection information. The payment amount included in the information is processed (384).

According to one embodiment of the present invention, the server is a virtual account escrow payment system corresponding to the virtual account escrow payment means (for example, at least one financial account (or virtual account corresponding to the virtual account escrow) through a predetermined communication means It is preferable to perform a virtual account escrow-based non-face-to-face payment procedure using the customer virtual account escrow in conjunction with the financial system).

Those skilled in the art will be familiar with the technical features of the payment system corresponding to the virtual account escrow payment means selection information, and the non-face-to-face payment process using the payment system, Detailed description thereof will be omitted for convenience.

If the payment processing of the payment amount included in the payment information is completed in association with the payment system corresponding to the selected virtual account escrow payment method selection information (385), the server sets the virtual account escrow through a predetermined communication means. The ledger on the financial system in which the customer financial account is opened in association with the virtual account escrow payment system corresponding to the means (for example, a financial system in which at least one financial account (or virtual account) is opened corresponding to the virtual account escrow) The client stores the latest wireless terminal information currently used by the customer (386), and performs a delivery process for the goods for which the payment processing validity is authenticated through a predetermined product delivery system (not shown) (387).

On the other hand, if it is confirmed that the payment amount contained in the payment information is agreed to the payment processing through the customer wireless terminal (383), the server through the predetermined wireless messaging system, the message information for the wireless payment processing, wireless payment In operation 386, a wireless message including at least one program driving information, a payment amount, and account information is generated.

Also, the server checks wireless terminal information corresponding to the customer wireless terminal to which the wireless message is transmitted (for example, wireless terminal information received in the wireless payment selection information or member information D / B (not shown)). Check the wireless terminal information, etc. stored in step 387, and transmit the generated wireless message to the customer wireless terminal through the wireless messaging system (388).

Subsequently, the server performs a wireless account escrow-based wireless payment processing result from a predetermined wireless banking server that performs a wireless banking procedure for virtual account escrow payment through a wireless banking function provided in the wireless terminal in response to the wireless message. (389), if the virtual account escrow-based wireless payment processing result is received from the wireless banking server (390), the server reads the payment processing result and performs payment processing corresponding to the payment means selection information. Validity (eg, payment authorization, or payment error) is verified (391).

If the validity of the payment processing corresponding to the payment method selection information is not authenticated (eg, a payment error occurs) 392, the server transmits and outputs the payment processing validity error information to the terminal (393). ).

On the other hand, if the validity of the payment processing corresponding to the payment means selection information is authenticated (eg, payment approval is confirmed) (392), the server transmits and outputs the payment processing validity confirmation report to the terminal (394), Through a predetermined product delivery system (not shown), a delivery process for a product for which the payment processing validity is authenticated is performed (395).

4 is a diagram illustrating a configuration of a wireless banking system for immediately processing a virtual account escrow payment through a wireless terminal 455 according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 is a wireless banking system for providing a virtual machine (VM) -based wireless banking service that immediately processes the virtual account escrow payment through a wireless terminal 455 on the Internet shopping system shown in FIG. For those of ordinary skill in the art to which the present invention pertains, a VM-based wireless banking system is configured to immediately process the virtual account escrow payment through the wireless terminal 455 by referring to and / or modifying the drawing 4. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, a wireless banking system for immediately processing a virtual account escrow payment through a wireless terminal 455 may be configured to provide a VM-based wireless banking service through a predetermined wireless communication network. At least one wireless terminal 455 provided with a payment program and a wireless banking server 400 for providing a VM-based wireless banking service in connection with a wireless payment program provided in the wireless terminal 455 through a predetermined wireless communication network. And a financial system connected to the wireless banking server 400 through a predetermined interface means, wherein the wireless terminal 455 is provided from a wireless messaging system on the Internet shopping system shown in FIG. Predetermined wireless messages (e.g., Short Message Service (SMS)) containing predetermined wireless payment request information and / or Multimedia message service (MMS), etc.), thereby enabling the wireless payment program to immediately process the virtual account escrow payment in the wireless terminal 455 through the wireless terminal 455. do.

In addition, after the payment processing for the purchased product is completed, the wireless banking system checks whether the customer receives the purchased product in connection with the Internet shopping system (or a product delivery system (not shown)) shown in FIG. And when the customer receives the purchase product, generates a predetermined wireless message for providing the predetermined product receipt confirmation information to the customer wireless terminal 455, and provides the customer wireless terminal 455. In the case of providing the goods receipt confirmation information from the information, the information processing server 425 to settle the amount of money deposited in a predetermined virtual account through the wireless banking system to the product seller (or Internet shopping mall) It features.

The wireless terminal 455 is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the wireless LAN terminal in operation, the wireless terminal 455 to provide a wireless banking service for immediately processing the virtual account escrow payment through the wireless terminal 455 Characterized in that the payment program is provided.

Here, a preferred embodiment of the function configuration of the wireless terminal 455 equipped with the wireless payment program will be described in detail with reference to FIG. 5.

According to an embodiment of the present invention, when the wireless terminal 455 is a CDMA stack based mobile communication terminal, the wireless communication network to which the wireless terminal 455 is connected may include the CDMA stack based mobile communication network. According to the intention of the person skilled in the art, the mobile communication network may further include a HSDPA (High Speed Downlink Packet Access) communication standard, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the wireless terminal 455 is a portable Internet terminal based on IEEE 802.16x, the wireless communication network to which the wireless terminal 455 is connected includes the portable Internet based on the IEEE 802.16x. It is preferable.

According to another exemplary embodiment of the present invention, when the wireless terminal 455 is an IEEE 802.11x based wireless LAN, the wireless communication network to which the wireless terminal 455 is connected includes the IEEE 802.11x based wireless LAN. It is preferable.

According to the present invention, the wireless payment program provided in the wireless terminal 455 uses a wireless communication network connected to the wireless terminal 455 using a wireless communication function provided in the wireless terminal 455 to provide a predetermined wireless banking server ( 400, and connects a communication channel for VM-based wireless banking, and transmits predetermined wireless banking request information to the wireless banking server 400 through the communication channel. After receiving the banking request information, the wireless banking server 400 refers to at least one or more wireless banking information included in the wireless banking request information, and connects with a predetermined financial system in response to the wireless banking request information. It is characterized by performing a procedure.

The wireless banking request information may include customer account information corresponding to a customer financial account opened on the financial system in response to the customer owning the wireless terminal 455, wherein the customer account information is the customer finance. It includes at least one of a customer account number and a branch number for the account.

In addition, the wireless banking request information preferably comprises a financial transaction amount information input through a predetermined key input means provided in the wireless terminal 455, wherein the financial transaction amount information is from the customer financial account It is preferable to include at least one or more of the amount withdrawn, and / or the amount deposited into the customer financial account, and may be omitted (eg, an account inquiry transaction) according to the financial transaction type. The invention is not limited.

In addition, the wireless banking request information preferably comprises a predetermined wireless banking authentication information input through a predetermined key input means provided in the wireless terminal 455, wherein the wireless banking authentication information is the customer finance Account password corresponding to the account, and / or financial transaction password (e.g., account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking request information, and / or security code (e.g., security card issued to the customer) At least one or more security codes, and / or at least two or more security codes printed thereon).

The wireless banking request information may further include financial transaction code information for identifying (or identifying) a financial transaction type requested from the wireless terminal 455 to the wireless banking server 400.

In addition, the wireless banking request information includes at least one or more deposit account information (for example, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / Or virtual account information (for example, when a financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount of money to a virtual account, etc.). It is preferable.

According to the present invention, the wireless banking server 400 is a VM-based wireless to immediately process the wireless payment program and the virtual account escrow payment provided in the wireless terminal 455 through the wireless communication network through the wireless terminal 455 And an interface unit 405 for connecting and managing a communication channel for providing a banking service.

According to the embodiment of the present invention, a communication channel connected between the wireless payment program provided in the wireless terminal 455 and the wireless banking server 400 by the interface unit 405 is the wireless payment program and the wireless. It is preferable to include a data communication channel for transmitting and receiving at least one or more financial transaction data (eg, wireless banking request information, or wireless banking result information, etc.) through a financial transaction communication protocol defined between the banking server 400. .

According to an embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted and received through at least one or more encryption methods, and for this purpose, the wireless payment provided in the wireless terminal 455. The program and / or the wireless banking server 400 is preferably provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server 400 in the wireless payment program provided in the wireless terminal 455 through the communication channel is preferably attached to the electronic signature of the customer of the wireless terminal 455. To this end, the wireless payment program provided in the wireless terminal 455 is provided with an electronic signature attachment function for the financial transaction data, the wireless banking server 400 is provided with an electronic signature confirmation function for the financial transaction data. It is preferable to be.

Referring to FIG. 4, the wireless banking server 400 includes an information receiver 410 for receiving at least one wireless banking request information from the wireless terminal 455 through the interface unit 405, and the wireless banking request. Extracting at least one financial transaction-related information by reading the information, and performing a financial transaction procedure corresponding to the financial transaction request information in connection with a predetermined financial system through a predetermined interface means based on the financial transaction-related information. Characterized in that it comprises a banking processing unit 415, the information generated by the banking processing unit 415, the wireless banking result information processed in conjunction with the interface unit 405 to provide to the wireless terminal 455 Characterized in that it further comprises a transmission unit 420.

The information receiving unit 410 is the wireless payment program is driven in the wireless terminal 455, at least one or more wireless banking request to immediately process the virtual account escrow payment through the wireless terminal 455 through the wireless payment program When the information is input (or generated) and transmitted through the wireless communication network, the wireless banking request information transmitted from the wireless terminal 455 is received through the interface unit 405.

According to an embodiment of the present invention, the wireless banking request information may include at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption) in the wireless payment program. And / or a key exchange encryption scheme, etc.), the information receiver 410 further includes a function of decrypting the encrypted wireless banking request information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

When at least one wireless banking request information for immediately processing the virtual account escrow payment is received (or received and decoded) through the information receiver 410, the banking processor 415 may perform the wireless operation. From the banking request information, characterized in that for extracting at least one or more financial transaction-related information to immediately process the virtual account escrow payment through the wireless terminal 455.

According to the exemplary embodiment of the present invention, the financial transaction related information extracted from the wireless banking request information basically includes financial transaction code information, customer account information, and wireless banking authentication information. When the financial transaction type corresponding to the financial transaction includes at least one or more cash movements, the financial transaction related information extracted from the wireless banking request information may further include financial transaction amount information.

In addition, when the financial transaction type corresponding to the financial transaction code information corresponds to a bank transfer transaction, the financial transaction related information extracted from the wireless banking request information may include at least one deposit account information (for example, a transfer amount of the bank transfer). Or a financial transaction type corresponding to the financial transaction code information, when the financial transaction type corresponds to a transaction for transferring a predetermined amount to a virtual account. The financial transaction related information may further include at least one or more virtual account information (eg, a virtual account number to which the amount is transferred).

When at least one financial transaction related information is extracted from the wireless banking request information, the banking processing unit 415 may use a predetermined financial means through a predetermined interface means (for example, an interface connecting the wireless banking server 400 and the financial system). The virtual account escrow payment is immediately processed through the wireless terminal 455 based on the extracted financial transaction related information in connection with a system (eg, a financial system in which a customer financial account corresponding to the customer account information is opened). It is characterized by performing a predetermined financial transaction procedure.

The financial system is a general term for a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 4, the financial system opens at least one financial account to at least one financial transaction customer, and the financial account. A computer system provided in a financial institution to provide at least one financial transaction service based on the account, comprising: an account system for processing a window service such as credit or reception or trust or foreign exchange occurring at at least one branch (or window); An information system that processes headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network At least one non-face-to-face financial transaction instrument (eg, inter Access to the financial system from banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc., and / or various financial transaction interfaces through at least one common network (eg CD common network, financial common network) Characterized in that it comprises an external system for providing, and the financial system is an interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and each of the components in the financial system DBMS 130 (DataBase Management System) comprising at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for the function of the It is characterized by comprising a).

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 an embodiment of the present invention, the DBMS 130 provided in the financial system may be configured such that the financial institution opens at least one financial account to at least one financial transaction customer, and based on the financial account, at least one financial account. And a ledger D / B for storing at least one ledger for providing a transaction service, wherein the ledger D / B performs at least one financial transaction processing that the financial institution will provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

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.

In addition, if the person of ordinary skill in the art to which the present invention belongs, the virtual account based on at least one or more financial transaction-related information that the financial system immediately processing the virtual account escrow payment through the wireless terminal 455. Since you will be familiar with an embodiment of performing a financial transaction procedure for processing the escrow payment through the wireless terminal 455, a detailed description thereof will be omitted for convenience.

When the banking processing unit 415 completes the financial transaction procedure of immediately processing the virtual account escrow payment through the wireless terminal 455 in connection with the financial system, the information transmission unit 420 corresponds to the financial transaction procedure. Generating wireless banking result information including a predetermined financial transaction history and transmitting the generated wireless banking result information to the wireless terminal 455 through the wireless communication network in association with the interface unit 405. In addition, the wireless banking result information is transmitted to the Internet shopping server 100 on the Internet shopping system shown in FIG. 1 through a predetermined communication means.

