KR100869132B1 - Methdo for Settling Accounts Between Financial Agency and Shopping Mall - Google Patents

Abstract

According to the present invention, when a financial institution customer (or employee) accesses a shopping mall affiliated with the financial institution, whether the customer (or employee) is the financial institution customer (or employee) in connection with the shopping mall operation server and the financial institution server. The customer (or employee) who authenticates the customer, and when the customer (or employee) who accesses the shopping mall is the financial institution customer (or employee) as a result of the authentication process, the customer (or employee) receives the product at the shopping mall. At the time of purchase, the financial institution server checks the balance or limit of the financial transaction means of the customer (or employee) at the financial institution server without a separate payment processing process according to the purchase of the product, and the product purchase price according to the verification result It is determined whether or not payment processing is possible, and when it is determined that payment processing is possible, it is notified to the shopping mall operating server, and the gold The agency server characterized in that comprises that the settlement process the goods purchase price of the customer (or employee) to the shopping mall and periodically. As a result, excellent customers among the financial transaction customers corresponding to the financial institution may be shopping while being provided with the same discount rate as the employees of the financial institution through an internet shopping mall which is used at a low cost by the employees of the financial institution.

Alliances, Welfare Sites, Financial Institutions

Description

How to settle payments between financial institutions and shopping malls {Methdo for Settling Accounts Between Financial Agency and Shopping Mall}

1 is a diagram illustrating an affiliate shopping mall system for providing a discount rate benefit to a financial transaction customer according to an embodiment of the present invention.

2 is a diagram illustrating a process of selecting an affiliate shopping customer group according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a process of authenticating an affiliate shopping customer according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

6 is a diagram illustrating an affiliate shopping process for providing a discount rate benefit to a financial transaction customer according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to an embodiment of the present invention.

8 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a process of selecting an affiliate shopping customer group according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of authenticating an affiliate shopping customer according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

13 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

14 is a diagram illustrating an affiliate shopping process that provides a discount rate benefit to a financial transaction customer according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to an embodiment of the present invention.

16 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

17 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

18 is a diagram illustrating a process of selecting an affiliate shopping customer group according to another exemplary embodiment of the present invention.

19 is a diagram illustrating a process of authenticating an affiliate shopping customer according to one embodiment of the present invention.

20 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

22 is a diagram illustrating an affiliate shopping process for providing a discount rate benefit to a financial transaction customer according to an exemplary embodiment of the present invention.

23 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to an embodiment of the present invention.

24 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

25 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

<Description of main parts of drawing>

100: affiliate shopping mall server 105: Web interface unit

110: web page operation unit 115: interface providing unit

120: information receiving unit 125: discount rate application unit

130: customer authentication unit 135: payment request unit

140: client terminal 145: financial company terminal

150: information receiving unit 155: interface processing unit

160: information confirmation unit 165: discount rate generation unit

170: information transmission unit 175: payment processing unit

According to the present invention, when a financial institution customer (or employee) accesses a shopping mall affiliated with the financial institution, whether the customer (or employee) is the financial institution customer (or employee) in connection with the shopping mall operation server and the financial institution server. Authentication process of the customer (or employees) to the certification process; As a result of the authentication process, when the customer (or employee) accessing the shopping mall is the customer of the financial institution (or employee), when the customer (or employee) purchases the product at the shopping mall, a separate payment processing process according to the product purchase is performed. Check the balance or limit of the financial transaction means at the financial institution of the customer (or the employee) at the financial institution server, and determine whether or not the product purchase price settlement processing is possible according to the verification result, Notifying the shopping mall management server if the processing is possible; And processing the product purchase price of the customer (or the employee) periodically at the shopping mall and the shopping mall at the financial institution server. It is to provide a program recording medium.

Most financial institutions have partnered with at least one Internet shopping mall to offer their executives / employees affordable shopping opportunities to enhance the welfare of their executives / employees.

In addition, most financial institutions provide a variety of loyalty services for improving the loyalty of the customers to the excellent customers, but most of the loyalty services for the excellent customers stay at the level such as discount coupon payment and / or mileage point accumulation. In addition, it includes a problem that the effect is significantly lower than the cost of providing the service.

An object of the present invention for solving the above problems is, when a financial institution customer (or employee) connected to the shopping mall affiliated with the financial institution, the shopping mall operation server and the financial institution server in conjunction with the customer (or employee) said A customer (or employee) certification step of authenticating whether the financial institution is a customer (or employee); As a result of the authentication process, when the customer (or employee) accessing the shopping mall is the customer of the financial institution (or employee), when the customer (or employee) purchases the product at the shopping mall, separate payment processing according to the product purchase is performed. Without a process, the financial institution server checks the balance or limit of the financial transaction means of the customer (or employee) at the financial institution, determines whether the product purchase payment settlement processing is possible according to the verification result, and the determination result, Notifying the shopping mall management server if the payment processing is possible; And processing the product purchase price of the customer (or the employee) periodically at the shopping mall and the shopping mall at the financial institution server. Program recording medium.

In the present invention, the settlement price settlement processing method between the financial institution and the shopping mall is connected to the shopping mall operation server and the financial institution server when the financial institution customer (or employee) accesses the shopping mall affiliated with the financial institution. A customer (or employee) authentication step of authenticating whether the financial institution is a customer (or employee); As a result of the authentication process, when the customer (or employee) accessing the shopping mall is the customer of the financial institution (or employee), when the customer (or employee) purchases the product at the shopping mall, a separate payment processing process according to the product purchase is performed. Check the balance or limit of the financial transaction means at the financial institution of the customer (or the employee) at the financial institution server, and determine whether or not the product purchase price settlement processing is possible according to the verification result, Notifying the shopping mall operating server if the processing is possible; And processing the product purchase price of the customer (or employee) on a periodic basis with the shopping mall at the financial institution server.

According to the method of the present invention, the financial institution server checks the balance or limit of the financial transaction means of the customer (or employee) at the financial institution, and determines whether the product purchase payment settlement processing is possible based on the verification result. When the settlement result is determined, the financial institution server may be connected to the wireless terminal of the customer (or employee) to process the payment for the purchase of the product using the financial transaction means of the customer (or the employee). Preferably, the method further includes obtaining approval.

According to the method of the present invention, it is preferable that the financial transaction means of the customer (or employee) in the financial institution comprises an account or a card or a point of the customer (or employee).

According to the present invention, the recording medium provided on the system that realizes the settlement price settlement processing method between the financial institution and the shopping mall is recorded with a program for executing the method.

In the present invention, the settlement price settlement processing system between the financial institution and the shopping mall determines whether the customer (or employee) is the financial institution customer (or employee) when the financial institution customer (or employee) accesses the shopping mall affiliated with the financial institution. Customer (or employee) authentication means for authentication; As a result of the authentication process, when the customer (or employee) who accesses the shopping mall is the customer of the financial institution (or employee), the customer (or employee) pays for the purchase price of the product that the customer (or employee) wants to purchase in the shopping mall. The customer's (or employee's) financial transaction means which notifies the shopping mall operation server if the payment processing is possible using the balance or the limit of the financial transaction means at the financial institution; Management means; And settlement processing means for periodically processing the purchase price of the product of the customer (or the employee) with the shopping mall.

According to the implementation method of the present invention, it is preferable that the settlement processing means checks the financial transaction performance of the customer at the financial institution and performs settlement by applying a discount rate or an incentive corresponding to the confirmed financial transaction performance. .

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

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

In addition, the following examples will be used to 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 affiliate shopping mall system for providing a discount rate benefit to a financial transaction customer according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given financial transaction customer corresponding to the financial institution provides the same discount rate as that of the employee through at least one affiliate shopping mall system in which a predetermined financial institution cooperates to promote employee welfare. Received and / or the affiliated shopping mall system configuration to receive a discount rate differentially according to the rating of the financial transaction customer (for example, the rating according to the financial transaction performance), the general knowledge in the technical field to which the present invention belongs If one having the above, it will be able to infer various implementation methods for the configuration of the affiliate shopping mall system for providing a discount rate benefits to the financial transaction customers by referring to and / or modifying the present Figure 1, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an affiliate shopping mall system for providing a discount rate benefit to a financial transaction customer according to the present invention includes at least one web browser program and is connected to at least one network means. At least one client authentication interface connected to at least one client terminal 140 and the client terminal 140 through the network means, when the client terminal 140 is connected through the network means After providing to the client terminal 140, and performing the authentication process for the customer through the customer authentication interface, at least one or more product sales information and / or product sales interface, or payment information and / Or including the payment interface to the client terminal 140. And the affiliate shopping mall server 100 for selling and paying at least one product to the client terminal 140 through the product selling information and / or the product selling interface, or the payment information and / or the payment interface. A financial system for authenticating a financial institution employee and / or a financial transaction customer corresponding to the client terminal 140 in connection with the shopping mall server 100 through a predetermined communication means, and predetermined communication with the affiliated shopping mall server 100. It is characterized in that it comprises a payment system for performing the payment procedure for the purchased goods in conjunction with the means.

According to the exemplary embodiment of the present invention, when the client terminal 140 having at least one web browser program accesses a predetermined affiliate shopping mall server 100 using a hyper-text transfer protocol (HTTP), the affiliate shopping mall server 100 provides a customer group selection interface for selecting whether a customer connected through the client terminal 140 is a financial institution employee or a financial transaction customer for the financial institution.

If, as a result of the customer group selection through the customer group selection interface, a customer connected through the client terminal 140 is selected as an employee of the financial institution, the affiliate shopping mall server 100 (and / or the affiliate shopping mall server 100) is selected. The linked financial system) provides a predetermined financial institution employee customer authentication interface for authenticating the financial institution employee to the client terminal 140.

On the other hand, if a customer group selection through the customer group selection interface, the customer connected through the client terminal 140 is selected as a financial transaction customer for the financial institution, the affiliate shopping mall server 100 (and / or the affiliate shopping mall server A financial system associated with 100 provides a predetermined financial transaction customer authentication interface for authenticating the financial transaction customer to the client terminal 140.

According to an exemplary embodiment of the present invention, the customer authentication interface provided to the client terminal 140 may be provided from the affiliate shopping mall server 100 to the client terminal 140. Customer authentication information inputted through (or selected) is received by the affiliate shopping mall server 100 and then provided to the financial system.

According to another exemplary embodiment of the present invention, the client authentication interface provided to the client terminal 140 is directly provided to the client terminal 140 in a predetermined financial system affiliated with the affiliate shopping mall server 100. Preferably, customer authentication information input (or selected) via the customer authentication interface is provided directly to the financial system.

According to another exemplary embodiment of the present invention, the customer authentication interface provided to the client terminal 140 may be provided to the client terminal 140 in association with the affiliate shopping mall server 100 and the financial system. At this time, the customer authentication information input (or selected) through the customer authentication interface is provided to the financial system through the affiliate shopping mall server 100.

The client terminal 140 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). At least one wired terminal including a desktop computer and / or a laptop computer connected to the affiliated shopping mall server 100 through a connection, and / or connected to a code division multiple access (CDMA) based mobile communication network. And at least one wireless terminal including at least one mobile communication terminal and / or at least one portable internet terminal connected to IEEE 802.16x based high speed wireless internet, wherein the client terminal 140 includes At least one or more product sales information and / or a product sales interface provided by the affiliate shopping mall server 100, or Outputting information and / or payment interface, and purchasing at least one or more products corresponding to the product selling information through the product selling information and / or the product selling interface, or the payment information and / or the payment interface in a non-face-to-face transaction manner. It is preferable that a function configuration (for example, a web browser program) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 140 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, a customer accessing the affiliate shopping mall server 100 through the client terminal 140 may be an employee of the financial institution or at least one of a financial transaction customer for the financial institution. It is preferable to make.

According to an embodiment of the present invention, when the client terminal 140 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 140 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network and / or the IEEE 802.16x based high speed wireless Internet.

According to an embodiment of the present invention, the affiliate shopping mall 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 140. 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 140 through a predetermined internet shopping procedure, and the like. A database management system (DBMS) is provided or interoperates with a data server provided with the DBMS, whereby a predetermined internet shopping service is provided to at least one or more of the client terminals 140.

According to an embodiment of the present invention, the affiliate shopping mall server 100 communicates with the client terminal 140 through the network means in order to provide a web interface corresponding to the client terminal 140 and the network means. And a web interface unit 105 for connecting and managing channels, whereby the affiliated shopping mall server 100 is communicatively connected to the client terminal 140 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 140 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 140 and HTTP. Connect a predetermined communication channel based on a 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 140 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 140. It is preferable to perform a function of receiving and processing the predetermined purchase target product information and / or financial settlement request information.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the web interface unit 105 may connect the client terminal 140 and the WAP (WAP). Connect a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol, and transmit the WML (Wireless Markup Language) and / or HTML compatible document form to the client terminal 140 through the communication channel. Transmits and outputs product sales information and / or product sales interface, or payment information and / or payment interface, and outputs the product sales information and / or product sales interface, or payment information and / or payment from the client terminal 140. It is preferable to perform a function of receiving and processing predetermined purchase target product information and / or financial settlement request information corresponding to the interface. All.

According to another exemplary embodiment of the present invention, when the client terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the web interface unit 105 may be connected to the client terminal 140. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and provide predetermined product sales information and / or product sales interface, or payment information and / or to the client terminal 140 through the communication channel. Or by transmitting and outputting a payment interface, and requesting product purchase information and / or product payment interface and / or predetermined payment target product information and / or financial settlement request from the client terminal 140. It is desirable to perform a function of receiving and processing information.