According to an embodiment of the present invention, the financial transaction details include financial transaction approval details for a financial transaction procedure for immediately processing the virtual account escrow payment through the wireless terminal 455, or at least generated during the financial transaction procedure. It is desirable to include one or more financial transaction errors.

The wireless terminal 455 receiving the wireless banking result information from the wireless banking server 400 through the wireless communication network reads the financial transaction details included in the received wireless banking result information through the wireless payment program. The financial transaction history information (for example, financial transaction approval history information or financial transaction error history information) is output to the screen output means provided in the wireless terminal 455.

In addition, the Internet shopping server 100 receiving the wireless banking result information from the wireless banking server 400 through the communication means, to deliver the goods purchased by the customer to the customer through a predetermined product delivery system Perform the procedure.

Referring to Figure 4, the information processing server 425 is a product delivery confirmation unit 450 for confirming whether the customer received the purchase goods in conjunction with the Internet shopping system (or product delivery system), and the confirmation result When the customer receives the purchase product, an information extraction unit 445 for extracting the information of the customer wireless terminal 455 from the customer ledger on the financial system, and the customer to provide predetermined product receipt confirmation information A message generator 440 for generating a predetermined wireless message, and a message transmitter 435 for transmitting the generated wireless message to the customer wireless terminal 455 using the customer wireless terminal 455 information as a reception number; And, when providing the goods receipt confirmation information from the customer wireless terminal 455, the product seller (or the amount deposited in a predetermined virtual account via the wireless banking system) Internet to an information processing unit (430) to settlement processing by the mall), characterized in that formed.

In FIG. 4, for convenience, the information checking unit and the message processing unit 580 are illustrated as components on the information processing server 425. According to another exemplary embodiment of the present invention, the information checking unit and the message processing unit 580 It may be provided on the internet shopping server 100 (and / or web server associated with the internet shopping server 100) provided on the internet shopping system, and / or on the wireless banking server 400. The present invention is not limited thereto.

The product delivery confirmation unit 450 is connected to the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG. 1 to determine whether the customer has received the purchased product. It is characterized by checking.

According to an embodiment of the present invention, most of the Internet shopping systems shown in FIG. 1 have a predetermined product delivery system capable of real-time checking the product delivery status, or are linked with the product delivery system. The verification unit 450 periodically checks whether the customer has received the purchase product in connection with the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG. 1. desirable.

If the product delivery confirmation unit 450 confirms that the delivery state of the product is confirmed as receipt confirmation, the information extraction unit 445 is the wireless banking server 400 performs the virtual account escrow payment procedure And extracting customer wireless terminal 455 information stored in the customer ledger provided on the financial system, and transmitting the extracted customer wireless terminal 455 information to the message transmitter 435. to provide.

According to an embodiment of the present invention, the customer wireless terminal 455 information stored in the customer ledger provided on the financial system preferably includes information on the wireless terminal 455 currently used by the customer.

When the customer wireless terminal 455 information stored in the customer ledger provided on the financial system is extracted through the information extraction unit 445, the message generation unit 440 is predetermined from the customer wireless terminal 455. And generating a predetermined wireless message including a callback URL for receiving goods receipt confirmation information, and providing the generated wireless message to the message transmitter 435.

The message transmitting unit 435 uses the information of the customer wireless terminal 455 extracted by the information extracting unit 445 as a reception number to transmit the wireless message generated by the message generating unit 440 to the wireless communication network. Characterized in that the transmission to the customer wireless terminal 455 through.

In the customer wireless terminal 455 receiving the wireless message, when the user clicks the "call" button, and / or the "confirm" button, and / or selects the "connect" menu, the wireless terminal 455 ) Accesses the information processing server 425 through a callback UEL included in the wireless message.

According to an exemplary embodiment of the present invention, when the wireless terminal 455 accesses the information processing server 425 through the callback UEL included in the wireless message, the information processing unit 430 is connected to the customer wireless terminal 455. And the predetermined product receipt confirming information for confirming that the customer has received the purchased goods from.

According to another exemplary embodiment of the present invention, when the wireless terminal 455 accesses the information processing server 425 through the callback UEL included in the wireless message, the information processing unit 430 is connected to the customer wireless terminal ( 455 generates (or extracts from a predetermined DB) a wireless page including a user interface for inputting (or selecting) predetermined goods receipt confirmation information, and provides the wireless page to the customer terminal, and through the wireless page, the customer wireless terminal. Characterized in that receiving the goods receipt confirmation information (for example, resident registration number, etc.) from (455).

When the product receipt confirmation information is provided from the customer wireless terminal 455, the information processing unit 430 transfers the amount deposited in the virtual account to the customer wireless terminal 455 to the product seller (or Internet shopping mall). Generate a wireless page requesting to approve the settlement process, provide the wireless page to the customer wireless terminal 455, and receive payment settlement approval information from the customer wireless terminal 455;

According to an exemplary embodiment of the present invention, the payment settlement approval information may include an account password corresponding to a customer financial account which deposits the payment amount in the virtual account, and / or an account transfer password corresponding to the customer financial account, and / Or at least one security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes) corresponding to the customer financial account.

According to another embodiment of the present invention, when the payment settlement approval password is assigned to the virtual account in the process of depositing the payment amount from the customer financial account to the virtual account, the payment settlement approval information is transferred to the virtual account. It may be made by including a password for approval of the payment settlement, by which the present invention is not limited.

If the payment settlement approval information is received from the customer wireless terminal 455, the information processing unit 430 is connected to the financial system to the amount of money deposited in the virtual account by the wireless banking server 400 The product seller (or Internet shopping mall) is characterized in that the transfer process to the financial account.

Those skilled in the art to which the present invention pertains are familiar with the technical features of transferring the amount deposited in the virtual account to the product seller (or Internet shopping mall) financial account in connection with the financial system. Therefore, detailed description thereof will be omitted for convenience.

5 is a diagram illustrating a function of a wireless terminal 455 for immediately processing a virtual account escrow payment through a wireless terminal 455 according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates a code division multiple access (CDMA) in which the wireless terminal 455 shown in FIG. 4 performs a VM-based wireless banking function for immediately processing the virtual account escrow payment through the wireless terminal 455. In the case of a mobile communication terminal connected to a stack-based mobile communication network, the present invention relates to a preferred functional configuration of a mobile communication terminal for performing the VM-based wireless banking function.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to further process the virtual account escrow payment through the wireless terminal 455 in addition to the mobile communication terminal 455. It is possible to easily infer the functional configuration of (for example, a portable Internet terminal, or a wireless LAN terminal), but the present invention includes all the inferred implementation method, the wireless terminal 455 is shown in FIG. It is by no means limited to the illustrated mobile communication terminal.

In terms of hardware, the wireless terminal 455 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 525, and the like. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signals from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal , RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit of transmission path, frequency down-conversion circuit of receiving path, and reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 5, the wireless terminal 455 which processes the virtual account escrow payment immediately through the wireless terminal 455 basically includes a control unit 505, a screen output unit 510, a sound processing unit 515, and a key input unit. 520, a wireless processor 530, a short range communication unit 535, a memory unit 570, and a battery 525 for supplying power, and are mounted or detached from the wireless terminal 455 according to an embodiment. It further comprises a functional configuration including a camera and a camera unit 560 for reading predetermined image information from the camera.

The control unit 505 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 455 from a predetermined memory device. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, the virtual account escrow payment is immediately processed through the wireless terminal 455). Predetermined program routines recorded on the recording medium of the wireless terminal 455 are included in the control unit 505 for convenience. As shown in the drawings, the various functions to be implemented in the wireless terminal 455 are realized by the control unit 505, and the wireless terminal 455 is implemented to realize the above functions. It is characterized in that to control and manage the overall operation. In particular, when power is input to the wireless terminal 455 to perform a function of the control unit 505 that controls and manages overall operations of the wireless terminal 455, an operating system routine or system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 510 is a liquid crystal display (LCD) driver for screen output, and is a key input unit 520 by the control unit 505 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (eg, an LCD panel), and the screen output unit 510 performs a wireless banking procedure by interlocking a screen output device (LCD). It is desirable to perform the function of the information output unit for outputting the predetermined information required in the process of doing.

The sound processor 515 encodes a predetermined sound signal input from a microphone included in the wireless terminal 455 to provide it to the controller 505, or is extracted and / or generated by the controller 505. A sound signal is decoded and output through a speaker. To this end, the sound processor 515 is provided with a predetermined vocoder and a codec. Performs the function of the sound input means provided in the wireless terminal 455 through the sound processor 515 and the microphone, or the sound output provided in the wireless terminal 455 through the sound processor 515 and the speaker. Perform the function of the means.

The key input unit 520 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 455 controlled by the controller 505. When predetermined information (or signal) is inputted from the device, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 505. The control unit 505 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 455 (for example, each wireless terminal). 455 read key data from the key table storing (managing) at least one or more key data corresponding to a specific key event in the input mode and / or operation mode, and / or matching the key event. And read a command to execute a defined function. The keypad including the key input unit 520 and at least one key button performs a function of a key input unit provided in the wireless terminal 455 in cooperation with each other.

The wireless processing unit 530 may be associated with the control unit 505 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) that performs transmission and reception of radio frequency signals. In particular, the wireless processing unit 530 processes the information or signal transmitted from the wireless terminal 455 to the base station in the CDMA stack or provides predetermined information from the CDMA stack received from the base station to provide the mobile communication service. Or it provides a function for reading the signal.

According to an exemplary embodiment of the present invention, the wireless terminal 455 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 530, and through a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with a wireless banking server 400 provided on the mobile communication network and / or a predetermined communication network interworking with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 455 of FIG. 5 is a portable internet terminal and / or a wireless LAN terminal, the wireless processing unit 530 accesses the portable internet and / or wireless LAN to make a virtual account escrow payment. And a functional configuration for providing a predetermined data communication service which is immediately processed through the wireless terminal 455.

The short range communication unit 535 may be an infrared ray communication and / or a radio frequency (RF) communication and / or a Bluetooth and / or a wireless LAN and / or a Wi-Fi or an ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an embodiment of the present invention, the wireless terminal 455 connects a wireless section connecting a predetermined short range device 540 and a predetermined short range wireless communication session through the short range communication unit 535, and the short range device It is preferable to connect a predetermined communication channel with a wireless banking server 400 provided on a predetermined communication network through a wired section including a predetermined network to which the 540 is connected.

The memory unit 570 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 455 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 455 and information or data therefor. The EEPROM stores at least one information and / or data such as terminal registration related parameters and a phone number (eg, address book) or at least one information and / or data extracted and / or generated while executing an application included in the wireless terminal 455. Stored.

According to a preferred embodiment of the present invention, the memory unit 570 is preferably stored in the wireless payment program code that provides a VM-based wireless banking function for immediately processing the virtual account escrow payment through the wireless terminal 455. The wireless payment program code is executed to perform a function of the wireless banking unit 585 shown in the controller 505.

According to an embodiment of the present invention, the memory unit 570 is a customer financial account used in the process of providing a VM-based wireless banking function for the wireless payment program immediately processing the virtual account escrow payment through the wireless terminal 455. It is preferable to store the customer account information corresponding to the, so that the customer account information is automatically input to the wireless banking request information in the process of the wireless payment program provides the VM-based wireless banking function.

According to another exemplary embodiment of the present invention, the customer account information is included in a wireless message received from the wireless messaging system on the Internet shopping system shown in FIG. 1, and / or the key input means is provided for the customer account information. In the case of inputting through the memory unit 570, the memory account 570 may not store the customer account information. Accordingly, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the memory unit 570 may include at least one encryption function (eg, secret key (or symmetric key) based encryption, and / or public key based encryption) in the wireless payment program. An encryption key for performing electronic envelope based encryption, and / or key exchange based encryption, and / or at least one decryption function (secret (or symmetric)) based decryption, and / or public key based decryption, And / or decryption key for performing electronic envelope based decryption, and / or key exchange based decryption function), by which the present invention is not limited.

The camera unit 560 reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 505. Characterized in that.

Referring to FIG. 5, the wireless terminal 455 receives a wireless message including the wireless payment request information from the wireless messaging system illustrated in FIG. 1 through the wireless processing unit 530. And reading the received wireless message to confirm whether to request VM-based wireless banking to immediately process the virtual account escrow payment through the wireless terminal 455, and as a result of the checking, the wireless message wirelessly transmits the virtual account escrow payment. When it is confirmed that the request for the VM-based wireless banking processing through the terminal 455 immediately, the wireless banking unit for providing the VM-based wireless banking function by executing the wireless payment program code recorded in the memory unit 570 ( And a message processing unit 580 for loading 585. When the wireless banking unit 585 is loaded, The message processing unit 580 may automatically input payment information and / or virtual account information of wireless payment request information included in the wireless message to a wireless banking interface included in the wireless banking unit 585. .

The message receiver 575 may be configured to receive all wireless messages (eg, Short Message Service (SMS) and / or Multimedia Message Service (MMS)) received by the wireless terminal 455 through the wireless processor 530. )), And the received wireless message is provided to the message processing unit 580.

The message processing unit 580 reads at least one or more wireless messages received through the message receiving unit 575 so that the received message immediately processes the virtual account escrow payment through the wireless terminal 455. It is characterized by checking whether the wireless message requesting banking.

According to an embodiment of the present invention, if the received wireless message is a wireless message requesting VM-based wireless banking to immediately process the virtual account escrow payment through the wireless terminal 455, the wireless message is the virtual account escrow payment. It is preferable to include a predetermined teleservice ID corresponding to the VM-based wireless banking processing immediately through the wireless terminal 455.

According to another exemplary embodiment of the present invention, a wireless message requesting VM-based wireless banking for immediately processing the virtual account escrow payment through the wireless terminal 455 may include a VM-based wireless banking identifier of another type in addition to the teleservice ID. It may include, but the invention is not limited thereto.

If it is confirmed that the wireless message requests the VM-based wireless banking to immediately process the virtual account escrow payment through the wireless terminal 455, the message processing unit 580 is based on the VM from the memory unit 570. The mobile payment program code corresponding to the wireless banking unit 585 for providing a wireless banking function is executed and loaded.

Those skilled in the art to which the present invention belongs, the technical features of the wireless payment program that provides at least one or more VM-based wireless banking service corresponding to the VM-based wireless banking function defined by each financial institution, and the wireless Since you will be familiar with the wireless banking interface provided in the payment program, a detailed description thereof will be omitted for convenience.

When the wireless payment program code is executed and the wireless banking unit 585 is loaded, the message processing unit 580 extracts payment amount information included in the wireless message and virtual account information to which the payment amount is to be deposited. The extracted payment amount information and the virtual account information into which the payment amount is to be deposited are automatically input to the wireless banking interface of the wireless banking unit 585.

According to the exemplary embodiment of the present invention, the wireless banking unit 585 is provided with a function of inputting predetermined wireless banking authentication information for the wireless banking process in association with the key input unit, wherein the wireless banking unit 585 is provided. The banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password, etc.) corresponding to a financial transaction requested through the wireless banking request information, and / or a security code (eg, , A security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

According to an exemplary embodiment of the present invention, the wireless banking unit 585 may provide wireless banking request information including the customer account information, the payment amount information, the virtual account information to which the payment amount is to be deposited, and the wireless banking authentication information. It is desirable to produce.

According to one embodiment of the present invention, when the wireless message further includes product seller information (or Internet shopping mall information), the wireless banking unit 585 is the customer account information, the payment amount information and the payment amount It is preferable to generate wireless banking request information including virtual account information to be deposited, product seller information (or Internet shopping mall information), and the wireless banking authentication information.

Those skilled in the art to which the present invention pertains, the wireless banking unit 585 is familiar with the various implementation methods for generating the wireless banking request information according to each financial system and VM-based wireless banking protocol defined. Since it will be, a detailed description thereof will be omitted for convenience.

When the wireless banking request information is generated as described above, the wireless banking unit 585 preferably performs an encryption function on the generated wireless banking request information, and the encryption function is secret key (or symmetric key) based encryption. And / or at least one of public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit ( 585, the function of encrypting the wireless banking request information may be omitted, whereby the present invention is not limited.

Hereinafter, the wireless banking unit 585 provides a VM-based wireless banking function for immediately processing the virtual account escrow payment through the wireless terminal 455 through the payment information and the account information to be deposited. The VM-based wireless banking procedure refers to the wireless banking process illustrated in FIG.

6 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to an embodiment of the present invention.

In more detail, FIG. 6 is a layer for sending a wireless message (SMS) that immediately processes the virtual account escrow payment through a wireless terminal 455 through a CDMA stack-based wireless communication network in the wireless messaging system shown in FIG. As regards the structure of a star message, those skilled in the art may refer to FIG. 6 and / or modify the wireless message (eg, a multimedia message service (MMS) in addition to the short message). It will be understood that the hierarchical message structure for sending a message, etc.), and the present invention is not limited to the short message (SMS).

Referring to FIG. 6, the message structure for each layer for sending a wireless message includes a teleservice layer 600, a relay layer 605, a data link layer 610, and a message structure. It is characterized by including a physical layer (Physical Layer) 615.

According to the common knowledge in the technical field to which the present invention belongs, the wireless message is formed based on the DBM of IS-95-A, and the state of the wireless messaging system for sending the wireless message (Idle Mode, Traffic Mode, etc.). And / or a transmission channel for transmitting the wireless message is dynamically selected by the length of the user message 700 and the like, and the present invention is not limited thereto.

The teleservice layer 600 adds MESSAGE_ID in front of a predetermined user data 700 edited by a user who sends the wireless message, followed by an internal time of the message center (MC Time Stamp), A priority indicator, a privacy indicator, an alert on delivery, and a language indicator are added to the delivery layer.

Here, the "internal time of the message center" and the "message arrival notification" are valid when the wireless message is received, and only the space for storing data is secured when the wireless message is transmitted.

The forwarding layer 605 may include SMS_MSG_TYPE for recognizing that the wireless message is SMS data in front of data transmitted from the teleservice layer 610, whether the data transmitted in the wireless message is a voice mailbox or a general message, and the like. A teleservice indicator for setting the same message attribute, an originating address, and a bearer reply option are added to the data link layer 610.

According to an embodiment of the present invention, the teleservice identifier corresponds to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button, etc.) in the customer wireless terminal 455 receiving the wireless message. It is preferably made to include an identifier defined to drive the [program] provided in the customer wireless terminal 455.

If the teleservice identifier includes an identifier defined to drive a [program] included in the customer wireless terminal 455, the user message 700 is via a predetermined identifier (or payment information identifier) 705 Payment information necessary for VM-based wireless banking in the driven [program] in a message to be output to the customer wireless terminal 455 (e.g., payment amount information and account information to which the payment amount is to be deposited (e.g., a product seller financial account) Information, and / or virtual account information for payment, etc.)) 710.

The data link layer 610 transmits data transmitted from the transport layer 605 to a physical layer 615 based on the DBM of IS-95-A via a Um interface, and the physical layer 615 Data transmitted from the data link layer 610 is added to the information required by the IS-95-A protocol and transmitted to the message center provided on the wireless communication network.

7 illustrates a structure of a wireless message sent by a wireless messaging system in accordance with an embodiment of the present invention.

In more detail, FIG. 7 illustrates a case in which a terminal message having a hierarchical message structure shown in FIG. 6 is transmitted using a DBM of a reverse traffic channel (RTC) in the calling radio terminal. Those of ordinary skill in the art will understand and understand the wireless message structure corresponding to other wireless messages (eg, multimedia messages (MMS), etc.) in addition to the short message by referring to and / or modifying this drawing. The invention is by no means limited to the short message (SMS).

Referring to FIG. 7, a message using a DBM of a reverse traffic channel (RTC) includes a message structure corresponding to the DBM, a message structure corresponding to a teleservice identifier, and a destination address. A message structure corresponding to a message structure, a message structure corresponding to a bearer reply option, a message structure corresponding to a bearer data, a message structure corresponding to a message identifier, and a user message A message structure corresponding to User Data 700, a message structure corresponding to a Priority Indicator, a message structure corresponding to a Language Indicator, and a Call Back Nunber. Characterized in that it comprises a message structure.

According to an embodiment of the present invention, the teleservice identifier corresponds to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button, etc.) in the customer wireless terminal 455 receiving the wireless message. It is preferably made to include an identifier defined to drive the [program] provided in the customer wireless terminal 455.

If the teleservice identifier includes an identifier defined to drive a [program] included in the customer wireless terminal 455, the user message 700 is via a predetermined identifier (or payment information identifier) 705 Payment information necessary for VM-based wireless banking in the driven [program] in a message to be output to the customer wireless terminal 455 (e.g., payment amount information and account information to which the payment amount is to be deposited (e.g., a product seller financial account) Information, and / or virtual account information for payment, etc.)) 710.

For example, in the embodiment shown in FIG. 7, the delimiter (or payment information identifier) 705 is "", the payment information 710 is "0035000 | 123456789012", and "0035000" is payment in the payment information. Means the amount is 35,000 won, and the "|" The following number "123456789012" corresponds to account information (eg, product seller financial account information, and / or virtual account information for payment).

Those skilled in the art to which the present invention pertains correspond to the radio message structure corresponding to the hierarchical message structure shown in FIG. 6 and the DBM of the reverse traffic channel (RTC) shown in FIG. Since each message structure information will be clearly understood, a detailed description thereof will be omitted for convenience.

In FIG. 7, the teleservice identifier determines a processing method of the message, and the receiving side communication number includes a customer wireless terminal 455 telephone number for receiving and processing the message, and the user message 700 ) Includes at least one user input data to be transmitted to the customer wireless terminal 455, the language identifier includes a language encoding scheme (eg, lang = 254 is Korean) of the user message 700, and the callback The number comprises a radio terminal 455 telephone number corresponding to the wireless messaging system sending the message.

8A and 8B illustrate a process of immediately processing a virtual account escrow payment through a wireless terminal 455 according to one embodiment of the present invention.

In more detail, FIGS. 8A and 8B show that the wireless terminal 455 shown in FIG. 5 immediately processes the virtual account escrow payment through the wireless terminal 455 from the wireless messaging system on the Internet shopping system shown in FIG. After receiving the wireless message to the process based on the wireless message based on the instantaneous payment processing through the VM-based wireless banking system shown in Figure 4, if one of ordinary skill in the art By referring to and / or modifying the drawings 8a and 8b, various implementation methods for immediately processing the virtual account escrow payment through the wireless terminal 455 may be inferred. However, the present invention is directed to all the inferred implementation methods. It is not limited to the embodiment shown in Figures 8a and 8b.

8A and 8B, the wireless terminal 455 shown in FIG. 5 immediately processes the virtual account escrow payment through the wireless terminal 455 from the wireless messaging system on the Internet shopping system shown in FIG. After receiving the wireless message, and outputs the message information included in the wireless message, it is determined whether or not to immediately process the virtual account escrow payment through the wireless terminal 455 (800).

According to an embodiment of the present invention, a wireless message received from the wireless messaging system on the Internet shopping system shown in FIG. 1 to immediately process the virtual account escrow payment through the wireless terminal 455 is described in FIGS. Alternatively, as shown in FIG. 7, it is preferable that a teleservice identifier for driving a wireless payment program included in the wireless terminal 455 is included.

If the wireless terminal 455 is confirmed to process the virtual account escrow payment immediately through the wireless terminal 455 (eg, when the "call" button is clicked or the "confirm" button is clicked) 805, the The wireless terminal 455 drives the wireless payment program through wireless payment program driving information (eg, a teleservice identifier included in the wireless message) included in the wireless message (810), and if the wireless payment program is driven. When it is confirmed (815), the wireless terminal 455 extracts the customer account information from the memory unit 570, and automatically inputs the customer account information to the wireless banking interface provided in the driven wireless payment program. (820).

Thereafter, the wireless terminal 455 may include payment amount information and account information (eg, product seller financial account information, and / or payment virtual account information) included in the wireless message on a wireless banking interface provided in the wireless payment program. Etc.) and automatically inputs the product seller information (or the Internet shopping mall information) to the wireless banking interface included in the wireless payment program when the product information further includes the product seller information (or the Internet shopping mall information) in the wireless message. Enter (825).

When the automatic input process is completed, the wireless terminal 455 checks whether at least one wireless payment authentication information is input through a predetermined key input means (830).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information. Etc.), and / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (835), the wireless terminal 455 is the customer account information, payment amount information, account information (eg, through the wireless payment program) The merchandise seller financial account information, and / or the virtual account information for payment), the merchandise seller information (or the Internet shopping mall information), and the wireless banking request information including the wireless payment authentication information are generated (840).

According to the exemplary embodiment of the present invention, the wireless banking request information may include the account transfer request information that the wireless banking server 400 immediately processes the virtual account escrow payment through the wireless terminal 455.

Those skilled in the art to which the present invention pertains, the wireless banking unit 585 is familiar with the various implementation methods for generating the wireless banking request information according to each financial system and VM-based wireless banking protocol defined. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 455 performs an encryption function for the wireless banking request information (845), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or It is preferable to include at least one or more of electronic envelope-based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit ( 585, the function of encrypting the wireless banking request information may be omitted, whereby the present invention is not limited.

If the encryption for the wireless banking request information is completed (850), the wireless terminal 455 sends the wireless banking request information to the wireless banking server 400 through a wireless communication network to which the wireless terminal 455 is connected. Transmit (855).

The wireless banking server 400 receiving the wireless banking request information performs a decryption function on the encrypted wireless banking request information (860), wherein the decryption function is secret key (or symmetric key) based decryption, and / or And at least one of public key based decryption, electronic envelope based decryption, and / or key exchange based decryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless banking unit ( 585, the function of encrypting the wireless banking request information may be omitted, whereby the present invention is not limited.