Referring to FIG. 1, when the predetermined client terminal 140 accesses the affiliate shopping mall server 100 through the web interface 105, the affiliate shopping mall server 100 may include the web interface unit 105 and Create a predetermined customer group selection interface in conjunction with the web page operating unit 110 and the web page operating unit 110 for operating a web page to be provided to the at least one client terminal 140 in conjunction with the DBMS ( Or input (or select) the interface providing unit 115 provided to the client terminal 140 and the web interface unit 105 through the customer group selection interface in cooperation with the web interface unit 105. An information receiving unit 120 for receiving the customer group selection information to be transmitted, a customer authentication unit 130 for performing a customer authentication procedure corresponding to the customer group selection information, and the customer authentication procedure In response to the customer characterized in that it comprises a discount rate applying unit 125 for applying a predetermined discount rate.

According to an embodiment of the present invention, when the customer connected through the client terminal 140 by the customer authentication unit 130 is confirmed as the financial institution employee, the interface providing unit 115 from the DBMS to the client The terminal 140 generates (or extracts) product sales information and / or a product selling interface for employee sales of the financial institution to input (or select) and transmit predetermined product information to the client terminal 140. In addition, the information receiving unit 120 is input (or selected) through the product sales information and / or product sales interface from the client terminal 140 in conjunction with the web interface unit 105 and transmitted. Characterized in that to receive the purchase target product information.

In this case, the discount rate applying unit 125 generates and / or extracts the product sales information and / or the product sales interface for the financial institution employee sales, and the employee of the financial institution in the product sales information. It is characterized by applying a discount rate.

According to another embodiment of the present invention, when the customer connected through the client terminal 140 by the customer authentication unit 130 is confirmed as the financial institution employee, the interface providing unit 115 is the DBMS from the The client terminal 140 generates (or extracts) product sales information and / or a product selling interface for the financial transaction customer sale for the financial institution to input (or select) and transmit predetermined purchase target product information to the client terminal. And the information receiving unit 120 is inputted through the product selling information and / or the product selling interface from the client terminal 140 in cooperation with the web interface unit 105 ( Or select) receiving the target product information to be transmitted.

In this case, the discount rate applying unit 125 generates the product sales information and / or the product sales interface for the financial transaction customer sale to the financial institution, and then, if the interface providing unit 115 generates (or extracts) the product sales information. It is characterized by applying the same discount rate as the employee company discount rate.

If the customer authentication unit 130 receives the discount rate information (or incentive information) according to the financial transaction performance of the financial transaction customer from the financial system, the discount rate applying unit 125 is the interface providing unit 115. When a generation (or extraction) of product sales information and / or product sales interface for the financial transaction customer sales to the financial institution, a discount rate corresponding to the discount rate information (or incentive information) is applied to the product sales information do.

According to the present invention, when the purchase target product information is received from the client terminal 140 through the information receiving unit 120, the interface providing unit 115 works in conjunction with the webpage operation unit 110 to the client. The terminal 140 generates (or extracts) predetermined payment information and / or payment interface for inputting (or selecting) predetermined financial settlement request information and providing the same to the client terminal 140. In addition, the information receiving unit 120 is characterized in that the client terminal 140 receives the financial payment request information that is input (or selected) through the payment interface.

According to the present invention, when the financial settlement request information is received from the client terminal 140 through the information receiving unit 120, the affiliate shopping mall server 100 corresponds to the financial settlement request information to the financial system. And a payment request unit 135 for requesting payment processing of a payment amount (for example, a product purchase price) included in the payment information.

The webpage operation unit 110 may include at least one webpage source (eg, a web page source based on Hyper-Text Markup Language (HTML)) and digital content provided in the DBMS corresponding to the web server application field. For example, at least one predetermined web page (eg, HTM / HTML / ASP / XML) to be provided to at least one or more client terminals 140 using text content, image content, sound content, multimedia content, and the like. Web document), and the generated web page is provided to at least one or more client terminals 140 through the web interface unit 105.

When a predetermined client terminal 140 accesses the affiliate shopping mall server 100 through the web interface unit 105, the interface providing unit 115 interoperates with the web page operation unit 110 and the client terminal. And generating a predetermined web page including a customer group selection interface for selecting whether a customer accessed through 140 is an employee of a financial institution or a financial transaction customer for the financial institution. The generated web page is provided to the client terminal 140 through the web interface unit 105.

The client terminal 140 receiving at least one web page including the customer group selection interface selects whether the client group is an employee of a financial institution or a financial transaction customer for the financial institution through the customer group selection interface, and responds to the selection. The customer group selection information is generated and transmitted to the affiliated shopping mall server 100.

The information receiver 120 receives the predetermined customer group selection information from the client terminal 140 when it is transmitted, and provides the received customer group selection information to the customer authentication unit 130.

The customer authentication unit 130 reads the received customer group selection information and checks whether a financial institution employee who is a customer connected through the client terminal 140 and / or a financial transaction customer corresponding to the financial institution. It features.

If the customer group selection information is confirmed as a result of the customer access through the client terminal 140, the financial institution employee, the customer authentication unit 130 performs a financial institution employee authentication procedure.

On the other hand, when the customer group selection information is confirmed as a result of the customer connected through the client terminal 140 as a financial transaction customer corresponding to the financial institution, the customer authentication unit 130 performs a financial transaction customer authentication procedure.

In the case of providing a predetermined customer authentication interface from the affiliate shopping mall server 100 to the client terminal 140 according to an embodiment of the present invention, a customer connected through the client terminal 140 is connected to the financial institution. When confirmed as an employee, the customer authentication unit 130 interoperates with the web page operation unit 110 to input (or select) at least one financial institution employee authentication information in the client terminal 140 to the affiliated shopping mall server And generating a web page including a customer authentication interface to be transmitted to the server 100, wherein the client terminal 140 generates a web page including the customer authentication interface through the web interface unit 105. To provide.

At this time, the client terminal 140 that receives at least one web page including the customer authentication interface inputs (or selects) at least one financial institution employee authentication information through the customer authentication interface to the affiliated shopping mall server. 100, the customer authentication unit 130 provides financial institution employee authentication information received from the client terminal 140 to the financial system.

Alternatively, in the case where the affiliate shopping mall server 100 provides a predetermined client authentication interface to the client terminal 140, the customer who is connected through the client terminal 140 corresponds to the financial institution. If confirmed as, the customer authentication unit 130 inputs (or selects) at least one or more financial transaction customer authentication information from the client terminal 140 in conjunction with the web page operation unit 110 by the affiliated shopping mall server ( And a web page including a customer authentication interface to transmit the data to the client terminal 140 through the web interface unit 105. to provide.

At this time, the client terminal 140 receiving at least one web page including the customer authentication interface, inputs (or selects) at least one financial transaction customer authentication information through the customer authentication interface to the affiliated shopping mall server 100, the customer authentication unit 130 provides the financial transaction customer authentication information received from the client terminal 140 to the financial system.

According to another embodiment of the present invention, in the case of directly providing a predetermined customer authentication interface to the client terminal 140 in the financial system linked with the affiliate shopping mall server 100 through a predetermined communication means, the client When the customer connected through the terminal 140 is identified as an employee of the financial institution, the customer authentication unit 130 transmits communication session information about the client terminal 140 through the web interface unit 105 to the communication unit. Provided to the financial system associated with the affiliate shopping mall server 100 through the financial system, and correspondingly, the financial system inputs at least one financial institution employee authentication information from the client terminal 140 based on the communication session information. (Or optionally) generate a web page that includes a customer authentication interface for sending to the financial system. It will be provided to the client terminal 140.

At this time, the client terminal 140 that receives at least one web page including the customer authentication interface, inputs (or selects) at least one employee authentication information of the financial institution through the customer authentication interface to the financial system. send.

Alternatively, in the case of directly providing a predetermined client authentication interface to the client terminal 140 in a financial system linked with the affiliate shopping mall server 100 through a predetermined communication means, the client terminal 140 is connected. When a customer is identified as a financial transaction customer corresponding to the financial institution, the customer authentication unit 130 transmits communication session information about the client terminal 140 through the web interface unit 105 through the communication means. Provided to the financial system associated with the affiliate shopping mall server 100, and correspondingly, the financial system inputs at least one financial whale customer authentication information from the client terminal 140 based on the communication session information (or To generate a web page including a customer authentication interface for direct transmission to the financial system. And provides it to the client terminal group 140.

At this time, the client terminal 140 that receives at least one web page including the customer authentication interface inputs (or selects) at least one financial transaction customer authentication information to the financial system through the customer authentication interface. send.

According to another embodiment of the present invention, in the case where the affiliate shopping mall server 100 and the financial system are directly connected to the client terminal 140 to provide a predetermined client authentication interface, the client terminal 140 When the customer connected through the financial institution is confirmed as an employee, the customer authentication unit 130 is input at least one financial institution employee authentication information in the client terminal 140 in conjunction with the web page operation unit 110. (Or select) to generate a web page including a customer authentication interface for direct transmission to the financial system, wherein the web page including the customer authentication interface is generated via the web interface unit 105. Provided to the client terminal 140.

At this time, the client terminal 140 that receives at least one web page including the customer authentication interface, inputs (or selects) at least one financial institution employee authentication information to the financial system through the customer authentication interface. send.

Alternatively, when the affiliate shopping mall server 100 and the financial system are directly provided with a predetermined client authentication interface to the client terminal 140, the customer connected through the client terminal 140 is connected to the financial system. If it is confirmed that the financial transaction corresponding to the institution, the customer authentication unit 130 inputs (or selects) at least one financial whale customer authentication information from the client terminal 140 in association with the webpage operation unit 110. And generating a web page including a customer authentication interface for direct transmission to the financial system. The client terminal generates a web page including the customer authentication interface through the web interface unit 105. Provided at 140.

At this time, the client terminal 140 that receives at least one web page including the customer authentication interface inputs (or selects) at least one financial transaction customer authentication information to the financial system through the customer authentication interface. send.

According to the implementation method of the present invention, the financial institution employee authentication information, employee identification information (eg, executive code (or number), or employee code (or number), etc.) assigned to at least one or more employees by the financial institution, or It is preferable to include the employee identification information and a predetermined password, it is possible to further include the name and / or resident registration number of the employee according to the intention of the skilled person.

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a financial transaction customer's name, social security number, mobile phone number, e-mail address, and the like.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. , Or at least one financial account number corresponding to a loan ledger, or the like, or at least one financial account number and an account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or at least one or more OTP code information generated through a predetermined one time password (OTP) generator.

In the technical field to which the present invention pertains, various forms of customer authentication information other than financial institution employee authentication information and / or financial transaction customer authentication information corresponding to customer authentication information on the affiliate shopping mall server 100 are provided. It may be inferred, but the present invention includes all the customer authentication information inferred, whereby the present invention is not limited.

According to an embodiment of the present invention, the customer authentication interface provided to the client terminal 140 may include at least one encryption method (eg, symmetrical) of the customer authentication information (eg, financial institution employee information, or financial transaction customer authentication information). Key based encryption method, and / or public key based encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.). (Eg, financial institution employee information or financial transaction customer authentication information) is a decryption method (eg, symmetric key based decryption method, and / or public) corresponding to the encryption method after receiving the customer authentication information from the financial system. Key-based decryption, and / or electronic envelope decryption, and / or key exchange decryption It is preferred that screen.

Receiving the customer authentication information, the financial system is inputted (or selected) from the client terminal 140 through the customer authentication interface in connection with the ledger D / B provided in the DBMS, the customer authentication information (eg, Financial institution employee information, or financial transaction customer authentication information) characterized in that the customer connected to the affiliate shopping mall server 100 is a member of the financial institution and / or financial transaction customer for the financial institution characterized in that And generating a predetermined customer authentication result corresponding to the customer authentication information.

According to an exemplary embodiment of the present invention, the financial system provides a predetermined customer authentication result corresponding to the customer authentication information to the customer authentication unit 130 of the affiliate shopping mall server 100 through the communication means. It is done.

According to another exemplary embodiment of the present invention, when providing the customer authentication result to the affiliate shopping mall server 100, when the customer corresponding to the customer authentication information is a financial transaction customer for the financial institution, the financial The system checks at least one financial transaction result for the financial transaction customer with reference to the ledger D / B included in the DBMS, and generates predetermined discount rate information (or incentive information) corresponding to the financial transaction result. The customer authentication result and the discount rate information (or incentive information) may be provided to the customer authentication unit 130 of the affiliate shopping mall server 100.

The customer authentication unit 130, which has received a predetermined customer authentication result corresponding to the customer authentication information from the financial system, reads the customer authentication result, so that the affiliate shopping mall server 100 through the client terminal 140. And verifying whether the customer accessing the employee is the employee of the financial institution and / or the financial transaction customer corresponding to the financial institution.

If the reading result of the customer authentication result, the customer connected to the affiliated shopping mall server 100 through the client terminal 140 can not confirm that the employee of the financial institution, and also whether the financial transaction customer corresponding to the financial institution If not, the customer authentication unit 130 performs a customer authentication error procedure for a customer accessing the affiliate shopping mall server 100 through the client terminal 140.