If the decryption of the wireless banking request information is completed (865), the wireless banking server 400 is linked to the financial system in which the customer financial account corresponding to the customer account information included in the wireless banking request information is opened. A financial transaction (or virtual account transfer) corresponding to the wireless banking request information is processed (870).

Those of ordinary skill in the art to which the present invention pertains are familiar with the technical features of processing financial transactions (or virtual account transfers) based on ledgers provided on financial systems of each financial institution. Detailed description thereof will be omitted for convenience.

If the financial transaction (or virtual account transfer) corresponding to the wireless banking request information is processed (875), the wireless banking server 400 stores the customer wireless terminal 455 information in the ledger on the financial system ( 880).

According to the embodiment of the present invention, the customer ledger of the ledger on the financial system stores the customer wireless terminal 455 information used by the customer at the time when the customer opens the customer financial account. It is preferable that the server 400 updates and stores the customer wireless terminal 455 information previously stored in the customer ledger with the latest customer wireless terminal 455 information currently used by the customer in association with the financial system. .

Thereafter, the wireless banking server 400 generates wireless banking result information corresponding to the wireless banking request information in connection with the financial system (885), and wirelessly generates the wireless banking result information through the wireless communication network. The terminal 455 transmits the generated wireless banking result information to the Internet shopping server 100 on the Internet shopping system shown in FIG. 1 through a predetermined communication means (890).

9 is a view showing the configuration of the customer ledger stored in the ledger D / B to provide a ledger-based escrow service according to an embodiment of the present invention.

In more detail, Figure 9 shows the configuration of information on the customer ledger provided in the ledger D / B provided in the DBMS 130 on the financial system shown in Figure 4, which is common in the art Those skilled in the art will be able to infer various information construction methods for the customer ledger provided in the ledger D / B by referring to and / or modifying the drawing 9, but the present invention is directed to all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS 130 on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , 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, DBMS 130 on the financial system The ledger D / B included in the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. And strategy.

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.

Here, the telephone number stores the wireless terminal 455 information used by the customer at the time when the customer opens the first financial account in the financial institution equipped with the financial system, and the account transfer (or Virtual account) is updated based on the latest customer wireless terminal 455 information currently used by the customer in the payment process.

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.

10 is a diagram illustrating a wireless banking system for immediately processing a virtual account escrow payment through a wireless terminal according to another exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a wireless banking system for providing a wireless IC (Integrated Circuit) chip-based wireless banking service for immediately processing the virtual account escrow payment through a wireless terminal on the Internet shopping system shown in FIG. As one of ordinary skill in the art to which the present invention pertains, the present invention relates to a financial IC chip-based wireless banking system for immediately processing the virtual account escrow payment through a wireless terminal by referring to and / or modifying the drawing 10. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a wireless banking system for immediately processing a virtual account escrow payment through a wireless terminal includes a predetermined financial IC chip and a predetermined wireless banking service using the financial IC chip. Receives the financial IC chip-based wireless banking processing information in association with the wireless payment program provided in the wireless terminal through at least one or more wireless terminals provided with a wireless payment program for providing a predetermined wireless communication network, the received It comprises a wireless banking server 1000 for storing wireless banking processing information in a predetermined financial system through a predetermined interface means, and the financial system connected to the wireless banking server 1000 through a predetermined interface means. The wireless terminal is a wireless messaging system on the Internet shopping system shown in FIG. Receiving a predetermined wireless message (eg, a Short Message Service (SMS) and / or a Multimedia Message Service (MMS), etc.) including predetermined wireless payment request information from In the wireless terminal, the wireless payment program for immediately processing the virtual account escrow payment through the wireless terminal is driven.

In addition, after the payment processing for the purchased product is completed, the wireless banking system checks whether the customer receives the purchased product in connection with the Internet shopping system (or a product delivery system (not shown)) shown in FIG. And when the customer receives the purchase product, generates a predetermined wireless message for providing the predetermined product receipt confirmation information to the customer wireless terminal, and confirms the receipt of the product from the customer wireless terminal. In the case of providing the information, an information processing server 1025 may be provided to settle the amount of money deposited in a predetermined virtual account through the wireless banking system to the product seller (or an internet shopping mall).

The wireless terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on the IEEE 802.16x standard, and / or a wireless terminal operating based on the IEEE 802.11x standard. Characterized in that it comprises at least one of the LAN terminal, characterized in that the wireless terminal is provided with a wireless payment program for providing a wireless banking service for immediately processing the virtual account escrow payment through a wireless terminal. .

Here, a preferred embodiment of the wireless terminal function configuration provided with the wireless payment program will be described in detail with reference to FIG.

According to an embodiment of the present invention, when the wireless terminal is a CDMA stack-based mobile communication terminal, the wireless communication network to which the wireless terminal is connected may include the CDMA stack-based mobile communication network. The mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another embodiment of the present invention, when the wireless terminal is an IEEE 802.16x based portable Internet terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.16x based portable Internet.

According to another exemplary embodiment of the present invention, when the wireless terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the wireless terminal is connected preferably includes the IEEE 802.11x based wireless LAN.

According to the present invention, the wireless payment program provided in the wireless terminal performs an IC chip-based wireless banking procedure using the financial IC chip provided in the wireless terminal, and uses the wireless communication function provided in the wireless terminal. A wireless communication network connected to a wireless terminal connects a communication channel with a predetermined wireless banking server 1000 and transmits wireless banking processing information corresponding to the IC chip-based wireless banking procedure to the wireless banking server 1000 through the communication channel. The wireless banking server 1000 receiving the wireless banking processing information records at least one financial transaction history included in the wireless banking processing information in a ledger provided in a predetermined financial system. It is characterized by synchronizing the financial IC chip and the ledger.

Preferably, the wireless banking processing information includes customer account information provided in the financial IC chip provided in the wireless terminal, wherein the customer account information includes a customer account number and a branch number for the customer financial account. It comprises at least one.

In addition, the wireless banking processing information preferably comprises a financial transaction history corresponding to the IC chip-based wireless banking, wherein the financial transaction details are financial transaction date and time information, financial transaction amount information, financial transaction code information, balance It is preferable to include at least one or more information, transaction account information.

In particular, the financial transaction amount information of the financial transaction details is preferably made of at least one or more of the amount withdrawn from the customer financial account, and / or the amount deposited into the customer financial account, the transaction account information Is at least one deposit account information (e.g., if the financial transaction type corresponding to the financial transaction code information corresponds to a wire transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / or virtual account information (e.g., When the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to a virtual account, the financial transaction code information may further include a virtual account number to which the amount is transferred.

The wireless banking processing information may include predetermined wireless banking authentication information input through a predetermined key input unit provided in the wireless terminal, wherein the wireless banking authentication information corresponds to the customer financial account. The account password, and / or a financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking processing information, and / or a security code (eg, printed on a security card issued to a customer). Security code, and / or at least two or more security codes).

According to the present invention, the wireless banking server 1000 provides a financial IC chip-based wireless banking service that immediately processes the virtual account escrow payment through a wireless terminal from a wireless payment program provided in the wireless terminal through the wireless communication network. And an interface unit 1005 for connecting and managing a communication channel.

According to an embodiment of the present invention, a communication channel connected between the wireless payment program provided in the wireless terminal and the wireless banking server 1000 by the interface unit 1005 may include the wireless payment program and the wireless banking server ( And a data communication channel for transmitting and receiving at least one financial transaction synchronization data (eg, wireless banking processing information, or ledger recording result information, etc.) through the financial transaction communication protocol defined between 1000).

According to an embodiment of the present invention, it is preferable that at least one financial transaction synchronization data transmitted and received through the communication channel is encrypted and transmitted through at least one or more encryption methods, and for this purpose, a wireless payment program provided in the wireless terminal and / Or The wireless banking server 1000 is preferably provided with an encryption / decryption function for the financial transaction synchronization data.

In addition, the financial transaction synchronization data transmitted to the wireless banking server 1000 in the wireless payment program provided in the wireless terminal through the communication channel is preferably attached to the electronic signature of the wireless terminal customer, for this purpose The wireless payment program provided in the terminal is provided with an electronic signature attachment function for the financial transaction synchronization data, the wireless banking server 1000 is preferably provided with an electronic signature confirmation function for the financial transaction synchronization data.

Referring to FIG. 10, the wireless banking server 1000 may be connected to an information receiving unit 1010 that receives at least one or more wireless banking processing information from the wireless terminal through the interface unit 1005 in association with a predetermined financial system. An information storage unit 1015 for recording the financial transaction details included in the received wireless banking processing information in a ledger provided on the financial system, and interworking with the interface unit 1005 to the information storage unit 1015. And an information transmitting unit 1020 for generating the ledger recording result information on the financial transaction history recorded in the ledger provided in the financial system and providing the result to the wireless terminal.

After the wireless payment program is driven in the wireless terminal, the wireless payment program performs a wireless banking procedure for immediately processing the virtual account escrow payment through a wireless terminal through a financial IC chip provided in the wireless terminal. When at least one wireless banking process information corresponding to a wireless banking procedure is generated and transmitted through the wireless communication network, the information receiver 1010 transmits the wireless banking process information transmitted from the wireless terminal through the interface unit 1005. Characterized in that it receives.

According to an embodiment of the present invention, the wireless banking processing information may include at least one encryption method (eg, secret key (or symmetric key) encryption method, and / or public key encryption method, and / or electronic envelope encryption) in the wireless payment program. And / or a key exchange encryption scheme, etc.), the information receiver 1010 further includes a function of decrypting the encrypted wireless banking processing information by a predetermined decryption scheme corresponding to the encryption scheme. It is preferable to make it.

When at least one wireless banking processing information for immediately processing the virtual account escrow payment is received (or received and decoded) through the information receiving unit 1010, the information storage unit 1015 performs the wireless banking process. And extracting at least one financial transaction history for immediately processing the virtual account escrow payment from the information through a wireless terminal.

According to an embodiment of the present invention, the financial transaction history extracted from the wireless banking processing information includes at least one financial transaction date and time information, financial transaction amount information, financial transaction code information, balance information, transaction account information, and the like. It is desirable.

In particular, the financial transaction amount information of the financial transaction details is preferably made of at least one or more of the amount withdrawn from the customer financial account, and / or the amount deposited into the customer financial account, the transaction account information Is at least one deposit account information (e.g., if the financial transaction type corresponding to the financial transaction code information corresponds to a wire transfer transaction, the deposit account number, etc. to which the transfer amount is transferred) and / or virtual account information (e.g., When the financial transaction type corresponding to the financial transaction code information corresponds to a transaction for transferring a predetermined amount to a virtual account, the financial transaction code information may further include a virtual account number to which the amount is transferred.

When at least one financial transaction history is extracted from the wireless banking processing information, the information storage unit 1015 may provide a predetermined finance through a predetermined interface means (for example, an interface connecting the wireless banking server 1000 and a financial system). And storing the extracted financial transaction details in a ledger on a system (for example, a financial system in which a customer financial account corresponding to the customer account information is opened).

The financial system is a general term for a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 10, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on the accounting system, comprising: an account system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); To an information system that processes headquarters operations, branch office information support and customer information management, interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one external communication network. At least one non-face-to-face financial transaction instrument (e.g., Access to the financial system from net banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., and / or various financial transactions through at least one common network (eg CD common network, financial common network) And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. DBMS 130 (DataBase Management) including at least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function. System) is characterized in that it is made.

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 an embodiment of the present invention, the DBMS 130 provided in the financial system may be configured such that the financial institution opens at least one financial account to at least one financial transaction customer, and based on the financial account, at least one financial account. And a ledger D / B for storing at least one ledger for providing a transaction service, wherein the ledger D / B performs at least one financial transaction processing that the financial institution will provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

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.

In addition, those skilled in the art to which the present invention belongs, by storing the financial transaction history in the ledger provided on the financial system, the financial IC chip provided in the wireless terminal and the ledger on the financial system Since it will be familiar with various embodiments of synchronizing, a detailed description thereof will be omitted for convenience.

When the information storage unit 1015 stores the financial transaction details in the ledger on the financial system, the information transmission unit 1020 receives the ledger record result information including the predetermined financial transaction details corresponding to the financial transaction procedure. And generate the ledger recording result information in association with the interface unit 1005 to the wireless terminal through the wireless communication network, and transmit the ledger recording result information through a predetermined communication means. Characterized in that the transmission to the Internet shopping server 100 on the Internet shopping system shown in FIG.

The wireless terminal that receives the ledger recording result information from the wireless banking server 1000 through the wireless communication network, the wireless terminal is configured to synchronize the financial transaction synchronization result included in the received ledger recording result information through the wireless payment program. Output to the screen output means provided in.

In addition, the Internet shopping server 100 receiving the ledger recording result information from the wireless banking server 1000 through the communication means, and delivers the goods purchased by the customer to the customer through a predetermined product delivery system Perform the procedure.