On the other hand, when it is confirmed that the customer accessing the affiliate shopping mall server 100 through the client terminal 140 is the employee of the financial institution, the customer authentication unit 130 is configured to apply the discount rate ( 125, the financial institution employee discount rate is applied to at least one or more product sales information provided to the customer (eg, transmitted to the client terminal 140 through a predetermined web page).

Alternatively, when it is confirmed that the customer accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution, the customer authentication unit 130 reads the customer authentication result. The same discount rate as that of the financial institution employee discount rate is applied to at least one or more product sales information provided to the customer through the discount rate applying unit 125 (eg, transmitted to the client terminal 140 through a predetermined web page). Ask.

Alternatively, as a result of reading the customer authentication result, it is confirmed that the customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution, and the financial transaction customer from the financial system. When predetermined discount rate information (or incentive information) corresponding to the financial transaction performance of the customer is provided, the customer authentication unit 130 provides the customer with the discount rate applying unit 125 (eg, a predetermined webpage). Request that a discount rate corresponding to the discount rate information (or incentive information) is applied to at least one or more product sales information (sent to the client terminal 140).

According to an embodiment of the present invention, when the customer connected through the client terminal 140 by the customer authentication unit 130 is confirmed as the financial institution employee, the interface providing unit 115 is provided in the DBMS. Extracting at least one financial institution employee sales product sales information, in conjunction with the web page operation unit 110 includes the extracted at least one financial institution employee sales product information, the client terminal 140 Generating a predetermined web page including a merchandise sales interface for inputting (or selecting) at least one or more purchase target merchandise among the merchandise included in the merchandise sales information, and generating a web page generated through the network means. The web interface unit 105 is provided to the requesting at least one client terminal 140.

In this case, the discount rate applying unit 125 generates and / or extracts the product sales information and / or the product sales interface for the financial institution employee sales, and the employee of the financial institution in the product sales information. It is characterized by applying a discount rate.

According to another exemplary embodiment of the present invention, when the customer connected through the client terminal 140 by the customer authentication unit 130 is identified as the financial institution employee, the interface providing unit 115 is provided in the DBMS. Extracts at least one financial transaction customer selling product selling information, and includes the extracted at least one financial transaction customer selling product selling information in connection with the webpage operation unit 110, wherein the client terminal 140 Generates a predetermined web page including a product selling interface for inputting (or selecting) at least one or more products to be purchased among products included in the product selling information, wherein the web is generated through the network means. The page is provided to the at least one client terminal 140 requesting the web interface unit 105.

In this case, the discount rate applying unit 125 generates the product sales information and / or the product sales interface for the financial transaction customer sale to the financial institution, and then, if the interface providing unit 115 generates (or extracts) the product sales information. It is characterized by applying the same discount rate as the employee company discount rate.

If the customer authentication unit 130 receives the discount rate information (or incentive information) according to the financial transaction performance of the financial transaction customer from the financial system, the discount rate applying unit 125 is the interface providing unit 115. When generating (or extracting) product sales information and / or product sales interface for the financial transaction customer sale to the financial institution, applying a discount rate corresponding to the discount rate information (or incentive information) to the product sales information. do.

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

The client terminal 140 that receives at least one web page including the merchandise sales information and a 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 affiliate shopping mall server 100.

The information receiver 120 receives at least one item of purchase target product information from the client terminal 140, and receives the at least one item of purchase target product information. The interface providing unit 115 receives the received at least one item of purchase target product information. To provide.

When at least one item of purchase product information is received from the client terminal 140 through the information receiving unit 120, the interface providing unit 115 includes at least one item information corresponding to the item of purchase and a payment amount. Extract payment information including (or confirm), and includes the payment information extracted (or confirmed) in conjunction with the web page operation unit 110, and included in the payment information in the client terminal 140 Generating a predetermined web page including a payment interface for selecting a predetermined payment means for processing a payment amount (eg, a product purchase price), and the generated web generated through the network means The page is provided to the at least one client terminal 140 requesting the web interface unit 105.

The client terminal 140 that has received at least one web page including the payment information and a payment interface, is configured to process a payment amount (eg, a product purchase price) included in the payment information through the payment interface. Input (or select) the financial payment request information of the, and transmits the input (or selected) purchase target financial payment request information to the affiliated shopping mall server (100).

The information receiving unit 120 receives at least one financial payment request information from the client terminal 140, and receives the received financial payment request information to the payment requesting unit 135. do.

When the financial payment request information is received from the client terminal 140 through the information receiving unit 120, the payment requesting unit 135 is included in the payment information to the financial system in response to the financial payment request information. It is characterized in that for requesting the payment processing amount (for example, product purchase price).

When the payment request unit 135 performs a payment procedure for the product to be purchased in the financial system and the payment procedure is normally processed, the affiliate shopping mall server 100 provides a predetermined delivery system (shown in FIG. Omit), and deliver the goods purchased by the customer to the customer.

The financial institution affiliated with the affiliate shopping mall server 100 includes a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one financial transaction customer. It is characterized by.

The financial system provided in the financial institution is provided with a financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, support for branch information, and customer information management And at least one non-face-to-face financial transaction means (e.g., internet banking, wireless, etc.) provided in the interconnection between the financial system and at least one other financial system (and / or payment system) and / or at least one external communication network. Banking, IC chip-based wireless banking, telebanking, TV banking, etc.) Access to the existing financial system, and / or the external system that provides a variety of financial transaction interface through at least one or more common network (eg, CD common network, financial common network), and the financial system is An interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / or) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information, and the like. Types of financial institutions (eg commercial banks, savings banks, trust banks) Depending on the purpose and characteristics of the system, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and the present invention belongs to Those skilled in the art will be familiar with the technical details of the financial system, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

According to an embodiment of the present invention, the ledger D / B includes at least one of a name, a social security number, a mobile phone number, an e-mail address, etc. for the financial transaction customer when a predetermined financial transaction customer makes a first transaction with the financial institution. It is preferable that a customer ledger including financial transaction customer personal information, and / or a customer number of the financial transaction customer, and / or a password corresponding to the customer number be stored.

The ledger D / B may include at least one or more financial account numbers and / or account passwords that are opened when the financial transaction customer opens a predetermined financial account at the financial institution. It is preferable that at least one account ledger (eg, a reception ledger, a loan ledger, etc.) including at least one or more financial transaction details capable of confirming financial transaction performance is stored.

The ledger D / B may include at least one or more card ledgers including at least one or more card numbers and / or card expiration dates when the financial transaction customer issues a predetermined card from the financial institution. For example, a credit card ledger, a check card ledger, or a debit card ledger) is preferably stored.

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, the DBMS provided in the financial system includes predetermined employee identification information (eg, executive code (or number), or employee code (or number), etc.) for at least one or more employees working at the financial institution. It is made by including a password, characterized in that it further comprises an employee information D / B for storing the employee information made by including the personnel information for the employee further.

According to an embodiment of the present invention, the financial system provided in the financial institution is provided through at least one window terminal and a predetermined financial network (for example, a branch network) provided in branches (and / or branch offices) of the financial institution. Characterized in that the connection, and provides a face-to-face financial transaction services for at least one financial transaction customer through the window terminal, and predetermined financial transaction details that can confirm the financial transaction performance of the customer during the financial transaction process Points recorded in the ledger D / B and / or corresponding to the financial transaction details are accumulated through the ledger D / B.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that through the financial terminal, provides a non-face-to-face financial transaction services for at least one financial transaction customer, and predetermined financial financing that can confirm the financial transaction performance of the customer in the financial transaction process Transaction details are recorded in the ledger D / B, and / or points corresponding to the financial transaction details are accumulated through the ledger D / B.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one or more client terminals 140 (eg, a personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, the wireless LAN. / Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with a mobile Internet access and browsing function, and the financial transaction performance of the customer during the financial transaction process A predetermined financial transaction history is recorded in the ledger D / B and / or a coin corresponding to the financial transaction history Wherein the ledger is credited with the D / B.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). And a predetermined financial transaction history for confirming the financial transaction performance of the customer in the financial transaction process is recorded in the ledger D / B, and / or The points corresponding to the financial transaction details are accumulated through the ledger D / B.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and a predetermined financial transaction history for confirming the financial transaction performance of the customer in the financial transaction process is recorded in the ledger D / B, and / or the financial Points corresponding to the transaction details are accumulated through the ledger D / B.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone, etc.) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, and a predetermined financial transaction history for confirming the financial transaction performance of the customer in the financial transaction process is the ledger. Points recorded in D / B and / or corresponding to the financial transaction details are accumulated through the ledger D / B.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and a predetermined financial transaction history for confirming the financial transaction performance of the customer in the financial transaction process is recorded in the ledger D / B, or And / or points corresponding to the financial transaction details are accumulated through the ledger D / B.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., and a predetermined financial transaction history for confirming the financial transaction performance of the customer in the financial transaction process is the ledger D. Points recorded in / B and / or corresponding to the financial transaction details are accumulated through the ledger D / B.

In the case where the affiliate shopping mall server 100 provides a predetermined client authentication interface to the client terminal 140 according to an embodiment of the present invention, the affiliate shopping mall server 100 performs the client terminal 140. When the customer connected through the financial institution is confirmed as an employee of the financial institution, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system is connected to the affiliate shopping mall server 100. Information receiving unit 150 for receiving predetermined customer authentication information including financial institution employee authentication information transmitted from the client terminal 140, and the employee information D / provided in the DBMS on the received customer authentication information and the financial system Check the information to check whether the customer corresponding to the customer authentication information is the employee of the financial institution by comparing the employee information stored in B Is a 160 and a predetermined customer authentication result information including the check result obtained by having characterized in that the information transmission section 170 for transmitting to the affiliate shopping mall server 100.

Here, the information verification unit 160 is a predetermined employee identification information (for example, executive code (or number), or employee code (or number), etc.) and / or employee of the financial institution employee authentication information included in the customer authentication information By comparing the password with the employee identification information (eg, executive code (or number), or employee code (or number), etc.) and / or password among the employee information stored in the employee information D / B, the client terminal 140 It is preferable to check whether the customer who is connected to the affiliate shopping mall server 100 through the financial institution employee.

According to another embodiment of the present invention, in the case of directly providing a predetermined customer authentication interface to the client terminal 140 in the financial system linked with the affiliate shopping mall server 100 through a predetermined communication means, the client When the customer connected through the terminal 140 is identified as an employee of the financial institution, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system may include the affiliate shopping mall server ( Input information receiving unit 150 for receiving communication session information about the client terminal 140 from the client terminal 140 and at least one financial institution employee authentication information in the client terminal 140 through the received communication session information ( Or by generating a web page including a customer authentication interface to transmit to the financial system. The interface processor 155 is provided to the client terminal 140 and receives predetermined customer authentication information including employee authentication information of a financial institution that is input (or selected) and transmitted from the client terminal 140 through the customer authentication interface. ) And an information checking unit for comparing the received customer authentication information with employee information stored in the employee information D / B provided in the DBMS on the financial system to determine whether the customer corresponding to the customer authentication information is an employee of the financial institution. 160 and an information transmitter 170 for transmitting a predetermined customer authentication result including the information verification result to the affiliate shopping mall server 100.

Here, the information verification unit 160 is a predetermined employee identification information (for example, executive code (or number), or employee code (or number), etc.) and / or employee of the financial institution employee authentication information included in the customer authentication information By comparing the password with the employee identification information (eg, executive code (or number), or employee code (or number), etc.) and / or password among the employee information stored in the employee information D / B, the client terminal 140 It is preferable to check whether the customer who is connected to the affiliate shopping mall server 100 through the financial institution employee.

According to another embodiment of the present invention, in the case where the affiliate shopping mall server 100 and the financial system are directly connected to the client terminal 140 to provide a predetermined client authentication interface, the client terminal 140 When the customer connected through the financial institution is confirmed as an employee of the financial institution, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system, the affiliate shopping mall server 100 An information receiver 150 for receiving predetermined customer authentication information including employee authentication information of a financial institution transmitted from the client terminal 140 based on a predetermined customer authentication interface provided to the client terminal 140, and receiving the received information. The customer authentication information and the employee information stored in the employee information D / B provided in the DBMS on the financial system. An information confirmation unit 160 for confirming whether the customer corresponding to the customer authentication information is an employee of the financial institution, and an information transmission unit for transmitting a predetermined customer authentication result including the information verification result to the affiliate shopping mall server 100 ( And 170).

Here, the information verification unit 160 is a predetermined employee identification information (for example, executive code (or number), or employee code (or number), etc.) and / or employee of the financial institution employee authentication information included in the customer authentication information By comparing the password with the employee identification information (eg, executive code (or number), or employee code (or number), etc.) and / or password among the employee information stored in the employee information D / B, the client terminal 140 It is preferable to check whether the customer who is connected to the affiliate shopping mall server 100 through the financial institution employee.

In the case where the affiliate shopping mall server 100 provides a predetermined client authentication interface to the client terminal 140 according to an embodiment of the present invention, the affiliate shopping mall server 100 performs the client terminal 140. When the customer connected to the affiliate shopping mall server 100 is identified as the financial transaction customer, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system, the affiliate An information receiving unit 150 for receiving predetermined customer authentication information including financial transaction customer authentication information transmitted from the client terminal 140 through the shopping mall server 100, and the received customer authentication information and the financial system. The customer corresponding to the customer authentication information by comparing the ledger information (for example, customer ledger, account ledger, etc.) stored in the ledger D / B provided in the DBMS An information confirmation unit 160 for confirming whether the customer is a financial transaction customer for the financial institution, and the information transmission unit 170 for transmitting a predetermined customer authentication result including the information check result to the affiliated shopping mall server 100. It is characterized by comprising.

In the above method, when the customer corresponding to the customer authentication information is confirmed as the financial transaction customer for the financial institution through the information confirmation unit 160, the financial company server 145 is ledger D provided in the DBMS Confirm the financial transaction performance of the financial transaction customer by referring to the financial instrument information (eg, at least one financial transaction history provided in the account ledger), and predetermined discount rate information corresponding to the confirmed financial transaction performance; And a discount rate generation unit 165 for generating incentive information, wherein the information receiver 150 stores the customer authentication result and the generated discount rate information (or incentive information). Characterized in that the transmission to the affiliate shopping mall server (100).

Here, the information verification unit 160 includes a financial transaction customer personal information including at least one name, resident registration number, mobile phone number, e-mail address, etc. for the financial transaction customer authentication information included in the customer authentication information If the information is included, the financial transaction customer personal information including at least one or more of the name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the ledger D / B By comparing and authenticating the financial transaction customer personal information included in the customer ledger stored in the client, whether the customer accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. It is desirable to confirm.

In addition, the information checking unit 160 is included in the financial transaction customer authentication information when the financial transaction customer authentication information included in the customer authentication information includes the customer number of the financial transaction customer, or the customer number and password. By comparing and authenticating the customer number of the financial transaction customer, or the customer number and password, the customer number of the financial transaction customer included in the customer ledger stored in the ledger D / B, or the customer number and password, Preferably, the client accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution.

In addition, the information check unit 160, if the financial transaction customer authentication information included in the customer authentication information includes at least one financial account number, or the financial account number and account password, the financial transaction customer authentication information At least one financial account number included, or at least one financial account included in the financial account number and account password, and at least one account ledger stored in the ledger D / B (eg, a receiving ledger, a loan ledger, etc.). By comparing and authenticating a number or an account password with an account password, it is preferable to confirm whether a customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. .

In addition, the information checking unit 160 is included in the financial transaction customer authentication information, if the financial transaction customer authentication information included in the customer authentication information includes at least one card number, or the card number number and the expiration date. At least one card number, or the card number number and expiration date, and at least one card ledger (e.g., a credit card ledger, a check card ledger, or a debit card ledger, etc.) stored in the ledger D / B. By comparing and authenticating at least one or more card numbers or the expiration date with the card number, it is determined whether a customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. It is desirable to.

In addition, the information verification unit 160 is at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided in the security card, the financial transaction customer authentication information included in the customer authentication information, And / or OTP code information generated through a predetermined one time password (OTP) generator, at least one ID / PW information for non-face-to-face financial transactions included in the financial transaction customer authentication information, and / or security. At least one security code provided on the card, and / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, an internet banking system and / or a telebanking system; and / Or at least one hypertrophy stored in a DBMS on a non-face-to-face financial transaction system including at least one of a wireless banking system and / or a TV banking system and / or a home banking system. The client terminal by comparing and authenticating ID / PW information for financial transactions, and / or at least one or more security codes included in the security card, and / or OTP code information generated through a predetermined one time password (OTP) generator, It is preferable to check whether the customer accessing the affiliate shopping mall server 100 through the 140 is a financial transaction customer for the financial institution.

According to another embodiment of the present invention, in the case of directly providing a predetermined customer authentication interface to the client terminal 140 in the financial system linked with the affiliate shopping mall server 100 through a predetermined communication means, the client When the customer connected to the affiliate shopping mall server 100 through the terminal 140 is identified as the financial transaction customer, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system. ) Is an information receiver 150 for receiving communication session information on the client terminal 140 from the affiliate shopping mall server 100 and at least one or more at the client terminal 140 through the received communication session information. And a customer authentication interface for inputting (or selecting) financial transaction customer authentication information to the financial system. Generates a web page and provides the client terminal 140 with predetermined customer authentication information including financial transaction customer authentication information which is input (or selected) and transmitted from the client terminal 140 through the customer authentication interface. The receiving interface processor 155 compares the received customer authentication information with the ledger information (eg, a customer ledger, an account ledger, etc.) stored in the ledger D / B provided in the DBMS on the financial system. An information confirmation unit 160 for confirming whether the corresponding customer is a financial transaction customer for the financial institution, and an information transmission unit for transmitting a predetermined customer authentication result including the information verification result to the affiliate shopping mall server 100 ( And 170).

In the above method, when the customer corresponding to the customer authentication information is confirmed as the financial transaction customer for the financial institution through the information confirmation unit 160, the financial company server 145 is ledger D provided in the DBMS Confirm the financial transaction performance of the financial transaction customer by referring to the financial instrument information (eg, at least one financial transaction history provided in the account ledger), and predetermined discount rate information corresponding to the confirmed financial transaction performance; And a discount rate generation unit 165 for generating incentive information, wherein the information receiver 150 stores the customer authentication result and the generated discount rate information (or incentive information). Characterized in that the transmission to the affiliate shopping mall server (100).

Here, the information verification unit 160 includes a financial transaction customer personal information including at least one name, resident registration number, mobile phone number, e-mail address, etc. for the financial transaction customer authentication information included in the customer authentication information If the information is included, the financial transaction customer personal information including at least one or more of the name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the ledger D / B By comparing and authenticating the financial transaction customer personal information included in the customer ledger stored in the client, confirming whether the customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. It is desirable to.

In addition, the information checking unit 160 is included in the financial transaction customer authentication information when the financial transaction customer authentication information included in the customer authentication information includes the customer number of the financial transaction customer, or the customer number and password. By comparing and authenticating the customer number of the financial transaction customer, or the customer number and password, the customer number of the financial transaction customer included in the customer ledger stored in the ledger D / B, or the customer number and password, Preferably, the client accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution.

In addition, the information check unit 160, if the financial transaction customer authentication information included in the customer authentication information includes at least one financial account number, or the financial account number and account password, the financial transaction customer authentication information At least one financial account number included, or at least one financial account included in the financial account number and account password, and at least one account ledger stored in the ledger D / B (eg, a receiving ledger, a loan ledger, etc.). By comparing and authenticating a number or an account password with an account password, it is preferable to confirm whether a customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. .

In addition, the information checking unit 160 is included in the financial transaction customer authentication information, if the financial transaction customer authentication information included in the customer authentication information includes at least one card number, or the card number number and the expiration date. At least one card number, or the card number number and expiration date, and at least one card ledger (e.g., a credit card ledger, a check card ledger, or a debit card ledger, etc.) stored in the ledger D / B. By comparing and authenticating at least one or more card numbers or the expiration date with the card number, it is determined whether a customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. It is desirable to.

In addition, the information verification unit 160 is at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided in the security card, the financial transaction customer authentication information included in the customer authentication information, And / or OTP code information generated through a predetermined one time password (OTP) generator, at least one ID / PW information for non-face-to-face financial transactions included in the financial transaction customer authentication information, and / or security. At least one security code provided on the card, and / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, an internet banking system and / or a telebanking system; and / Or at least one hypertrophy stored in a DBMS on a non-face-to-face financial transaction system including at least one of a wireless banking system and / or a TV banking system and / or a home banking system. The client terminal by comparing and authenticating ID / PW information for financial transactions, and / or at least one or more security codes included in the security card, and / or OTP code information generated through a predetermined one time password (OTP) generator, It is preferable to check whether the customer accessing the affiliate shopping mall server 100 through the 140 is a financial transaction customer for the financial institution.

According to another embodiment of the present invention, in the case where the affiliate shopping mall server 100 and the financial system are directly connected to the client terminal 140 to provide a predetermined client authentication interface, the client terminal 140 When the customer connected to the affiliate shopping mall server 100 is confirmed as the financial transaction customer, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system, Information for receiving predetermined customer authentication information including financial transaction customer authentication information transmitted from the client terminal 140 based on a predetermined customer authentication interface provided to the client terminal 140 by the affiliate shopping mall server 100. Receiving unit 150, the received customer authentication information and the ledger information stored in the ledger D / B provided in the DBMS on the financial system (for example , The customer ledger, the account ledger, etc.) to determine whether the customer corresponding to the customer authentication information is a financial transaction customer for the financial institution, and a predetermined customer authentication including the information verification result. Characterized in that the information transmission unit 170 for transmitting a result to the affiliated shopping mall server 100.

In the above method, when the customer corresponding to the customer authentication information is confirmed as the financial transaction customer for the financial institution through the information confirmation unit 160, the financial company server 145 is ledger D provided in the DBMS Confirm the financial transaction performance of the financial transaction customer by referring to the financial instrument information (eg, at least one financial transaction history provided in the account ledger), and predetermined discount rate information corresponding to the confirmed financial transaction performance; And a discount rate generation unit 165 for generating incentive information, wherein the information receiver 150 stores the customer authentication result and the generated discount rate information (or incentive information). Characterized in that the transmission to the affiliate shopping mall server (100).

Here, the information verification unit 160 includes a financial transaction customer personal information including at least one name, resident registration number, mobile phone number, e-mail address, etc. for the financial transaction customer authentication information included in the customer authentication information If the information is included, the financial transaction customer personal information including at least one or more of the name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the ledger D / By comparing and authenticating the financial transaction customer personal information included in the customer ledger stored in B, whether the customer accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. It is desirable to confirm.

In addition, the information checking unit 160 is included in the financial transaction customer authentication information when the financial transaction customer authentication information included in the customer authentication information includes the customer number of the financial transaction customer, or the customer number and password. By comparing and authenticating the customer number of the financial transaction customer, or the customer number and password, the customer number of the financial transaction customer included in the customer ledger stored in the ledger D / B, or the customer number and password, Preferably, the client accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution.

In addition, the information check unit 160, if the financial transaction customer authentication information included in the customer authentication information includes at least one financial account number, or the financial account number and account password, the financial transaction customer authentication information At least one financial account number included, or at least one financial account included in the financial account number and account password, and at least one account ledger stored in the ledger D / B (eg, a receiving ledger, a loan ledger, etc.). By comparing and authenticating a number, or the financial account number and the account password, it is preferable to confirm whether the customer accessing the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. Do.

In addition, the information checking unit 160 is included in the financial transaction customer authentication information, if the financial transaction customer authentication information included in the customer authentication information includes at least one card number, or the card number number and the expiration date. At least one card number, or the card number number and expiration date, and at least one card ledger (e.g., a credit card ledger, a check card ledger, or a debit card ledger, etc.) stored in the ledger D / B. By comparing and authenticating at least one or more card numbers or the expiration date with the card number, it is determined whether a customer who accesses the affiliate shopping mall server 100 through the client terminal 140 is a financial transaction customer for the financial institution. It is desirable to.

In addition, the information verification unit 160 is at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided in the security card, the financial transaction customer authentication information included in the customer authentication information, And / or OTP code information generated through a predetermined one time password (OTP) generator, at least one ID / PW information for non-face-to-face financial transactions included in the financial transaction customer authentication information, and / or security. At least one security code provided on the card, and / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, an internet banking system and / or a telebanking system; and / Or at least one hypertrophy stored in a DBMS on a non-face-to-face financial transaction system including at least one of a wireless banking system and / or a TV banking system and / or a home banking system. The client terminal by comparing and authenticating ID / PW information for financial transactions, and / or at least one or more security codes included in the security card, and / or OTP code information generated through a predetermined one time password (OTP) generator, It is preferable to check whether the customer accessing the affiliate shopping mall server 100 through the 140 is a financial transaction customer for the financial institution.

According to the present invention, the financial company server 145 connected to the affiliate shopping mall server 100 through a predetermined communication means on the financial system, the payment request unit 135 provided in the affiliate shopping mall server 100 and It is characterized in that it comprises a payment processing unit 175 for performing a payment processing procedure for the payment amount (eg, product purchase price) included in the payment information.

According to an embodiment of the present invention, the payment processing for the payment amount (eg, product purchase price) included in the payment information from the payment request unit 135 provided in the affiliate shopping mall server 100 to the financial system. Is requested, the payment processing unit 175 is associated with the financial account balance (or check card) of the financial transaction customer (or financial institution employee) with reference to the ledger information (eg, account ledger) provided in the DBMS of the financial system. Check an account balance or an account balance associated with a debit card), and if the financial account balance can process the payment amount according to the verification result, generate predetermined payment approval information and generate the predetermined payment approval information. It is characterized in that it is provided to the payment request unit 135 provided in the server 100, when the financial account balance is impossible to process payment for the payment amount, a predetermined Generating a first error information, characterized in that provided in the payment request unit 135 provided in the affiliate shopping mall server 100.

According to an embodiment of the present invention, the payment processing unit 175 may refer to the ledger information (for example, the customer ledger) provided in the DBMS of the financial system when the financial account balance enables payment processing for the payment amount. Check the wireless terminal information (eg, mobile phone number) of the financial transaction customer (or financial institution employee), and the payment information based on the balance of the financial account through the wireless terminal of the financial transaction customer (or financial institution employee). It is preferable to further include a function for obtaining a payment approval for the payment amount (eg, product purchase price) included in.