Referring to FIG. 10, the information processing server 1025 is connected to the Internet shopping system (or a product delivery system) and a product delivery confirmation unit 1050 which checks whether the customer has received the purchased goods, and the confirmation result When a customer receives the purchase product, an information extraction unit 1045 for extracting the customer wireless terminal information from the customer ledger on the financial system, and a predetermined wireless message for allowing the customer to provide predetermined product receipt confirmation information. A message generator 1040 for generating a message, a message transmitter 1035 for transmitting the generated wireless message to the customer wireless terminal using the customer wireless terminal information as a reception number, and receiving the goods from the customer wireless terminal; In the case of providing the confirmation information, the seller of the product (or internet shopping) deposits the amount deposited in the predetermined virtual account through the wireless banking system. And an information processing unit 1030 for settlement processing in a mole).

In FIG. 10, the information checking unit and the wireless processing unit 1130 and 1180 are illustrated as components on the information processing server 1025 for convenience, but according to another embodiment of the present invention, the information checking unit and the wireless processing unit ( 1130 is provided on the internet shopping server 100 (and / or web server associated with the internet shopping server 100) provided on the internet shopping system, and / or on the wireless banking server 1000. It may be provided, whereby the present invention is not limited.

The product delivery confirmation unit 1050 checks whether the customer has received the purchase product in connection with the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG. Characterized in that.

According to an embodiment of the present invention, most of the Internet shopping systems shown in FIG. 1 have a predetermined product delivery system capable of real-time checking the product delivery status, or are linked with the product delivery system. The verification unit 1050 periodically checks whether the customer has received the purchase product in connection with the Internet shopping system (or a predetermined product delivery system provided on or associated with the Internet shopping system) shown in FIG. 1. desirable.

If the product delivery confirmation unit 1050 confirms that the delivery status of the product is confirmed as receipt confirmation, the information extraction unit 1045 is the wireless banking server 1000 performs a virtual account escrow payment procedure And extracting customer wireless terminal information stored in the customer ledger provided on the financial system, and providing the extracted customer wireless terminal information to the message transmitter 1035.

According to an embodiment of the present invention, the customer wireless terminal information stored in the customer ledger provided on the financial system preferably includes the wireless terminal information currently used by the customer.

When the customer wireless terminal information stored in the customer ledger provided on the financial system is extracted through the information extraction unit 1045, the message generator 1040 provides predetermined product receipt confirmation information from the customer wireless terminal. And generating a predetermined wireless message including a callback URL for receiving. The generated wireless message is provided to the message transmitter 1035.

The message transmitter 1035 receives the wireless message generated by the message generator 1040 through the wireless communication network using the customer wireless terminal information extracted by the information extractor 1045 as a reception number. Characterized in that the transmission to the wireless terminal.

When the wireless terminal receives the wireless message, when the user clicks the "call" button, and / or the "confirm" button, and / or selects the "connect" menu, the wireless terminal transmits the wireless message. Access to the information processing server 1025 through a callback UEL included in.

According to an exemplary embodiment of the present invention, when the wireless terminal accesses the information processing server 1025 through a callback UEL included in a wireless message, the information processing unit 1030 receives the purchased product from the customer wireless terminal. Characterized in that the predetermined product receipt confirmation information for confirming that the customer has received is characterized in that the processing.

According to another exemplary embodiment of the present invention, when the wireless terminal is connected to the information processing server 1025 through a callback UEL included in a wireless message, the information processing unit 1030 is the customer wireless terminal is a predetermined product A wireless page including a user interface for inputting (or selecting) receipt confirmation information is generated (or extracted from a predetermined DB) and provided to the customer terminal, and the goods receipt confirmation information from the customer wireless terminal through the wireless page. (Eg, a social security number) is provided.

When the product reception confirmation information is provided from the customer wireless terminal, the information processing unit 1030 approves the transfer of the amount deposited in the virtual account to the product seller (or the Internet shopping mall) to the customer wireless terminal for settlement processing. Generate a wireless page requesting to provide to the customer wireless terminal, and receives payment settlement approval information from the customer wireless terminal.

According to an exemplary embodiment of the present invention, the payment settlement approval information may include an account password corresponding to a customer financial account which deposits the payment amount in the virtual account, and / or an account transfer password corresponding to the customer financial account, and / Or at least one security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes) corresponding to the customer financial account.

According to another embodiment of the present invention, when the payment settlement approval password is assigned to the virtual account in the process of depositing the payment amount from the customer financial account to the virtual account, the payment settlement approval information is transferred to the virtual account. It may be made by including a password for approval of the payment settlement, by which the present invention is not limited.

If the payment settlement approval information is received from the customer wireless terminal, the information processing unit 1030 is connected to the financial system by the wireless banking server 1000 in the amount deposited in the virtual account by the product seller ( Or an internet shopping mall).

Those skilled in the art to which the present invention pertains are familiar with the technical features of transferring the amount deposited in the virtual account to the product seller (or Internet shopping mall) financial account in connection with the financial system. Therefore, detailed description thereof will be omitted for convenience.

11 is a diagram illustrating a function of a wireless terminal 1055 for immediately processing a virtual account escrow payment through a wireless terminal 1055 according to another exemplary embodiment of the present invention.

In more detail, in FIG. 11, in FIG. 10, a wireless terminal 1055 shown to perform a financial IC chip-based wireless banking function for immediately processing the virtual account escrow payment through the wireless terminal 1055 is code division (CDMA). In the case of a mobile communication terminal accessing a stack-based mobile communication network, the present invention relates to a preferred functional configuration of a mobile communication terminal for performing the financial IC chip-based wireless banking function.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to further process the virtual account escrow payment via the wireless terminal 1055 in addition to the mobile communication terminal 1055. (For example, a portable Internet terminal or a wireless LAN terminal) can be easily inferred, but the present invention includes all the inferred implementation methods, and the wireless terminal 1055 is shown in FIG. It is by no means limited to the illustrated mobile communication terminal.

In terms of hardware, the wireless terminal 1055 providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 1125, and the like. For example, certain modem chips (for example, MSM series modem chips from Qualcomm, Inc.) that incorporate functions such as a code division multiple access (CDMA) modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), and a vocoder; , Various memory elements, duplexer filter that separates transmission and reception signal from one antenna, power amplifier to amplify transmission signal, high power amplifier (HPA), isolator to prevent the return of high output transmission signal RF / IF SAW filter to remove the unwanted out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, and reference clock source. VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Is gradually integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 11, the wireless terminal 1055 that processes the virtual account escrow payment immediately through the wireless terminal 1055 basically includes a control unit 1105, a screen output unit 1110, a sound processing unit 1115, and a key input unit. 1120, a wireless processor 1130, a near field communication unit 1135, a memory unit 1185, and a battery 1125 for supplying power. A financial IC chip mounted on or detached from the wireless terminal 1055 that is immediately processed through the IC, an IC chip reader 1150 interfacing with the financial IC chip, a camera mounted on or detached from the wireless terminal 1055, and the camera. It further comprises a functional configuration including a camera unit for reading out predetermined image information from the.

The control unit 1105 includes a processor and execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the radio terminal 1055 from a predetermined memory element. (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that from a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, the virtual account escrow payment is immediately processed through the wireless terminal 1055). The control unit 1105 provides a predetermined program routine recorded on the recording medium of the wireless terminal 1055 for convenience. As illustrated in FIG. 2, various functions to be implemented in the wireless terminal 1055 are realized by the control unit 1105, and the wireless terminal 1055 is implemented to realize the above functions. It is characterized in that to control and manage the overall operation of. In particular, when power is input to the wireless terminal 1055 to perform a function of the control unit 1105 for controlling and managing the overall operation of the wireless terminal 1055, an operating system routine or system stored in a predetermined memory device. Management routines and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 1110 is a liquid crystal display (LCD) driver for outputting a screen and is a key input unit 1120 by the controller 1105 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt;), various information, signals, and / or content (e. G., Text content, image content, and / or &lt; / RTI &gt; Or multimedia content) to a predetermined screen output device (for example, an LCD panel). The screen output unit 1110 performs a wireless banking procedure by interlocking a screen output device (LCD). It is desirable to perform the function of the information output unit for outputting the predetermined information required in the process of doing.

The sound processor 1115 encodes a predetermined sound signal input from a microphone included in the wireless terminal 1055 and provides the sound signal to the controller 1105 or extracted and / or generated by the controller 1105. A sound signal is decoded and output through a speaker. To this end, the sound processor 1115 includes a predetermined vocoder and a codec. Performs a function of a sound input means provided in the wireless terminal 1055 through the sound processor 1115 and a microphone, or outputs a sound provided in the wireless terminal 1055 through the sound processor 1115 and a speaker. Perform the function of the means.

The key input unit 1120 includes a predetermined key having at least one or more key buttons including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad and detects a predetermined key button provided in the keypad in a specific input mode and / or operation mode of the wireless terminal 1055 controlled by the controller 1105. When predetermined information (or signal) is inputted from the controller, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the controller 1105. The control unit 1105 reads predetermined key data corresponding to the key event in the current input mode and / or the operation mode of the wireless terminal 1055 (eg, the respective none). The terminal 1055 reads key data in the key event from a key table that stores (manages) at least one key data corresponding to a specific key event in an input mode and / or an operation mode, and / or the key event A command for executing a predetermined function that is matched and defined is read. The keypad including the key input unit 1120 and at least one key button performs a function of key input means provided in the wireless terminal 1055 in cooperation with each other.

The wireless processor 1130 may register a location and / or a slot mode and / or a power control in conjunction with the controller 1105 (eg, a program routine for providing a mobile communication service). Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) that performs transmission and reception of radio frequency signals. In particular, the radio processing unit 1130 processes the information or signal transmitted from the radio terminal 1055 to the base station in the CDMA stack or provides predetermined information from the CDMA stack received from the base station to provide the mobile communication service. Or it provides a function for reading the signal.

According to an embodiment of the present invention, the wireless terminal 1055 connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 1130, and connects a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with the wireless banking server 1000 provided on the mobile communication network and / or a predetermined communication network interworking with the mobile communication network.

According to another exemplary embodiment of the present invention, if the wireless terminal 1055 of FIG. 11 is a portable Internet terminal and / or a wireless LAN terminal, the wireless processing unit 1130 connects to the portable internet and / or wireless LAN to make virtual account escrow payment. And a functional configuration for providing a predetermined data communication service which is immediately processed through the wireless terminal 1055.

The near field communication unit 1135 may be configured to perform infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or driver for the short range wireless communication in software.

According to an exemplary embodiment of the present invention, the wireless terminal 1055 connects a wireless section for connecting a predetermined short range device 1140 and a predetermined short range wireless communication session through the IC chip reader unit 1150, and It is preferable to connect a predetermined communication channel with a wireless banking server 1000 provided on a predetermined communication network through a wired section including a predetermined network to which the local area device 1140 is connected.

The memory unit 1185 is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the wireless terminal 1055 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory includes an operating system routine, a call processing program routine, and / or an application program routine provided through the wireless terminal 1055 and information or data therefor. The EEPROM stores at least one information and / or data such as terminal registration related parameters and a phone number (for example, an address book) or at least one information and / or data extracted and / or generated while executing an application included in the wireless terminal 1055. Stored.

According to a preferred embodiment of the present invention, the memory unit 1185 stores a wireless payment program code for providing a financial IC chip-based wireless banking function for immediately processing the virtual account escrow payment through the wireless terminal 1055. Preferably, the wireless payment program code is executed to perform a function of the wireless banking unit 1780 shown in the control unit 1105.

According to an exemplary embodiment of the present invention, the memory unit 1185 may be used by a wireless payment program in the process of providing a financial IC chip-based wireless banking function to immediately process the virtual account escrow payment through the wireless terminal 1055. Preferably, the client account information corresponding to the financial account is stored, thereby automatically inputting the customer account information to the wireless banking request information while the wireless payment program provides the financial IC chip-based wireless banking function.

According to another exemplary embodiment of the present invention, the customer account information is included in a wireless message received from the wireless messaging system on the Internet shopping system shown in FIG. 1, and / or the key input means is provided for the customer account information. In the case of inputting through the memory unit 1185, the memory unit 1185 may not store the customer account information, and thus the present invention is not limited thereto.

The IC chip reader unit 1150 may be configured with an IC chip related function (eg, the wireless terminal 1055) provided in the wireless terminal 1055 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. IC chip agent program included in) and the financial IC chip mounted or detached from the wireless terminal 1055 to provide information and / or data exchange. For example, the IC chip reader unit 1150 provides information and / or data exchange between the IC chip agent program and the financial IC chip through an application protocol data unit (APDU).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the financial IC chip mounted on or detached from the customer wireless terminal 1055 may include a power supply (VCC), a reset signal (RST), and a clock signal. I / O that communicates with the IC chip reader 1150 (eg, exchanges commands or data) through contact points such as CLK, ground GND, programming power supply (VPP), and / or input / output (I / O). A processor unit including an interface, at least one computing element including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), a random access memory (RAM), and the like. And a memory including at least one memory device including an access memory, an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, in particular, at least one or more memory devices (eg, ROM). ) In the IC card A chip operating system (COS) for managing and operating resources is stored. When predetermined power is supplied from the IC chip reader unit 1150 through a power supply (VCC) contact point of the input / output interface, the memory is stored in the memory. The stored COS is loaded into a predetermined execution memory to control the overall operation of the financial IC chip, and is based on an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. Through the control the exchange of information or data between the financial IC chip and the IC chip reader 1150.