In the implementation method, the payment processing unit 175 periodically withdraws a payment amount corresponding to the payment approval information from a financial account of the financial transaction customer (or financial institution employee) to the affiliate shopping mall server 100 (or a product). The payment amount is settled by depositing the money into a financial account corresponding to the seller).

According to another exemplary embodiment of the present invention, the payment for the payment amount (eg, purchase price of goods) included in the payment information from the payment request unit 135 provided in the affiliate shopping mall server 100 to the financial system. When processing is requested, the payment processing unit 175 refers to the card limit (eg, credit card limit) of a financial transaction customer (or employee of a financial institution) by referring to ledger information (eg, card ledger) provided in the DBMS of the financial system. When the card limit is settled according to the result of the check and the payment is possible for the payment amount, the predetermined payment approval information is generated to the payment request unit 135 provided in the affiliate shopping mall server 100. Characterized in that, if the card limit is unable to process payment for the payment amount, generates a predetermined payment error information to the affiliate shopping mall server 100 The is characterized in that provided in the payment request unit 135.

According to the method of the present invention, the payment processing unit 175 refers to the ledger information (for example, the customer ledger) provided in the DBMS of the financial system when the card limit is available for payment processing for the payment amount. Check the wireless terminal information (e.g. mobile phone number) of the financial transaction customer (or financial institution employee) and include it in the payment information based on the card limit through the wireless terminal of the financial transaction customer (or financial institution employee). It is preferable to further include a function for obtaining a payment approval for the settled payment amount (eg, product purchase price).

In the implementation method, the payment processing unit 175 periodically deposits a payment amount corresponding to the payment approval information to a financial account corresponding to the affiliate shopping mall server 100 (or a product seller) to settle the payment amount. It is characterized by processing.

According to another exemplary embodiment of the present invention, the payment request unit 135 provided in the affiliated shopping mall server 100 to the financial system for the payment amount (eg, product purchase price) included in the payment information. When the payment processing is requested, the payment processing unit 175 checks the points accumulated to the financial transaction customers (or employees of financial institutions) by referring to the ledger information (for example, the account ledger) provided in the DBMS of the financial system. When the accumulated point is possible to process payment for the payment amount, the predetermined payment approval information is generated and provided to the payment request unit 135 provided in the affiliate shopping mall server 100. If the accumulated points cannot be processed for the payment amount, a predetermined payment error information is generated and provided to the affiliate shopping mall server 100. It characterized by providing a group payment request unit 135. The

According to an embodiment of the present invention, the payment processing unit 175 refers to the ledger information (for example, the customer ledger) provided in the DBMS of the financial system when the earning point is capable of payment processing for the payment amount. Check the wireless terminal information (for example, mobile phone number) of the financial transaction customer (or employee of the financial institution), and through the wireless terminal of the financial transaction customer (or financial institution employee) to the payment information based on the accumulated points It is preferable to further include a function for obtaining a payment approval for the included payment amount (eg, product purchase price).

In the implementation method, the payment processing unit 175 periodically converts points accumulated in the financial transaction customer (or financial institution employee) into predetermined cash, and the payment amount corresponding to the payment approval information among the converted amounts. Deposit the money into a financial account corresponding to the affiliated shopping mall server 100 (or a product seller) to settle the settlement amount.

2 is a diagram illustrating a process of selecting an affiliate shopping customer group according to an exemplary embodiment of the present invention.

In more detail, in FIG. 2, in the affiliated shopping mall system illustrated in FIG. 1, a client terminal 140 having a predetermined customer having at least one web browser program is connected to the affiliated shopping mall illustrated in FIG. 1 through predetermined network means. When connected to the server 100, whether the customer connected through the client terminal 140 from the affiliate shopping mall server 100 is an employee of a financial institution affiliated with the affiliate shopping mall or a financial transaction customer corresponding to the financial institution Regarding the process of selecting the perception, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer various implementation methods for the affiliate shopping customer group selection process according to the present invention. As will be appreciated, the present invention encompasses all implementation methods inferred from the above, and the implementation method illustrated in FIG. It is not limited to this.

Hereinafter, in FIG. 2, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as a "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 is called "server" for convenience.

Referring to FIG. 2, the terminal connects the communication channel for internet shopping between the terminal and the server by connecting to the server through a predetermined network means (200) by using a predetermined web browser program, thereby. The server is assigned a predetermined communication session for the terminal.

As described above, when a communication channel for internet shopping is connected between the terminal and the server (or a communication session for the terminal is allocated to the server), the server generates a web page including a predetermined customer group selection interface and generates the network. Means for transmitting to the terminal through the means (205), and correspondingly, the terminal accesses the server through the terminal through a customer group selection interface included in the web page, whether the employee is a member of a financial institution or the financial institution. It is selected whether the corresponding financial transaction customer (210).

If a customer group (eg, a financial institution employee or a financial transaction customer) corresponding to a customer connected through the terminal is selected (215), the terminal transmits predetermined customer group selection information to the server through the customer group selection interface. In response, the server reads the received customer group selection information and checks whether the customer connected through the terminal is an employee of a financial institution affiliated with the server or a financial transaction customer corresponding to the financial institution. (225).

If the customer accessing the server through the terminal is a financial transaction customer corresponding to the financial institution affiliated with the server (230), the server is a financial transaction customer authentication procedure as shown in Figure 3 and / or Figure 4 Perform

If the customer accessing the server through the terminal is an employee of a financial institution affiliated with the server (230), the server performs a financial transaction customer authentication procedure as shown in FIG.

3 is a diagram illustrating a process of authenticating an affiliate shopping customer according to an exemplary embodiment of the present invention.

In more detail, in FIG. 3, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having a predetermined customer having at least one web browser program is connected to a predetermined network means through the process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the customer accessing the affiliate shopping server is identified as a financial transaction customer corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interwork with each other to authenticate the financial transaction customer and apply a discount rate for the affiliated shopping. The client authentication interface provided to the client terminal 140 directly from the affiliate shopping mall server 100 In the embodiment of the present invention, the client terminal 140 inputs (or selects) predetermined financial transaction customer authentication information through the customer authentication interface, and transmits it directly to the affiliate shopping mall server 100. When the validity of the financial transaction customer is authenticated by the financial company server 145, the affiliated shopping mall server 100 applies the discount rate of the financial transaction customer to the same rate as the discount rate of the employee of the financial institution. .

Those skilled in the art to which the present invention pertains may refer to various modifications of the process of authenticating the affiliate shopping customer according to the present invention by referring to and / or modifying the drawing 3, but the present invention may be inferred. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as a "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 is called "server" for convenience.

Referring to FIG. 3, when a customer who accesses the server through the terminal is identified as a financial transaction customer corresponding to the financial institution through the process illustrated in FIG. 2, the server corresponds to a predetermined transaction corresponding to the financial transaction customer. Generate a web page including a customer authentication interface of and transmits it to the terminal through the network means (300), and correspondingly, the terminal transmits at least one customer authentication information through the customer authentication interface included in the web page. Enter (or select) 305.

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. , Or at least one financial account number corresponding to a loan ledger, or the like, or at least one financial account number and an account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or preferably comprises at least one or more OTP code information generated through a predetermined OTP (One Time Password) generator.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to financial transaction customer authentication information corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial transaction customer authentication information is input (or selected) through the customer authentication interface (310), the terminal is input (or selected) at least one financial transaction customer authentication information through the customer authentication interface In step 315, the server receives the financial transaction customer authentication information and relays the data to the financial institution server 145 through a predetermined communication means (320).

The financial company server 145 receiving the financial transaction customer authentication information verifies the validity of the financial transaction customer authentication information (325).

According to an embodiment of the present invention, the server includes the financial transaction customer personal information including at least one or more of the name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer authentication information. A financial transaction customer personal information including at least one of a name, a resident registration number, a mobile phone number, an e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the customer provided in the DBMS on the financial system. By comparing and authenticating the financial transaction customer personal information included in the ledger, it is desirable to authenticate the validity of the financial transaction customer.

In addition, when the financial transaction customer authentication information includes the customer number of the financial transaction customer, or the customer number and password, the server number of the financial transaction customer included in the financial transaction customer authentication information, or the Comparing and authenticating a customer number and password, the customer number of the financial transaction customer included in the customer ledger provided in the DBMS on the financial system, or the customer number and password, thereby authenticating the validity of the financial transaction customer. It is preferable.

The server may further include at least one financial account number included in the financial transaction customer authentication information when the financial transaction customer authentication information includes at least one financial account number or the financial account number and an account password. A financial account number and an account password, and at least one financial account number included in a DBMS on the financial system (eg, a reception ledger, a loan ledger, etc.), or the financial account number and an account password. By comparing and authenticating, it is desirable to authenticate the validity of the financial transaction customers.

In addition, when the financial transaction customer authentication information includes at least one or more card numbers, or the card number number and the expiration date, the server includes at least one or more card numbers included in the financial transaction customer authentication information, or the card number. A number and expiration date, and at least one card number included in at least one card ledger (eg, credit card ledger, check card ledger, or debit card ledger, etc.) provided in the DBMS on the financial system, or the card number By comparing and authenticating the number and the expiration date, it is desirable to authenticate the validity to the financial transaction customer.

The server may further include at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided on the security card, and / or a predetermined one time password (OTP) in the financial transaction customer authentication information. At least one non-face-to-face financial transaction ID / PW information included in the financial transaction customer authentication information, and / or at least one security code included in the security card when OTP code information generated through the generator is included, and And / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, internet banking system and / or telebanking system and / or wireless banking system and / or TV banking system, and And / or at least one ID / PW information for non-face-to-face financial transactions stored in a DBMS on a non-face-to-face financial transaction system including at least one or more home banking systems, and / or security. By comparing and authenticating the security code of the at least one or more, and / or the OTP code information generated by the (One Time Password) predetermined OTP generator provided in DE, it is desirable to authenticate the validity of the financial transaction customers.

If the validity of the financial transaction customer is not authenticated (330), the financial company server 145 generates a customer authentication result including predetermined financial transaction customer authentication error information and transmits the result to the server (335). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (340), and ends the affiliate shopping process according to the present invention.

If the validity of the financial transaction customer is authenticated (330), the financial institution server 145 generates a customer authentication result including predetermined financial transaction customer authentication success information and transmits the result to the server (345), and responds thereto. Thus, the server applies the discount rate of the financial transaction customer to the financial institution employee discount rate (350).

4 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

In more detail, in FIG. 4, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having a predetermined customer having at least one web browser program is connected to a predetermined network means through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the client accessing the affiliate shopping server through the client terminal 140 is identified as a financial transaction customer corresponding to the financial institution. A process of applying the discount rate for the affiliated shopping and authentication of the financial transaction customer by interworking with the affiliate shopping mall server 100 and the financial company server 145 provided in the financial institution. The client authentication interface provided to the client terminal 140 for the client directly to the affiliate shopping mall server 100 In the embodiment of the present invention, the client terminal 140 inputs (or selects) predetermined financial transaction customer authentication information through the customer authentication interface, and transmits it directly to the affiliate shopping mall server 100. When the validity of the financial transaction customer is authenticated by the financial company server 145, the affiliate shopping mall server 100 refers to the discount rate information (or incentive information) provided by the financial company server 145. It is about the method of applying a discount rate.

Those skilled in the art to which the present invention pertains can refer to various examples of the process of authenticating the affiliate shopping customer according to the present invention by referring to and / or modifying the drawing 4, but the present invention can be inferred. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as a “terminal” for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 4, when the customer connected to the server through the terminal is identified as a financial transaction customer corresponding to the financial institution through the process illustrated in FIG. 2, the server may be configured to correspond to the financial transaction customer. A web page including a customer authentication interface of the web server is generated and transmitted to the terminal through the network means (400), and correspondingly, the terminal corresponds to at least one or more customer authentication information through the customer authentication interface included in the web page. Enter (or select) 405.

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. , Or at least one financial account number corresponding to a loan ledger, or the like, or at least one financial account number and an account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or preferably comprises at least one or more OTP code information generated through a predetermined OTP (One Time Password) generator.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to financial transaction customer authentication information corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial transaction customer authentication information is input (or selected) through the customer authentication interface (410), the terminal includes at least one financial transaction customer authentication information (or selected) through the customer authentication interface. 415 is transmitted to the server, and in response, the server receives the financial transaction customer authentication information and relays it to the financial company server 145 through a predetermined communication means (420).

The financial company server 145 having received the financial transaction customer authentication information verifies the validity of the financial transaction customer authentication information (425).

According to an embodiment of the present invention, the server includes the financial transaction customer personal information including at least one or more of the name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer authentication information. A financial transaction customer personal information including at least one of a name, a resident registration number, a mobile phone number, an e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the customer provided in the DBMS on the financial system. By comparing and authenticating the financial transaction customer personal information included in the ledger, it is desirable to authenticate the validity of the financial transaction customer.

In addition, when the financial transaction customer authentication information includes the customer number of the financial transaction customer, or the customer number and password, the server number of the financial transaction customer included in the financial transaction customer authentication information, or the Comparing and authenticating a customer number and password, the customer number of the financial transaction customer included in the customer ledger provided in the DBMS on the financial system, or the customer number and password, thereby authenticating the validity of the financial transaction customer. It is preferable.

The server may further include at least one financial account number included in the financial transaction customer authentication information when the financial transaction customer authentication information includes at least one financial account number or the financial account number and an account password. A financial account number and an account password, and at least one financial account number included in a DBMS on the financial system (eg, a reception ledger, a loan ledger, etc.), or the financial account number and an account password. By comparing and authenticating, it is desirable to authenticate the validity of the financial transaction customers.