According to the present invention, the IC chip storage information for immediately processing the virtual account escrow payment is stored in the memory of the financial IC chip through the wireless terminal 1055, and the IC chip storage information is stored in the customer wireless terminal 1055. Is driven by a data storage unit for storing a data set corresponding to predetermined information or data that is read and read and / or used by a processor included in the processor) and an instruction set provided by arithmetic functions and COS of the processor unit. A program routine (for example, a JAVA Applet in the case of Javacard) that is executed and operates and used by a processor included in the customer wireless terminal 1055 to interact with the instruction set of the COS. There is a processing unit corresponding to an application including the call code and the execution code that is processed by the processor unit. In particular, the processing unit reads a command provided from the processor provided in the customer wireless terminal 1055 via the input and output interface via the APDU, and at least one or more stored in the data storage based on the read command Read or record information or data, and provide the result or read information or data to the processor provided in the customer wireless terminal 1055 via the input and output interface through the APDU.

According to a preferred embodiment of the present invention, the memory of the financial IC chip includes a security structure based on ISO / IEC 10202, and accordingly, the memory is protected to store secret information such as a chip serial number (CSN). Area, a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The IC chip storage information for the present invention includes the protection area and the COS control. It is preferably stored in an area except the area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory includes one master file (MF) corresponding to a root file and at least one or more subordinate to the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the IC chip storage information for the present invention also comprises such a file structure.

According to a preferred embodiment of the present invention, the IC chip storage information preferably comprises a financial account (or financial product) means including an electronic bankbook and a financial common network, and / or a credit card ( Credit Card) Payment method, Debit Card payment method, Check Card (Check Card) payment means, Prepaid Card (Prepaid Card) payment means It comprises preferably at least one or more Do.

The camera unit reads raster based CCD image information from a camera including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and inputs the image information to the controller 1105. do.

Referring to FIG. 11, the wireless terminal 1055 may include a message receiving unit 1170 which receives a wireless message including the wireless payment request information from the wireless messaging system illustrated in FIG. 1 through the wireless processing unit 1130. Reads the received wireless message to determine whether to request a financial IC chip-based wireless banking process to immediately process the virtual account escrow payment through the wireless terminal 1055; and, as a result of the verification, the wireless message performs the virtual account escrow payment. When it is confirmed that the financial IC chip-based wireless banking request is processed through the wireless terminal 1055, the wireless IC chip-based wireless banking function is provided by executing the wireless payment program code recorded in the memory unit 1185. And a wireless processor 1130 for loading the wireless banking unit 1780. When the banking unit 1780 is loaded, the wireless processing unit 1130 transmits payment information and / or account information of wireless payment request information included in the wireless message to a wireless banking interface included in the wireless banking unit 1780. For example, merchandise seller financial account information, and / or virtual account information for payment) automatically input.

The message receiver 1170 may be configured to transmit all wireless messages (eg, a Short Message Service (SMS) and / or a Multimedia Message Service (MMS)) received through the wireless processor 1130 to the wireless terminal 1055. And the like), and the received wireless message is provided to the wireless processing unit 1130.

The wireless processing unit 1130 reads at least one or more wireless messages received through the message receiving unit 1170, thereby allowing the received message to immediately process the virtual account escrow payment through the wireless terminal 1055. It is characterized by checking whether or not the wireless message requesting the base wireless banking.

According to an embodiment of the present invention, if the received wireless message is a wireless message requesting a financial IC chip-based wireless banking that immediately processes the virtual account escrow payment through the wireless terminal 1055, the wireless message is the virtual account. It is preferable to include a predetermined teleservice ID corresponding to the financial IC chip-based wireless banking for escrow payment processing through the wireless terminal 1055 immediately.

According to another embodiment of the present invention, a wireless IC requesting wireless banking request for wireless banking that immediately processes the virtual account escrow payment through the wireless terminal 1055 is based on another type of financial IC chip other than the teleservice ID. It may include a wireless banking identifier, whereby the present invention is not limited.

If it is confirmed that the wireless message requests the banking IC chip-based wireless banking to immediately process the virtual account escrow payment through the wireless terminal 1055, the wireless processing unit 1130 from the memory unit 1185 The mobile payment program code corresponding to the wireless banking unit 1780 that provides the financial IC chip-based wireless banking function may be loaded by executing the code.

Technical features of the wireless payment program that provides at least one financial IC chip-based wireless banking service corresponding to the financial IC chip-based wireless banking function defined by each financial institution, if one of ordinary skill in the art. And, since you will be familiar with the wireless banking interface provided in the wireless payment program, a detailed description thereof will be omitted for convenience.

When the wireless payment program code is executed and the wireless banking unit 1780 is loaded, the wireless banking unit 1780 performs a validity authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input. In order to secure confidentiality, authentication, integrity, nonrepudiation, and the like for the financial IC chip-based wireless banking.

Those skilled in the art to which the present invention pertains, since the PIN will be familiar with the technical features to secure the confidentiality, authentication, integrity and non-repudiation of the financial IC chip, the detailed description thereof Is omitted for convenience.

When confidentiality, authentication, integrity, and non-repudiation of the financial IC chip are secured in the wireless banking unit 1780, the wireless processing unit 1130 may deposit the payment amount information and the payment amount included in the wireless message. Extract account information (eg, merchandise seller financial account information, and / or virtual account information for payment), and wirelessly transmit the extracted payment amount information and account information to which the payment amount is to be deposited. Characterized in the automatic input to the banking interface.

According to the exemplary embodiment of the present invention, the wireless banking unit 1780 is provided with a function of inputting predetermined wireless banking authentication information for the wireless banking process in connection with the key input unit, wherein the wireless The banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password, etc.) corresponding to a financial transaction requested through the wireless banking request information, and / or a security code (eg, , A security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

According to an exemplary embodiment of the present invention, the wireless banking unit 1780 may include the customer account information, the payment amount information, and the account information to which the payment amount is to be deposited (for example, product seller financial account information, and / or virtual payment). Accounting information) and the wireless banking request information including the wireless banking authentication information.

According to an exemplary embodiment of the present invention, when the product information of the seller is further included in the wireless message (or the Internet shopping mall information), the wireless banking unit 1780, the customer account information, the payment amount information and the payment amount is Generating wireless banking request information including account information (e.g., commodity seller financial account information, and / or virtual account information for payment), commodity seller information (or Internet shopping mall information), and the wireless banking authentication information to be deposited desirable.

Those skilled in the art to which the present invention pertains, various embodiments of the wireless banking unit 1780 generates the wireless banking request information according to the financial IC chip-based wireless banking protocol defined with each financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the wireless banking request information is generated as described above, the wireless banking unit 1780 preferably performs an encryption function on the generated wireless banking request information, and the encryption function is secret key (or symmetric key) based encryption. And / or at least one of public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the financial IC chip-based wireless banking protocol, the wireless banking The unit 1780 may omit the function of encrypting the wireless banking request information, whereby the present invention is not limited.

Hereinafter, the wireless banking unit 1780 provides a banking IC chip-based wireless banking function to immediately process the virtual account escrow payment through the wireless terminal 1055 through the payment information and the account information to which the payment amount is deposited. And the financial IC chip-based wireless banking procedure refers to the wireless banking process shown in Figure y.

12 is a diagram illustrating a message structure for each layer for sending a wireless message in a wireless messaging system according to another exemplary embodiment of the present invention.

More specifically, FIG. 12 sends a wireless message (SMS) to promptly process the virtual account escrow payment through a wireless terminal 1055 through a CDMA stack based wireless communication network in the wireless messaging system shown in FIG. For a hierarchical message structure, a person skilled in the art to which the present invention pertains may refer to FIG. 12 and / or modify the wireless message (eg, multimedia message service) in addition to the short message. It will be understood that the hierarchical message structure for sending MMS, etc.) is not limited to the short message (SMS).

Referring to FIG. 12, the message structure for each layer for sending a wireless message includes a teleservice layer 1200, a relay layer 1205, a data link layer 1210, and a message structure. It is characterized in that it comprises a Physical Layer (1215).

According to the common knowledge in the technical field to which the present invention belongs, the wireless message is formed based on the DBM of IS-95-A, and the state of the wireless messaging system for sending the wireless message (Idle Mode, Traffic Mode, etc.). And / or a transmission channel for transmitting the wireless message is dynamically selected by the length of the user message 1300 and the like, and the present invention is not limited thereto.

The teleservice layer 1200 adds a MESSAGE_ID in front of a predetermined user data 1300 edited by a user who sends the wireless message, followed by an internal time of the message center (MC Time Stamp). A priority indicator, a privacy indicator, an alert on delivery, and a language indicator are added to the delivery layer.

Here, the "internal time of the message center" and the "message arrival notification" are valid when the wireless message is received, and only the space for storing data is secured when the wireless message is transmitted.

The forwarding layer 1205 may include SMS_MSG_TYPE for recognizing that the wireless message is SMS data in front of data transmitted from the teleservice layer 1210, whether data transmitted in the wireless message is a voice mailbox or a general message, and the like. A teleservice identifier for setting the same message attribute, an originating address, and a bearer reply option are added to the data link layer 1210.

According to an embodiment of the present invention, the teleservice identifier corresponds to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button, etc.) in the customer wireless terminal 1055 receiving the wireless message. It is preferable to include an identifier defined to drive the [program] provided in the customer wireless terminal 1055.

If the teleservice identifier includes an identifier defined to drive a [program] provided in the customer wireless terminal 1055, the user message 1300 is via a predetermined identifier (or payment information identifier) 1305 Payment information necessary for financial IC chip-based wireless banking in the driven [program] in a message to be output to the customer wireless terminal 1055 (e.g., payment amount information and account information in which the payment amount is to be deposited (e.g., product seller) Financial account information, and / or virtual account information for payment, etc.)) 1310.

The data link layer 1210 transmits data transmitted from the transport layer 1205 to a physical layer 1215 based on the DBM of the IS-95-A via a Um interface, and the physical layer 1215 Data transmitted from the data link layer 1210 is added to the information required by the IS-95-A protocol and transmitted to the message center provided on the wireless communication network.

Figure 13 illustrates a wireless message structure sent by a wireless messaging system in accordance with an embodiment of the present invention.

In more detail, FIG. 13 illustrates a case in which a terminal message having a hierarchical message structure shown in FIG. 12 is transmitted using a DBM of a reverse traffic channel (RTC) in the calling radio terminal. Those skilled in the art will understand and understand the wireless message structure corresponding to other wireless messages (eg, multimedia messages (MMS), etc.) in addition to the short message by referring to and / or modifying this drawing. The invention is by no means limited to the short message (SMS).

Referring to FIG. 13, a message using a DBM of a reverse traffic channel (RTC) includes a message structure corresponding to the DBM, a message structure corresponding to a teleservice identifier, and a destination address. A message structure corresponding to a message structure, a message structure corresponding to a bearer reply option, a message structure corresponding to a bearer data, a message structure corresponding to a message identifier, and a user message A message structure corresponding to User Data 1300, a message structure corresponding to Priority Indicator, a message structure corresponding to Language Indicator, and a Call Back Nunber. Characterized in that it comprises a message structure.

According to an embodiment of the present invention, the teleservice identifier corresponds to a predetermined user key input (for example, clicking a "call" button or clicking an "confirmation" button, etc.) in the customer wireless terminal 1055 receiving the wireless message. It is preferable to include an identifier defined to drive the [program] provided in the customer wireless terminal 1055.

If the teleservice identifier includes an identifier defined to drive a [program] provided in the customer wireless terminal 1055, the user message 1300 is via a predetermined identifier (or payment information identifier) 1305 Payment information necessary for financial IC chip-based wireless banking in the driven [program] in a message to be output to the customer wireless terminal 1055 (e.g., payment amount information and account information in which the payment amount is to be deposited (e.g., product seller) Financial account information, and / or virtual account information for payment, etc.)) 1310.

For example, in the embodiment shown in FIG. 13, the identifier (or payment information identifier) 1305 is "", the payment information 1310 is "0035000 | 123456789012", and "0035000" is payment in the payment information. Means the amount is 35,000 won, and the "|" The following number "123456789012" corresponds to account information (eg, product seller financial account information, and / or virtual account information for payment).

Those skilled in the art to which the present invention pertains correspond to the radio message structure corresponding to the layered message structure shown in FIG. 12 and the DBM of the reverse traffic channel (RTC) shown in FIG. Since each message structure information will be clearly understood, a detailed description thereof will be omitted for convenience.