In addition, when the financial transaction customer authentication information includes at least one or more card numbers, or the card number number and the expiration date, the server includes at least one or more card numbers included in the financial transaction customer authentication information, or the card number. A number and expiration date, and at least one card number included in at least one card ledger (eg, credit card ledger, check card ledger, or debit card ledger, etc.) provided in the DBMS on the financial system, or the card number By comparing and authenticating the number and the expiration date, it is desirable to authenticate the validity to the financial transaction customer.

The server may further include at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided on the security card, and / or a predetermined one time password (OTP) in the financial transaction customer authentication information. At least one non-face-to-face financial transaction ID / PW information included in the financial transaction customer authentication information, and / or at least one security code included in the security card when OTP code information generated through the generator is included, and And / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, internet banking system and / or telebanking system and / or wireless banking system and / or TV banking system, and And / or at least one ID / PW information for non-face-to-face financial transactions stored in a DBMS on a non-face-to-face financial transaction system including at least one or more home banking systems, and / or security. By comparing and authenticating the security code of the at least one or more, and / or the OTP code information generated by the (One Time Password) predetermined OTP generator provided in DE, it is desirable to authenticate the validity of the financial transaction customers.

If the validity of the financial transaction customer is not authenticated (430), the financial company server 145 generates a customer authentication result including predetermined financial transaction customer authentication error information and transmits it to the server (435). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (440), and ends the affiliate shopping process according to the present invention.

If the validity of the financial transaction customer is authenticated (430), the financial company server 145 generates a customer authentication result including the predetermined financial transaction customer authentication success information (445), provided in the DBMS on the financial system Based on the financial transaction history included in the at least one account ledger, the financial transaction performance of the financial transaction customer is checked to generate differential discount rate information (or incentive information) for the financial transaction customer (450).

According to the method of the present invention, the method of generating the differential discount information (or incentive information) for the financial transaction customer by confirming the financial transaction performance of the financial transaction customer in the financial institution server 145, It is the same as (or similar to) a method of calculating the financial transaction customer's financial transaction performance and calculating a rating (eg, excellent customer selection) for the financial transaction customer. It is desirable for the discount rate (or incentive) to be greater.

Thereafter, the financial institution server 145 transmits the customer authentication result and the discount rate information (or incentive information) to the server (455), and correspondingly, the server converts the discount rate of the financial transaction customer to the financial institution server 145. In operation 460, the discount rate corresponding to the discount rate information (or incentive information) received from FIG.

5 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

In more detail, in FIG. 5, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program is provided by a client to a predetermined network means through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the client accessing the affiliate shopping server through the client terminal 140 is identified as an employee of a financial institution corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interlock with each other to authenticate the financial institution employees and apply a discount rate for the affiliated shopping. The customer authentication interface provided to the client terminal 140 is directly transferred from the affiliate shopping mall server 100. If the client terminal 140 is provided to the client terminal 140, the client terminal 140 directly inputs (or selects) predetermined financial institution employee authentication information to the affiliate shopping mall server 100 through the customer authentication interface. In the case where the validity of the financial institution employee is authenticated by the financial company server 145, the affiliated shopping mall server 100 applies a predetermined discount rate corresponding to the financial institution employee.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the process of authenticating affiliate shopping customers according to the present invention by referring to and / or modifying the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 5, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 5, when a customer who accesses the server through the terminal is identified as an employee of a financial institution corresponding to the financial institution through the process illustrated in FIG. 2, the server may determine a predetermined value corresponding to the employee of the financial institution. Generate a web page including a customer authentication interface of the client and transmit the web page to the terminal through the network means (500), and correspondingly, the terminal authenticates at least one or more customers through the customer authentication interface included in the web page. Information is entered (or selected) (505).

According to the implementation method of the present invention, the financial institution employee authentication information, employee identification information (eg, executive code (or number), or employee code (or number), etc.) assigned to at least one or more employees by the financial institution, or It is preferable to include the employee identification information and a predetermined password, it is possible to further include the name and / or resident registration number of the employee according to the intention of the skilled person.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to employee authentication information of financial institutions corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial institution employee authentication information is input (or selected) through the customer authentication interface (510), the terminal is input (or selected) at least one financial institution employee authentication information through the customer authentication interface. In step 515, the server receives the financial institution employee authentication information and relays the received information to the financial company server 145 through a predetermined communication means (520).

The financial institution server 145 which has received the financial institution employee authentication information checks the validity of the financial institution employee authentication information (525).

According to the implementation method of the present invention, the server may include predetermined employee identification information (eg, executive code (or number), employee code (or number), etc.) among financial institution employee authentication information included in the customer authentication information, and / Or by comparing the password with the employee identification information (eg, executive code (or number), employee code (or number), etc.) and / or password among the employee information stored in the employee information D / B, the client terminal 140. It is preferable to check whether the customer accessing the affiliate shopping mall server 100 is a member of the financial institution.

If the validity of the employees of the financial institution is not authenticated (530), the financial institution server 145 generates a customer authentication result including predetermined financial institution employee authentication error information and transmits the result to the server (535). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (540), and ends the affiliate shopping process according to the present invention.

If the validity of the employee of the financial institution is authenticated (530), the financial institution server 145 generates a customer authentication result including the predetermined financial institution employee authentication success information and transmits the result to the server (545), and responds thereto. In operation 550, the server applies a discount rate defined to the financial institution employee to apply to the financial institution employee in an alliance process with the financial institution.

6 is a diagram illustrating an affiliate shopping process for providing a discount rate benefit to a financial transaction customer according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates at least one web browser program when the validity of the financial transaction customer is authenticated through a process illustrated in FIGS. 3 and / or 4 and a predetermined discount rate is applied to the financial transaction customer. Regarding a process of allowing a financial transaction customer accessing the affiliate shopping mall server 100 through a client terminal 140 having a shopping mall according to a discount rate applied through the process illustrated in FIGS. 3 and / or 4, Those skilled in the art to which the present invention pertains may refer to various embodiments of the affiliate shopping process that provides discount rate benefits to financial transaction customers by referring to and / or modifying the present invention. The present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, if the person skilled in the art to which the present invention belongs, the validity of the financial institution employees through the process shown in Figure 5 in addition to the financial transaction customer by referring to and / or modifying the Figure 6 is authenticated Various implementation methods for the affiliate shopping process that provides discount discount benefits to shopping customers may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as a “terminal” for convenience, and the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as a “server” for convenience. It is called.

Referring to FIG. 6, when the validity of the financial transaction customer is authenticated through the process illustrated in FIGS. 3 and / or 4 and a predetermined discount rate is applied to the financial transaction customer, the terminal defines the server. Request (605) at least one product sale information from the server according to a predetermined internet shopping procedure corresponding to a predetermined internet shopping method (e.g., online sales, auction / reverse auction, etc.), and correspondingly, the server requests a predetermined DBMS. Extracting at least one product selling information to which a discount rate corresponding to the process illustrated in FIGS. 3 and / or 4 is applied, and including the extracted product selling information and / or a product selling interface corresponding to the internet shopping scheme A predetermined web page is generated and transmitted to the terminal through the network means (610).

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 (615).

If the terminal does not select at least one or more products to be purchased through at least one or more product selling information and / or a product selling interface included in the web page (620), 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, and the merchandise corresponding to the extracted merchandise sales information and / or the internet shopping scheme. The process of generating a predetermined web page including a sales interface and transmitting the same 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 selling interface included in the web page (620), the terminal selects the product selling interface included in the web page. Generate and transmit the purchased product information to the server (625), and the server extracts (or confirms) payment information including at least one or more product information corresponding to the received purchase target product and a payment amount; 630, 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 included in the payment information; Through the transmission to the terminal through 635.

Upon receiving the web page, the terminal checks whether the payment information included in the web page and / or the payment interface requests financial settlement processing in connection with the financial system in step 640.

If the terminal determines that the payment information included in the webpage and / or payment interface is requested to process the financial settlement in connection with the financial system (645), the terminal receives the In operation 650, predetermined financial settlement request information for requesting the financial settlement process is generated through the payment interface and is transmitted to the server.

Thereafter, the server processes the settlement amount of the purchase product in connection with the financial system based on the received financial settlement request information.

7 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to an embodiment of the present invention.

In more detail, Figure 7 is a separate payment based on the financial account balance for the financial transaction customer (or employees of financial institutions) according to an embodiment of the present invention, after the Internet shopping through the affiliated shopping mall shown in Figure 6 Regarding the process of financial settlement processing without payment processing by means, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the financial transaction customer (or financial institution employee) by referring to and / or modifying the drawing 7. Although various implementation methods of financial settlement processing may be inferred based on the financial account balance of the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as a "server" for convenience, and the financial transaction customer (or an employee of a financial institution) is referred to as a "customer" for convenience.

Referring to FIG. 7, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process illustrated in FIG. 6, the server may make a predetermined payment through a predetermined toin means. Information and the customer information to the financial company server 145 (700), the financial company server 145 in connection with the ledger D / B provided in the DBMS financial account balance corresponding to the customer information (for example, Check the financial account balance included in the account ledger associated with the customer ledger (705), and compare the financial account balance with the payment amount included in the payment information, thereby determining the payment amount corresponding to the product purchased through the affiliate shopping mall. Check whether the payment can be processed (710).

If payment processing for the payment amount included in the payment information is not possible through the financial account balance corresponding to the customer information (715), the financial company server 145 generates predetermined payment error information to generate the communication means. In operation 720, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if payment processing for the payment amount included in the payment information is possible through the financial account balance corresponding to the customer information (715), the financial company server 145 from the ledger D / B (for example, customer ledger) The customer wireless terminal information is extracted (730), and the customer wireless terminal using the customer wireless terminal information to request the customer approval for the financial settlement processing through the financial account balance, and the financial information through the customer wireless terminal Confirmation of the customer's approval for the financial settlement processing through the account balance (735).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the financial account balance is not confirmed (740), the financial institution server 145 generates predetermined payment error information and transmits it to the server through the communication means (720). In response, the server generates a web page including the payment error information and transmits and outputs the generated web page to the client terminal 140 (725).

On the other hand, if the customer approval for the financial settlement process through the financial account balance is confirmed (740), the financial institution server 145 generates a predetermined payment approval information and transmits it to the server through the communication means (745), Complete the financial settlement process through the financial account balance.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process through the financial account balance is processed (750), and when the settlement process for the settlement amount is confirmed (755), the settlement amount from the financial account. In step 760, a payment amount settlement process of withdrawing money and depositing money to the affiliated shopping mall account is performed.

8 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

In more detail, Figure 8 is a separate payment means based on the card limit for the financial transaction customers (or employees of financial institutions) according to an embodiment of the present invention after the Internet shopping through the affiliated shopping mall shown in Figure 6 As a process for financial settlement without payment processing using the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing 8 to the financial transaction customer (or financial institution employee). Although various implementation methods of financial settlement processing may be inferred based on the card limit, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) will be referred to as "customer" for convenience.

Referring to FIG. 8, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process illustrated in FIG. 6, the server may make a predetermined payment through a predetermined toin means. Information and the customer information to the financial institution server 145 (800), the financial institution server 145 is linked to the ledger D / B provided in the DBMS card limit corresponding to the customer information (for example, customer Check the card limit included in the card ledger associated with the ledger (805), and compare the card limit with the payment amount included in the payment information to settle the payment amount corresponding to the purchased product through the affiliate shopping mall. Check if it can process (810).

If payment processing for the payment amount included in the payment information is not possible through the card limit corresponding to the customer information (815), the financial institution server 145 generates predetermined payment error information to provide the communication means. In operation 820, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if payment processing for the payment amount included in the payment information is possible through the card limit corresponding to the customer information (815), the financial institution server 145 from the ledger D / B (for example, the customer ledger) Extracting customer wireless terminal information (830), requesting the customer wireless terminal for the customer approval for the financial settlement processing through the card limit using the customer wireless terminal information, and the card limit through the customer wireless terminal Confirmation of the customer's approval of the financial settlement process through the bank (835).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the card limit is not confirmed (840), the financial institution server 145 generates predetermined payment error information and transmits it to the server through the communication means (820), In response, the server generates a web page including the payment error information and transmits and outputs the generated web page to the client terminal 140 (825).

On the other hand, when the customer approval for the financial settlement process through the card limit is confirmed (840), the financial institution server 145 generates predetermined payment approval information and transmits it to the server through the communication means (845). Complete the financial settlement process through the card limit.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process is performed through the card limit (850), and when the settlement process for the settlement amount is confirmed (855), the settlement amount is determined by the affiliate shopping mall account. A payment amount settlement process for depositing money is performed (860).

9 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

In more detail, Figure 9 is a separate payment means based on the points earned for the financial transaction customers (or employees of financial institutions) according to an embodiment of the present invention after the Internet shopping through the affiliated shopping mall shown in Figure 6 As a process for financial settlement without payment processing using the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 9 of the financial transaction customer (or financial institution employee). Various implementation methods of financial settlement processing may be inferred based on the accumulated points, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) is referred to as "customer" for convenience.

Referring to FIG. 9, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process illustrated in FIG. 6, the server may make a predetermined payment through a predetermined toin means. Information and the customer information is transmitted to the financial company server 145 (900), the financial company server 145 in connection with the ledger D / B provided in the DBMS points corresponding to the customer information (for example, customer Check the earned points included in the card ledger associated with the ledger) (905), and compares the earned points with the payment amount included in the payment information to process the payment amount corresponding to the purchase product through the affiliate shopping mall Check if it can be done (910).

If payment processing for the payment amount included in the payment information is not possible through the accumulation point corresponding to the customer information (915), the financial company server 145 generates predetermined payment error information to provide the communication means. In operation 920, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if payment processing for the payment amount included in the payment information is possible through the earning point corresponding to the customer information (915), the financial company server 145 is the ledger D / B (for example, the customer ledger) Extract the customer wireless terminal information (930), request the customer approval for the financial settlement processing through the earning point to the customer wireless terminal using the customer wireless terminal information, and the earned point through the customer wireless terminal The client's approval of the financial settlement process is confirmed (935).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the earning point is not confirmed (940), the financial company server 145 generates predetermined payment error information and transmits it to the server through the communication means (920), In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (925).

On the other hand, if the customer approval for the financial settlement process through the earning point is confirmed (940), the financial institution server 145 generates a predetermined payment approval information and transmits it to the server through the communication means (945), the Complete the financial settlement process by earning points.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process through the earning point is processed (950), and when the settlement process for the settlement amount is confirmed (955), converts the earned point into predetermined cash. In operation 960, a payment amount settlement process of depositing an amount corresponding to the payment amount to the affiliated shopping mall account is performed.

10 is a diagram illustrating a process of selecting an affiliate shopping customer group according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, in the affiliated shopping mall system illustrated in FIG. 1, a client terminal 140 having at least one web browser program by a predetermined customer is connected to the affiliated shopping mall illustrated in FIG. 1 through predetermined network means. When connected to the server 100, whether the customer connected through the client terminal 140 from the affiliate shopping mall server 100 is an employee of a financial institution affiliated with the affiliate shopping mall or a financial transaction customer corresponding to the financial institution Regarding the process of selecting the cognitive, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for the affiliate shopping customer group selection process according to the present invention. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is illustrated in FIG. It shall not be limited.

Hereinafter, in FIG. 10, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as a "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 is referred to as a "server" for convenience.

Referring to FIG. 10, the terminal connects the communication channel for internet shopping between the terminal and the server by connecting to the server through a predetermined network means (1000) by using a predetermined web browser program, whereby The server is assigned a predetermined communication session for the terminal.

As described above, when a communication channel for internet shopping is connected between the terminal and the server (or a communication session for the terminal is allocated to the server), the server generates a web page including a predetermined customer group selection interface and generates the network. Means for transmitting to the terminal (1005), and correspondingly, the terminal accesses the server through the terminal through a customer group selection interface included in the web page, or is a member of a financial institution or a financial institution. Select whether the corresponding financial transaction customer (1010).

If a customer group (eg, a financial institution employee or a financial transaction customer) corresponding to a customer connected through the terminal is selected (1015), the terminal transmits predetermined customer group selection information to the server through the customer group selection interface. In response, the server reads the received customer group selection information to determine whether the customer connected through the terminal is an employee of a financial institution affiliated with the server or a financial transaction customer corresponding to the financial institution. (1025).

If the customer connected to the server through the terminal is a financial transaction customer corresponding to the financial institution affiliated with the server (1030), the server is a financial transaction customer authentication procedure as shown in Figure 11 and / or Figure 12 Perform

If the customer accessing the server through the terminal is an employee of a financial institution affiliated with the server (1030), the server performs a financial transaction customer authentication procedure as shown in FIG.

11 is a diagram illustrating a process of authenticating an affiliate shopping customer according to an exemplary embodiment of the present invention.

In more detail, in FIG. 11, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program is provided by a client to a predetermined network means through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the customer accessing the affiliate shopping server is identified as a financial transaction customer corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interwork with each other to authenticate the financial transaction customer and apply a discount rate for the affiliated shopping. The client directly provides the client authentication interface to the client terminal 140 from the financial institution server 145. In the embodiment of the present invention, when the client terminal 140 inputs (or selects) predetermined financial transaction customer authentication information through the customer authentication interface, the client terminal 140 directly transmits it to the financial company server 145. When the validity of the financial transaction customer is authenticated by the financial company server 145, the affiliate shopping mall server 100 applies the discount rate of the financial transaction customer to the discount rate of the employee of the financial institution. .

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods for the process of authenticating affiliate shopping customers according to the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be called "server" for convenience.

Referring to FIG. 11, when the customer who accesses the server through the terminal is identified as a financial transaction customer corresponding to the financial institution through the process illustrated in FIG. 10, the server connects the financial company through a predetermined communication means. Communication session information (for example, information for transmitting and outputting a web page including a predetermined customer authentication interface from the financial institution server 145 to the terminal through a predetermined network means) to the server 145. In operation 1100, the financial institution server 145 generates a web page including a predetermined customer authentication interface corresponding to the financial transaction customer (1105).

Subsequently, the financial institution server 145 transmits the webpage generated including the customer authentication interface to the terminal through the network means on the basis of the communication session information (1110), and the terminal corresponds to the web. At least one customer authentication information is input (or selected) through the customer authentication interface included in the page (1115).

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. Or at least one financial account number corresponding to the loan ledger or the like, or at least one or more of the financial account number and the account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or at least one or more OTP code information generated through a predetermined one time password (OTP) generator.

Those skilled in the art to which the present invention pertains, in addition to the financial transaction customer authentication information corresponding to the customer authentication information for the affiliated shopping mall server 100 may infer various types of customer authentication information, The present invention includes all the inferred customer authentication information, whereby the present invention is not limited.

If at least one financial transaction customer authentication information is input (or selected) through the customer authentication interface (1120), the terminal is input (or selected) at least one financial transaction customer authentication information through the customer authentication interface. In step 1125, the financial institution server 145 confirms the validity of the financial transaction customer authentication information.

According to an exemplary embodiment of the present invention, the server includes the financial transaction customer personal information including at least one of a name, a social security number, a mobile phone number, an e-mail address, etc., for the financial transaction customer authentication information. A financial transaction customer personal information including at least one of a name, a resident registration number, a mobile phone number, an e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the customer provided in the DBMS on the financial system. By comparing and authenticating the financial transaction customer personal information included in the ledger, it is desirable to authenticate the validity of the financial transaction customer.

Further, when the financial transaction customer authentication information includes the customer number of the financial transaction customer, or the customer number and password, the server includes the customer number of the financial transaction customer included in the financial transaction customer authentication information, or The validity of the financial transaction customer is verified by comparing and authenticating the customer number and password, the customer number of the financial transaction customer included in the customer ledger provided in the DBMS on the financial system, or the customer number and the password. It is desirable to.

The server may further include at least one financial account number included in the financial transaction customer authentication information when the financial transaction customer authentication information includes at least one financial account number or the financial account number and an account password. A financial account number and an account password, and at least one financial account number included in a DBMS on the financial system (eg, a reception ledger, a loan ledger, etc.), or the financial account number and an account password. By comparing and authenticating, it is desirable to authenticate the validity to the financial transaction customer.

In addition, when the financial transaction customer authentication information includes at least one or more card numbers, or the card number number and the expiration date, the server includes at least one or more card numbers included in the financial transaction customer authentication information, or the card number. A number and expiration date, and at least one card number included in at least one card ledger (eg, credit card ledger, check card ledger, or debit card ledger, etc.) provided in the DBMS on the financial system, or the card number By comparing and authenticating the number and the expiration date, it is desirable to authenticate the validity to the financial transaction customer.

The server may further include at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided on the security card, and / or a predetermined one time password (OTP) in the financial transaction customer authentication information. At least one non-face-to-face financial transaction ID / PW information included in the financial transaction customer authentication information, and / or at least one security code included in the security card when OTP code information generated through the generator is included, and And / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, internet banking system and / or telebanking system and / or wireless banking system and / or TV banking system, and And / or at least one ID / PW information for non-face-to-face financial transactions stored in a DBMS on a non-face-to-face financial transaction system including at least one or more home banking systems, and / or security. By comparing and authenticating the at least one security code, and / or the OTP code information generated through a predetermined OTP (One Time Password) generator having a DE, it is desirable to authenticate the validity of the financial transaction customers.

If the validity of the financial transaction customer is not authenticated (1135), the financial institution server 145 generates a customer authentication result including predetermined financial transaction customer authentication error information and transmits the result to the server (1140). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (1145), and ends the affiliate shopping process according to the present invention.

If the validity of the financial transaction customer is authenticated (1135), the financial institution server 145 generates a customer authentication result including predetermined financial transaction customer authentication success information and transmits the result to the server (1150). Thus, the server applies the discount rate of the financial transaction customer to the financial institution employee discount rate (1155).

12 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

In more detail, in FIG. 12, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program is provided by a client to a predetermined network means through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the customer accessing the affiliate shopping server is identified as a financial transaction customer corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interwork with each other to authenticate the financial transaction customer and apply a discount rate for the affiliated shopping. The client directly provides the client authentication interface to the client terminal 140 from the financial institution server 145. In the embodiment of the present invention, when the client terminal 140 inputs (or selects) predetermined financial transaction customer authentication information through the customer authentication interface, the client terminal 140 directly transmits it to the financial company server 145. When the validity of the financial transaction customer is authenticated at the financial company server 145, the discount rate of the financial transaction customer is referred to the discount rate information (or incentive information) provided by the financial company server 145 at the affiliate shopping mall server 100. It is about the implementation method to apply.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the process of authenticating affiliate shopping customers according to the present invention by referring to and / or modifying the drawing 12, but the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 12, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as " terminal " for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 is referred to as " server "

Referring to FIG. 12, when the customer connected to the server through the terminal is identified as the financial transaction customer corresponding to the financial institution through the process illustrated in FIG. 10, the server connects the financial company through a predetermined communication means. Communication session information for the terminal to the server 145 (for example, information for transmitting and outputting a web page including a predetermined customer authentication interface from the financial institution server 145 to the terminal through a predetermined network means). In operation 1205, the financial institution server 145 generates a web page including a predetermined customer authentication interface corresponding to the financial transaction customer.

Subsequently, the financial institution server 145 transmits the generated webpage including the customer authentication interface to the terminal through the network means (1210) based on the communication session information (1210). At least one customer authentication information is input (or selected) through the customer authentication interface included in the page (1215).

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. , Or at least one financial account number corresponding to a loan ledger, or the like, or at least one financial account number and an account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or at least one or more OTP code information generated through a predetermined OTP (One Time Password) generator is preferably made.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to financial transaction customer authentication information corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial transaction customer authentication information is input (or selected) through the customer authentication interface (1220), the terminal is input (or selected) at least one financial transaction customer authentication information through the customer authentication interface. In step 1225, the financial institution server 145 checks the validity of the financial transaction customer authentication information.

According to an exemplary embodiment of the present invention, the server includes the financial transaction customer personal information including at least one of a name, a social security number, a mobile phone number, an e-mail address, etc., for the financial transaction customer authentication information. A financial transaction customer personal information including at least one of a name, a resident registration number, a mobile phone number, an e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the customer provided in the DBMS on the financial system. By comparing and authenticating the financial transaction customer personal information included in the ledger, it is desirable to authenticate the validity of the financial transaction customer.

In addition, when the financial transaction customer authentication information includes the customer number of the financial transaction customer, or the customer number and password, the server number of the financial transaction customer included in the financial transaction customer authentication information, or the Comparing and authenticating a customer number and password, the customer number of the financial transaction customer included in the customer ledger provided in the DBMS on the financial system, or the customer number and password, thereby authenticating the validity of the financial transaction customer. It is preferable.

The server may further include at least one financial account number included in the financial transaction customer authentication information when the financial transaction customer authentication information includes at least one financial account number or the financial account number and an account password. A financial account number and an account password, and at least one financial account number included in a DBMS on the financial system (eg, a reception ledger, a loan ledger, etc.), or the financial account number and an account password. By comparing and authenticating, it is desirable to authenticate the validity to the financial transaction customer.

In addition, when the financial transaction customer authentication information includes at least one or more card numbers, or the card number number and the expiration date, the server includes at least one or more card numbers included in the financial transaction customer authentication information, or the card number. At least one card number included in the number and expiration date, and at least one card ledger (eg, credit card ledger, check card ledger, or debit card ledger, etc.) provided in the DBMS on the financial system; By comparing and authenticating the number number and the expiration date, it is desirable to authenticate the validity to the financial transaction customer.

The server may further include at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided on the security card, and / or a predetermined one time password (OTP) in the financial transaction customer authentication information. At least one non-face-to-face financial transaction ID / PW information included in the financial transaction customer authentication information, and / or at least one security code included in the security card when OTP code information generated through the generator is included, and And / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, internet banking system and / or telebanking system and / or wireless banking system and / or TV banking system, and And / or at least one ID / PW information for non-face-to-face financial transactions stored in a DBMS on a non-face-to-face financial transaction system including at least one or more home banking systems, and / or security. By comparing and authenticating the at least one security code, and / or the OTP code information generated through a predetermined OTP (One Time Password) generator having a DE, it is desirable to authenticate the validity of the financial transaction customers.

If the validity of the financial transaction customer is not authenticated (1235), the financial institution server 145 generates a customer authentication result including predetermined financial transaction customer authentication error information and transmits it to the server (1240), In response, the server generates, transmits and outputs a web page including the customer authentication error information to the terminal (1245), and ends the affiliate shopping process according to the present invention.