In FIG. 13, the teleservice identifier determines a processing method of the message, and the receiving side communication number includes a telephone number of a customer wireless terminal 1055 that receives and processes the message, and the user message 1300. Includes at least one user input data to be transmitted to the customer wireless terminal 1055, the language identifier includes a language encoding scheme (eg, lang = 254 is Korean) of the user message 1300, and the callback number The wireless terminal 1055 includes a telephone number corresponding to the wireless messaging system for sending the message.

14A, 14B, and 14C illustrate a process of immediately processing a virtual account escrow payment through a wireless terminal 1055 according to another exemplary embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C show that the wireless terminal 1055 shown in FIG. 11 transfers the virtual account escrow payment from the wireless messaging system on the Internet shopping system shown in FIG. After receiving a wireless message to process immediately through, based on the wireless message for the process of the instant payment processing through the financial IC chip-based wireless banking system shown in Figure 10, the present invention Those skilled in the art will be able to infer various implementation methods for immediately processing the virtual account escrow payment through the wireless terminal 1055 by referring to and / or modifying the drawings 14a, 14b, and 14c. Includes all of the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 14A, 14B, and 14C.

Referring to FIGS. 14A, 14B, and 14C, the wireless terminal 1055 shown in FIG. 11 receives virtual account escrow payments from the wireless messaging system on the Internet shopping system shown in FIG. 1 through the wireless terminal 1055. After receiving a wireless message to be processed immediately and outputting the message information included in the wireless message, it is checked whether the virtual account escrow payment is to be processed immediately through the wireless terminal 1055 (1400).

According to an embodiment of the present invention, a wireless message received from the wireless messaging system on the Internet shopping system shown in FIG. 1 to immediately process the virtual account escrow payment through the wireless terminal 1055 is shown in FIGS. Alternatively, as shown in FIG. 13, it is preferable that a teleservice identifier for driving a wireless payment program included in the wireless terminal 1055 is included.

If the wireless terminal 1055 is confirmed to process the virtual account escrow payment immediately through the wireless terminal 1055 (eg, when the "call" button is clicked or the "confirm" button is clicked) (1404), The wireless terminal 1055 drives the wireless payment program through wireless payment program driving information (eg, a teleservice identifier included in the wireless message) included in the wireless message (1408), and if the wireless payment program is If it is confirmed that the operation (1412), the wireless terminal 1055 performs a validity authentication procedure for the financial IC chip through the wireless payment program (1416).

According to an embodiment of the present invention, the wireless payment program included in the wireless terminal 1055 performs the validation authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input, thereby providing the financial IC chip. Secure confidentiality, authentication, integrity, and nonrepudiation for the base wireless banking.

Those skilled in the art to which the present invention pertains, since the PIN will be familiar with the technical features to secure the confidentiality, authentication, integrity and non-repudiation of the financial IC chip, the detailed description thereof Is omitted for convenience.

If the validity of the financial IC chip is not authenticated (1420), the wireless terminal 1055 outputs the predetermined financial IC chip validity error information (1424), and makes the virtual account escrow payment to the wireless terminal 1055. To terminate the process immediately.

On the other hand, if the validity of the financial IC chip is authenticated (1420), the wireless terminal 1055 outputs the operation screen of the wireless payment program to the financial IC chip-based wireless payment screen (1428), from the financial IC chip The customer account information is extracted, and the customer account information is automatically input to the wireless banking interface provided in the driven wireless payment program (1432).

Thereafter, the wireless terminal 1055 includes payment amount information and account information (eg, product seller financial account information, and / or virtual account information for payment) included in the wireless message on a wireless banking interface provided in the wireless payment program. Etc.) and automatically inputs the product seller information (or the Internet shopping mall information) to the wireless banking interface included in the wireless payment program when the product information further includes the product seller information (or the Internet shopping mall information) in the wireless message. Enter (1436).

When the automatic input process is completed, the wireless terminal 1055 checks whether at least one wireless payment authentication information is input through a predetermined key input means (1440).

According to an embodiment of the present invention, the wireless banking authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking. And / or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1444), the wireless terminal 1055 through the wireless payment program, the customer account information, payment amount information, account information (eg, goods) A financial IC chip-based financial transaction (or virtual account transfer) procedure is performed through seller financial account information, and / or virtual account information for payment), product seller information (or internet shopping mall information), and the wireless payment authentication information ( 1448).

Those skilled in the art will be familiar with the technical features of the method for performing the financial IC chip-based financial transaction procedure, and thus the detailed description thereof will be omitted for convenience.

If the financial IC chip-based financial transaction (or virtual account transfer) procedure is completed (1452), the wireless terminal 1055 checks the validity of the financial IC chip-based wireless banking procedure through the wireless payment program ( 1456).

Here, the validation of the financial IC chip based wireless banking procedure may include checking whether at least one error occurs while the wireless payment program performs the financial IC chip based wireless banking procedure.

If the validity of the financial IC chip-based wireless banking procedure is not authenticated (1460), the wireless terminal 1055 outputs predetermined financial IC chip-based wireless banking validity error information (1464), and the virtual account escrow payment The process of immediately processing through the radio terminal 1055 ends.

On the other hand, if the validity of the financial IC chip-based wireless banking procedure is authenticated (1460), the wireless terminal 1055 generates predetermined wireless banking processing information including the financial IC chip-based financial transaction details (1468).

According to an embodiment of the present invention, the wireless banking processing information may include information for synchronizing the ledger on the financial system through the financial IC chip and the wireless banking server 1000.

Those skilled in the art to which the present invention pertains, various embodiments of the wireless banking unit 1780 generates the wireless banking processing information according to the financial IC chip-based wireless banking protocol defined with each financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the wireless terminal 1055 performs an encryption function for the wireless banking processing information (1472), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or It is preferable to include at least one or more of electronic envelope-based encryption, and / or key exchange based encryption.

According to another embodiment of the present invention,

If encryption of the wireless banking processing information is completed (1476), the wireless terminal 1055 transmits the wireless banking processing information to the wireless banking server 1000 through a wireless communication network connected to the wireless terminal 1055. Transmit (1480).

The wireless banking server 1000 receiving the wireless banking processing information performs a decryption function on the encrypted wireless banking processing information (1484), and the decryption function is secret key (or symmetric key) based decryption, and / or And at least one of public key based decryption, electronic envelope based decryption, and / or key exchange based decryption.

According to another exemplary embodiment of the present invention, if the encryption function for the wireless banking processing information is possible only with a positive encryption function (for example, WTLS (Wireless Transport Layer Security)) on the financial IC chip-based wireless banking protocol, the wireless banking The unit 1780 may omit the function of encrypting the wireless banking processing information, and thus the present invention is not limited thereto.

If the decryption of the wireless banking processing information is completed (1488), the wireless banking server 1000 is located in the ledger on the financial system in which the customer financial account corresponding to the customer account information included in the wireless banking processing information is opened. The financial transaction (or virtual account transfer) history included in the wireless banking processing information is recorded (92).

Those skilled in the art of the present invention will be familiar with the technical features of recording the financial transaction details in the ledger provided on each financial institution financial system, a detailed description thereof is omitted for convenience. do.

If the financial transaction history is recorded in the ledger provided on the financial system (1496), the wireless banking server 1000 stores the customer wireless terminal 1055 information in the ledger on the financial system (1497).

According to the method of the present invention, the customer ledger of the ledger on the financial system stores the customer wireless terminal 1055 information used by the customer at the time when the customer opens the customer financial account, the wireless banking The server 1000 preferably updates and stores the customer wireless terminal 1055 information previously stored in the customer ledger with the latest customer wireless terminal 1055 information currently used by the customer in association with the financial system. .

Subsequently, the wireless banking server 1000 generates the ledger recording result information corresponding to the wireless banking processing information in association with the financial system (1498) and transmits the generated ledger recording result information through the wireless communication network. The generated ledger recording result information is transmitted to the terminal 1055 and to the internet shopping server 100 on the internet shopping system shown in FIG. 1 through a predetermined communication means (1499).

15 is a diagram illustrating a configuration of a customer ledger stored in the ledger D / B to provide a ledger-based escrow service according to another embodiment of the present invention.

More specifically, Figure 15 shows the configuration of information on the customer ledger provided in the ledger D / B provided in the DBMS 130 on the financial system shown in Figure 1, which is common in the art Those skilled in the art may refer to and / or modify this drawing 15 to infer various information construction methods for the customer ledger provided in the ledger D / B. It is not limited to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS 130 on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , 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, DBMS 130 on the financial system The ledger D / B included in the at least one ledger (for example, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

Here, the telephone number stores the wireless terminal 1055 information used by the customer at the time when the customer opens the first financial account in the financial institution equipped with the financial system, and the account transfer (or Virtual account) is updated with the latest customer wireless terminal (1055) information that the customer is currently using in the payment process.

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.

16A and 16B illustrate a product receipt confirmation and payment settlement process for providing a ledger-based escrow service according to an embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate that a predetermined customer purchases at least one product through the Internet shopping system shown in FIG. 1, and pays the amount of the purchased product through a virtual account escrow payment procedure. Then, if the customer is confirmed that the purchase product has been received, by providing a wireless message including a callback to request the receipt confirmation of the purchase product to the customer wireless terminal 1055, deposited in the virtual account As a payment settlement process for transferring an amount to the merchandise seller (or an internet shopping mall), the information processing server illustrated in FIG. 4 and / or FIG. 10 by the customer through a callback UL included in the wireless message. 1025), and the method for confirming that the customer has received the purchase product when connecting a communication channel Will.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 16a and 16b to infer various product receipt confirmation and payment settlement processes for providing the ledger-based escrow service. As will be appreciated, the present invention encompasses all of the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

In the following Figures 16A and 16B, the information processing server 1025 shown in Figures 4 and / or 10 is referred to as " server " for convenience.

Referring to FIGS. 16A and 16B, the server is connected to the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG. Check whether the received (1600).

According to an embodiment of the present invention, most of the Internet shopping systems shown in FIG. 1 have a predetermined product delivery system capable of real-time checking the product delivery state, or are linked to the product delivery system. It is preferable to periodically check whether the customer has received the purchase product in connection with the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG.

If it is determined that the customer has received the purchase product (1605), the server extracts information (1610) of the customer wireless terminal 1055 currently used by the customer from the customer ledger on the financial system, and the customer Through a wireless terminal 1055 corresponding to the information of the wireless terminal 1055, a wireless message including a callback UEL for checking whether the customer actually received the purchased product or whether there is a willingness to return / replace the purchased product. Create (1615).

According to an embodiment of the present invention, the wireless message including the callback UEL includes a user message requesting that the customer receive the product and request a connection to the communication channel to the server when there is no intention of return / replacement. It is preferable to make.

When the wireless message including the callback UEL is generated as described above, the server generates the wireless message using the customer wireless terminal 1055 information as a receiving number through a wireless communication network corresponding to the customer wireless terminal 1055 information. Is transmitted to the customer wireless terminal 1055 (1620), and the wireless message is received by the customer wireless terminal 1055 according to a wireless message transmission and reception procedure defined in the wireless communication network.

Upon receiving the wireless message, the customer wireless terminal 1055 outputs a user message included in the wireless message and checks whether or not to connect a communication channel to the server through a callback UL included in the wireless message (1625). .

According to an embodiment of the present invention, in the wireless terminal 1055 that has received the wireless message, the user clicks a "call" button, and / or a "confirmation" button by a predetermined key input means, and / or " When the "Connect" menu is selected, the wireless terminal 1055 preferably connects the communication channel to the server through the callback UEL included in the wireless message.

If it is confirmed that the communication channel is connected to the server (1630), the wireless terminal 1055 connects the communication channel to the server through the wireless communication network based on the callback UEL included in the wireless message ( 1635), correspondingly, the server processes the product receipt confirmation information indicating that the customer receives the product from the customer wireless terminal 1055 and that there is no return / replacement intention (1640). Generating a wireless message that authorizes the transfer of the amount deposited in the virtual account to the product seller (or an internet shopping mall) and settlement (1645), and provides the wireless page to the customer wireless terminal 1055 to the virtual account. The customer request for approval of the transfer of the deposited amount to the product seller (or the Internet shopping mall) and settlement (1650), and correspondingly, the wireless terminal 1055 In operation 1655, at least one payment settlement approval information is input through the wireless page.

According to an embodiment of the present invention, a wireless message that authorizes the transfer of the amount deposited in the virtual account to the product seller (or an internet shopping mall) and settles the payment amount of the amount deposited in the virtual account by the customer. (Or an internet shopping mall), if the payment is approved for transfer, the customer wireless terminal 1055 preferably includes a user interface for inputting predetermined payment settlement approval information through the wireless page to the server. Do.

According to an exemplary embodiment of the present invention, the payment settlement approval information may include an account password corresponding to a customer financial account which deposits the payment amount in the virtual account, and / or an account transfer password corresponding to the customer financial account, and / Or at least one security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes) corresponding to the customer financial account.

According to another embodiment of the present invention, when the payment settlement approval password is assigned to the virtual account in the process of depositing the payment amount from the customer financial account to the virtual account, the payment settlement approval information is transferred to the virtual account. It may be made by including a password for approval of the payment settlement, by which the present invention is not limited.

If predetermined payment settlement approval information is input through the wireless page (1660), the wireless terminal 1055 transmits the entered payment settlement approval information to the server (1665).

According to an embodiment of the present invention, the wireless terminal 1055 may include the payment settlement information in at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or It is preferable to encrypt the electronic envelope encryption method, and / or key exchange encryption method, etc. and transmit the encrypted payment authorization information to at least one decryption method (eg, a secret key). (Or symmetric key) decryption scheme, and / or public key decryption scheme, and / or electronic envelope decryption scheme, and / or key exchange decryption scheme, etc.). Omit the decryption procedure.

Thereafter, the server verifies the validity of the received payment settlement approval information (1670).

According to the method of the present invention, the process of validating the payment settlement approval information compares and authenticates at least one or more passwords included in the payment settlement approval information with at least one password provided in the ledger on the financial system. As a result, the process of securing confidentiality, authentication, integrity, and nonrepudiation for transferring and depositing the amount deposited in the virtual account to the product seller (or Internet shopping mall) It is preferable to comprise.

In addition, the process of validating the payment settlement approval information includes the step of decrypting the encrypted payment settlement approval information if the payment settlement approval information is received encrypted in the wireless terminal 1055. desirable.

If the validity of the payment settlement approval information is not authenticated (1675), the server generates predetermined payment error information and transmits it to the terminal (1680), so that the amount of money deposited in the virtual account is transferred to the product seller ( Or Internet shopping mall) to stop the settlement.

On the other hand, if the validity of the payment settlement approval information is not authenticated (1675), the server sells the amount of money deposited in the virtual account by the wireless banking server 1000 in association with the financial system to the product seller (or the Internet). Shopping mall) transfers to financial account (1685).

Those skilled in the art to which the present invention pertains are familiar with the technical features of transferring the amount deposited in the virtual account to the product seller (or Internet shopping mall) financial account in connection with the financial system. Therefore, detailed description thereof will be omitted for convenience.

17A and 17B illustrate a product receipt confirmation and payment settlement process for providing a ledger-based escrow service according to another embodiment of the present invention.

In more detail, FIGS. 17A and 17B show that a predetermined customer purchases at least one product through the Internet shopping system shown in FIG. 1, and pays for the purchased product through a virtual account escrow payment procedure. Thereafter, when the customer is confirmed that the purchase product has been received, if the wireless terminal 1055 provides a wireless message including a callback request for requesting receipt of the purchase product to the wireless terminal 1055, the wireless terminal 1055 In the callback UEL to perform the receipt confirmation of the purchase product, and correspondingly to the payment settlement process for transferring the amount deposited in the virtual account to the product seller (or Internet shopping mall), specifically The customer processes the information shown in FIGS. 4 and / or 10 through the callback UEL included in the wireless message. When connecting the server 1025 and a communication channel, it is conducted on how to verify that the customer has received the purchase.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 17a and 17b to infer various product receipt confirmation and payment settlement processes for providing the ledger-based escrow service. However, the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 17A and 17B.

In the following Figures 17A and 17B, the information processing server 1025 shown in Figures 4 and / or 10 is referred to as " server " for convenience.

Referring to FIGS. 17A and 17B, the server is connected to the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG. Check whether it was received (1700).

According to an embodiment of the present invention, most of the Internet shopping systems shown in FIG. 1 have a predetermined product delivery system capable of real-time checking the product delivery state, or are linked to the product delivery system. It is preferable to periodically check whether the customer has received the purchase product in connection with the Internet shopping system (or a predetermined product delivery system provided on or connected to the Internet shopping system) shown in FIG.

If the customer is found to have received the purchase product (1705), the server extracts the customer wireless terminal 1055 information currently used by the customer from the customer ledger on the financial system (1710), and the customer The wireless terminal 1055 corresponding to the information of the wireless terminal 1055 generates a wireless message including a callback UEL for checking whether the customer actually received the purchased product (1715).

According to an embodiment of the present invention, the wireless message including the callback UEL, it is preferable that the customer includes a user message requesting to connect the communication channel to the server, when receiving the product.

When the wireless message including the callback UEL is generated as described above, the server generates the wireless message using the customer wireless terminal 1055 information as a receiving number through a wireless communication network corresponding to the customer wireless terminal 1055 information. Is transmitted to the customer wireless terminal 1055 (1720), and the wireless message is received by the customer wireless terminal 1055 according to a wireless message transmission and reception procedure defined in the wireless communication network.

Upon receiving the wireless message, the customer wireless terminal 1055 outputs a user message included in the wireless message and checks whether or not to connect a communication channel to the server through a callback UL included in the wireless message (1725). .

According to an embodiment of the present invention, in the wireless terminal 1055 that has received the wireless message, the user clicks a "call" button, and / or a "confirmation" button by a predetermined key input means, and / or " When the "Connect" menu is selected, the wireless terminal 1055 preferably connects the communication channel to the server through the callback UEL included in the wireless message.

If it is confirmed that the communication channel is connected to the server (1730), the wireless terminal 1055 connects the communication channel to the server through the wireless communication network based on the callback UEL included in the wireless message ( 1735, and correspondingly, the server generates (or extracts) a predetermined wireless page including a user interface for receiving predetermined goods receipt confirmation information from the wireless terminal 1055 (1740), and generates (or The extracted wireless page is transmitted to the wireless terminal 1055 (1745).

According to an embodiment of the present invention, if the customer actually receives the purchase product, the wireless page may settle the payment amount for the purchase product to the product seller (or an internet shopping mall), or the purchase product. It is preferable to include a user interface for selecting whether to return or replace.

According to an exemplary embodiment of the present invention, when the customer actually receives the purchased product and processes the settlement amount for the received purchased product to the product seller (or an internet shopping mall), the wireless terminal 1055 It is preferable to input (or select) predetermined product receipt confirmation information.

According to another exemplary embodiment of the present invention, the customer has not yet received the purchase product, or the customer has received the purchase product, but the payment amount for the return / replacement for the received purchase product to the product seller ( Or, if not settled to an Internet shopping mall, it is preferable that the wireless terminal 1055 does not input (or select) predetermined product receipt confirmation information.

If the goods receipt confirmation information is not input (or selected) (1750), the wireless terminal 1055 is a predetermined goods receipt error information (for example, the non-receipt of purchase goods, or the request for return of purchased goods, or the purchase goods replacement request Etc.) and transmits the generated amount to the server (1755), and correspondingly, the server transfers the amount deposited in the virtual account to the product seller (or the Internet shopping mall) and settles the settlement.

If the product receipt confirmation information is input (or selected) (1750), the wireless terminal 1055 transmits the input (or selection) goods receipt confirmation information to the server (1760), and correspondingly the server Generates a wireless message that authorizes the transfer of the amount deposited in the virtual account to the product seller (or an Internet shopping mall) and settles the payment based on the received product receipt confirmation information (1765), and the wireless page is the customer. The mobile terminal 1055 requests the customer approval to transfer and settle the amount deposited in the virtual account to the merchandise seller (or Internet shopping mall) (1770), and in response thereto, the wireless terminal 1055 In operation 1775, it is determined whether at least one payment settlement approval information is input through the wireless page.

According to an embodiment of the present invention, a wireless message that authorizes the transfer of the amount deposited in the virtual account to the product seller (or an internet shopping mall) and settles the payment amount of the amount deposited in the virtual account by the customer. (Or an internet shopping mall), if the payment is approved for transfer, the customer wireless terminal 1055 preferably includes a user interface for inputting predetermined payment settlement approval information through the wireless page to the server. Do.

According to an exemplary embodiment of the present invention, the payment settlement approval information may include an account password corresponding to a customer financial account which deposits the payment amount in the virtual account, and / or an account transfer password corresponding to the customer financial account, and / Or at least one security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes) corresponding to the customer financial account.

According to another embodiment of the present invention, when the payment settlement approval password is assigned to the virtual account in the process of depositing the payment amount from the customer financial account to the virtual account, the payment settlement approval information is transferred to the virtual account. It may be made by including a password for approval of the payment settlement, by which the present invention is not limited.

If predetermined payment settlement approval information is input through the wireless page (1780), the wireless terminal 1055 transmits the entered payment settlement approval information to the server (1785).

According to an embodiment of the present invention, the wireless terminal 1055 may include the payment settlement information in at least one encryption method (eg, a secret key (or symmetric key) encryption method, and / or a public key encryption method, and / or It is preferable to encrypt the electronic envelope encryption method, and / or key exchange encryption method, etc. and transmit the encrypted payment authorization information to at least one decryption method (eg, a secret key). (Or symmetric key) decryption scheme, and / or public key decryption scheme, and / or electronic envelope decryption scheme, and / or key exchange decryption scheme, etc.). Omit the decryption procedure.

Thereafter, the server verifies the validity of the received payment settlement approval information (1790).

According to an embodiment of the present invention, the process for validating the payment settlement approval information may be performed by comparing and authenticating at least one password included in the payment settlement approval information with at least one password provided in the ledger on the financial system. And securing confidentiality, authentication, integrity, and nonrepudiation for transferring and depositing the amount deposited in the virtual account to the product seller (or internet shopping mall). It is preferable to make it.

In addition, the process of validating the payment settlement approval information includes the step of decrypting the encrypted payment settlement approval information if the payment settlement approval information is received encrypted in the wireless terminal 1055. desirable.

If the validity of the payment settlement approval information is not authenticated (1795), the server generates predetermined payment error information and transmits it to the terminal (1797), so that the amount of money deposited in the virtual account is stored in the product seller ( Or Internet shopping mall) to stop the settlement.

On the other hand, if the validity of the payment settlement approval information is not authenticated (1795), the server sells the amount of money deposited in the virtual account by the wireless banking server 1000 in association with the financial system to the product seller (or the Internet). The shopping mall) is transferred to the financial account (1799).

Those skilled in the art to which the present invention pertains are familiar with the technical features of transferring the amount deposited in the virtual account to the product seller (or Internet shopping mall) financial account in connection with the financial system. Therefore, detailed description thereof will be omitted for convenience.

According to the present invention, if the customer receives the purchase product after storing (or updating) the wireless terminal information currently used by the customer in the customer ledger at the time of escrow payment through the virtual account in the Internet shopping mall Advantageously, the product seller (or Internet shopping mall) can arbitrarily settle the purchase price of the purchased product through receipt confirmation and payment settlement for the purchased product based on the customer wireless terminal information stored in the customer ledger. There is this.

According to the present invention, if the customer receives the purchase product after storing (or updating) the wireless terminal information currently used by the customer in the customer ledger at the time of escrow payment through the virtual account in the Internet shopping mall By accepting the purchase confirmation and payment settlement for the purchased product based on the customer wireless terminal information stored in the customer ledger, there is an advantage of further expanding the customer group using the virtual account escrow service than other payment methods.

Claims (5)

And when the customer selects a mobile payment, message information for mobile payment processing from a merchandise sales server to the customer wireless terminal, and wireless payment program driving information for driving a wireless payment program provided in the customer wireless terminal. Transmitting a payment request message (or data) including payment amount information and product seller account information for depositing the payment amount; Automatically driving the wireless payment program on the basis of the wireless payment program driving information included in the payment request message (or data) in the customer wireless terminal; Verifying, extracting, and encrypting the payment amount information included in the payment request message (or data), the product seller account information for depositing the payment amount, and the payment means information included in the wireless terminal in the automatic payment program; step; After connecting the communication channel with the wireless banking server in the auto-powered wireless payment program, the encrypted payment amount information, product seller account information for depositing the payment amount, and payment means information provided in the wireless terminal are connected to the communication channel. Transmitting through; Transmitting, by the wireless banking server, the encrypted payment amount information provided by the customer wireless terminal, the product seller account information for depositing the payment amount, and the payment means information provided in the wireless terminal to a financial system; The financial system decrypts the encrypted payment amount information, the product seller account information for depositing the payment amount, and the payment means information included in the wireless terminal, and then purchases a product for providing an escrow service corresponding to the payment process. Create an escrow account for the customer, and withdraw the payment amount corresponding to the decrypted payment amount information through a payment means corresponding to the decrypted payment means information, and transfer the withdrawn amount to the generated escrow account. Deposit processing; Transmitting product receipt information of the product purchase customer from the product sales server to a financial system managing an escrow account of the product purchase customer; Confirming whether or not the product is received by the financial system to the customer wireless terminal or transmitting a payment transfer approval request message (or data) for the product; Confirming receipt of goods or payment payment approval information for the goods from the customer wireless terminal to the escrow account management server; And On the basis of the information transmitted from the wireless terminal in the financial system, withdraw the payment for the product from the escrow account of the customer, and transfers the withdrawal amount to the product sales server or product seller account Escrow account management method characterized in that it comprises a. The method of claim 1, wherein the escrow account, Escrow account management method comprising a virtual account. delete delete delete

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