If the validity of the financial transaction customer is authenticated (1235), the financial institution server 145 generates a customer authentication result including the predetermined financial transaction customer authentication success information (1250), and is provided in the DBMS on the financial system. The financial transaction performance of the financial transaction customer is checked based on the financial transaction history included in the at least one account ledger to generate differential discount information (or incentive information) for the financial transaction customer (1255).

According to the method of the present invention, the method of generating the differential discount information (or incentive information) for the financial transaction customer by confirming the financial transaction performance of the financial transaction customer in the financial institution server 145, It is the same (or similar) as the method of calculating the financial transaction performance of the financial transaction customer to calculate the rating (eg, excellent customer selection) for the financial transaction customer, and the higher the customer (eg, excellent customer), the discount rate It is desirable for the (or incentive) to be greater.

Subsequently, the financial institution server 145 transmits the customer authentication result and the discount rate information (or incentive information) to the server (1260). In response, the server converts the discount rate of the financial transaction customer into the financial institution server ( The discount rate corresponding to the discount rate information (or incentive information) received from 145 is applied (1265).

13 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

In more detail, in FIG. 13, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program is provided by a client to a predetermined network means through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the client accessing the affiliate shopping server through the client terminal 140 is identified as an employee of a financial institution corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interlock with each other to authenticate the financial institution employees and apply a discount rate for the affiliated shopping. The customer authentication interface provided to the client terminal 140 directly from the financial institution server 145 In the implementation method of providing to the client terminal 140, the client terminal 140 directly inputs (or selects) predetermined financial institution employee authentication information to the financial institution server 145 through the customer authentication interface. When the validity of the employees of the financial institution is authenticated by the financial company server 145, the affiliated shopping mall server 100 applies a predetermined discount rate corresponding to the employees of the financial institution.

Those skilled in the art to which the present invention pertains may refer to various embodiments of the present invention by inferring and / or modifying the present invention by referring to and / or modifying the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be called "server" for convenience.

Referring to FIG. 13, when a customer who accesses the server through the terminal is identified as an employee of a financial institution corresponding to the financial institution through the process illustrated in FIG. 10, the server connects the financial company through a predetermined communication means. Communication session information (for example, information for transmitting and outputting a web page including a predetermined customer authentication interface from the financial institution server 145 to the terminal through a predetermined network means) to the server 145. In operation 1300, the financial institution server 145 generates a web page including a predetermined customer authentication interface corresponding to the employee of the financial institution (1305).

Subsequently, the financial institution server 145 transmits the webpage including the customer authentication interface to the terminal through the network means (1310) based on the communication session information (1310). At least one customer authentication information is input (or selected) through the customer authentication interface included in the page (1315).

According to the implementation method of the present invention, the financial institution employee authentication information, employee identification information (eg, executive code (or number), or employee code (or number), etc.) assigned to at least one or more employees by the financial institution, or It is preferable to include the employee identification information and a predetermined password, it is possible to further include the name and / or resident registration number of the employee according to the intention of the skilled person.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to employee authentication information of financial institutions corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial institution employee authentication information is input (or selected) through the customer authentication interface (1320), the terminal authenticates the at least one financial institution employee input (or selected) through the customer authentication interface. The information is transmitted to the financial company server 145 (1325), and in response, the financial company server 145 confirms the validity of the financial institution employee authentication information (1330).

According to the implementation method of the present invention, the server may include predetermined employee identification information (eg, executive code (or number), employee code (or number), etc.) among financial institution employee authentication information included in the customer authentication information, and / Or by comparing the password with the employee identification information (eg, executive code (or number), employee code (or number), etc.) and / or password among the employee information stored in the employee information D / B, the client terminal 140. It is preferable to check whether the customer accessing the affiliate shopping mall server 100 is a member of the financial institution.

If the validity of the employee of the financial institution is not authenticated (1335), the financial institution server 145 generates a customer authentication result including predetermined financial institution employee authentication error information and transmits the result to the server (1340). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (1345), and ends the affiliate shopping process according to the present invention.

If the validity of the employees of the financial institution is authenticated (1335), the financial institution server 145 generates a customer authentication result including the predetermined financial institution employee authentication success information and transmits the result to the server (1350). Thus, the server applies the discount rate defined to the financial institution employee to the financial institution employee in an alliance process with the financial institution (1355).

14 is a diagram illustrating an affiliate shopping process for providing a discount rate benefit to a financial transaction customer according to another exemplary embodiment of the present invention.

In more detail, FIG. 14 illustrates at least one web browser program when the validity of the financial transaction customer is authenticated through a process illustrated in FIGS. 11 and / or 12 and a predetermined discount rate is applied to the financial transaction customer. Regarding a process of allowing a financial transaction customer accessing the affiliate shopping mall server 100 through a client terminal 140 having a shopping mall according to a discount rate applied through the process illustrated in FIGS. 11 and / or 12, One of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the affiliate shopping process that provides a discount rate benefit to a financial transaction customer by referring to and / or modifying this drawing. The present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, if those of ordinary skill in the art to which the present invention pertains, the validity of the financial institution employees through the process shown in FIG. Various implementation methods for the affiliate shopping process for providing a discount rate benefit to a shopping customer may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the client terminal 140 on the affiliate shopping system shown in FIG. 1 is referred to as a “terminal” for convenience, and the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as a “server” for convenience. It is called.

Referring to FIG. 14, when the validity of the financial transaction customer is authenticated through the process illustrated in FIGS. 11 and / or 12, and a predetermined discount rate is applied to the financial transaction customer, the terminal defines the server. Request (1405) at least one product sales information from the server according to a predetermined internet shopping procedure corresponding to a conventional internet shopping scheme (e.g., online sales, auction / reverse auction, etc.), and correspondingly, the server requests a predetermined DBMS. Extracting at least one product selling information to which a discount rate corresponding to the process illustrated in FIGS. 11 and / or 12 is applied, and including the extracted product selling information and / or a product selling interface corresponding to the internet shopping scheme A predetermined web page is generated and transmitted to the terminal through the network means (1410).

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 (1415).

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 (1420), 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, and the merchandise corresponding to the extracted merchandise sales information and / or the internet shopping scheme. The process of generating a predetermined web page including a sales interface and transmitting the same 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 (1420), the terminal may select a product sales interface included in the web page. Generate and transmit the purchased product information to the server (1425), 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; 1430), 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 included in the payment information; It transmits to the terminal through (1435).

Upon receiving the web page, the terminal checks whether the payment information included in the web page and / or the payment interface requests a financial settlement process in connection with the financial system in step 1440.

If the terminal determines that the payment information included in the webpage and / or payment interface is requested to process the financial settlement in connection with the financial system (1445), the terminal determines In operation 1450, predetermined financial settlement request information for requesting the financial settlement process is generated through the payment interface and transmitted to the server.

Thereafter, the server processes the settlement amount of the purchase product in connection with the financial system based on the received financial settlement request information.

15 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to an embodiment of the present invention.

In more detail, FIG. 15 is a separate payment based on a financial account balance for the financial transaction customer (or employee of a financial institution) according to an embodiment of the present invention after internet shopping through the affiliated shopping mall shown in FIG. Regarding a process of financial settlement without payment processing by means, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the financial transaction customer (or financial institution employee) by referring to and / or modifying the drawing 15. Although various implementation methods of financial settlement processing may be inferred based on the financial account balance of the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 15, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) is referred to as "customer" for convenience.

Referring to FIG. 15, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process illustrated in FIG. 14, the server may make a predetermined payment through a predetermined toin means. Information and the customer information to the financial company server 145 (1500), the financial company server 145 in connection with the ledger D / B provided in the DBMS financial account balance corresponding to the customer information (for example, Check the financial account balance included in the account ledger associated with the customer ledger (1505), and compare the financial account balance with the payment amount included in the payment information to settle payment corresponding to the purchased product through the affiliate shopping mall. Check whether the payment can be processed (1510).

If it is not possible to process payment for the payment amount included in the payment information through the financial account balance corresponding to the customer information (1515), the financial company server 145 generates predetermined payment error information to generate the communication means. In operation 1520, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if it is possible to process payment for the payment amount included in the payment information through the financial account balance corresponding to the customer information (1515), the financial company server 145 from the ledger D / B (for example, customer ledger) The customer wireless terminal information is extracted (1530), the customer wireless terminal using the customer wireless terminal information request the customer approval for the financial settlement processing through the financial account balance, and the financial information through the customer wireless terminal Acknowledgment of customer approval for financial settlement processing through account balance (1535).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the financial account balance is not confirmed (1540), the financial institution server 145 generates predetermined payment error information and transmits it to the server through the communication means (1520). In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (1525).

On the other hand, when the customer approval for the financial settlement process through the financial account balance is confirmed (1540), the financial institution server 145 generates predetermined payment approval information and transmits it to the server through the communication means (1545), Complete the financial settlement process through the financial account balance.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process through the financial account balance is performed (1550), and when the settlement process for the settlement amount is confirmed (1555), the settlement amount from the financial account. A payment amount settlement process of depositing money and depositing it into the affiliate shopping mall account is performed (1560).

16 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates a separate payment method based on a card limit for the financial transaction customer (or employee of a financial institution) according to an embodiment of the present invention after internet shopping through the affiliate shopping mall shown in FIG. As a process for financial settlement without payment processing using the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify the drawing 16 of the financial transaction customer (or financial institution employee). Although various implementation methods of financial settlement processing may be inferred based on the card limit, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) will be referred to as "customer" for convenience.

Referring to FIG. 16, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process shown in FIG. 14, the server makes a predetermined payment through a predetermined toin means. Information and the customer information to the financial institution server 145 (1600), the financial institution server 145 is linked to the ledger D / B provided in the DBMS card limit corresponding to the customer information (for example, customer Check the card limit included in the card ledger associated with the ledger (1605), and compare the card limit with the payment amount included in the payment information to settle the payment amount corresponding to the purchased product through the affiliate shopping mall. Check if it can be processed (1610).

If payment processing for the payment amount included in the payment information is not possible through the card limit corresponding to the customer information (1615), the financial institution server 145 generates predetermined payment error information to provide the communication means. In operation 1620, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if it is possible to process payment for the payment amount included in the payment information through the card limit corresponding to the customer information (1615), the financial institution server 145 from the ledger D / B (for example, the customer ledger) Extracting customer wireless terminal information (1630), requesting the customer wireless terminal for customer approval for the financial settlement process through the card limit using the customer wireless terminal information, and setting the card limit through the customer wireless terminal. Acknowledgment of customer approval for financial settlement processing (1635).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the card limit is not confirmed (1640), the financial institution server 145 generates predetermined payment error information and transmits the predetermined payment error information to the server through the communication means (1620). In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (1625).

On the other hand, when the customer approval for the financial settlement process through the card limit is confirmed (1640), the financial institution server 145 generates predetermined payment approval information and transmits the predetermined payment approval information to the server through the communication means (1645). Complete the financial settlement process through the card limit.

Thereafter, the financial company server 145 periodically checks whether the settlement amount settlement process through the card limit is performed (1650), and when the settlement process for the settlement amount is confirmed (1655), the settlement amount is determined by the affiliate shopping mall account. A payment amount settlement process for depositing money is performed (1660).

17 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

In more detail, Figure 17 is a separate payment means based on the points earned for the financial transaction customers (or employees of financial institutions) according to an embodiment of the present invention after the Internet shopping through the affiliated shopping mall shown in Figure 14 As a process for financial settlement without payment processing using the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to obtain the financial transaction customer (or financial institution employee). Various implementation methods of financial settlement processing may be inferred based on the accumulated points, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as a "server" for convenience, and the financial transaction customer (or an employee of a financial institution) is referred to as a "customer" for convenience.

Referring to FIG. 17, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process shown in FIG. 14, the server may make a predetermined payment through a predetermined toin means. Information and the customer information are transmitted to the financial company server 145 (1700), and the financial company server 145 is connected to the ledger D / B provided in the DBMS to accumulate points corresponding to the customer information (for example, a customer). Check the credit points included in the ledger associated with the ledger) (1705), and compares the credit points and the payment amount included in the payment information to process the payment amount corresponding to the purchased product through the affiliate shopping mall. Check if it can (1710).

If payment processing for the payment amount included in the payment information is not possible through the accumulation point corresponding to the customer information (1715), the financial company server 145 generates predetermined payment error information to provide the communication means. In operation 1720, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if payment processing for the payment amount included in the payment information is possible through the earning points corresponding to the customer information (1715), the financial institution server 145 is from the ledger D / B (for example, the customer ledger) Extract customer wireless terminal information (1730), request customer approval for the financial settlement process through the earning point to the customer wireless terminal using the customer wireless terminal information, and the earned point through the customer wireless terminal Confirmation of customer approval for financial settlement processing (1735).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the earning point is not confirmed (1740), the financial company server 145 generates a predetermined payment error information and transmits to the server through the communication means (1720), In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (1725).

On the other hand, when the customer approval for the financial settlement process through the earning point is confirmed (1740), the financial institution server 145 generates a predetermined payment approval information and transmits it to the server through the communication means (1745), Complete the financial settlement process by earning points.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process through the earning point is processed (1750), and when the settlement process for the settlement amount is confirmed (1755), the credit point is converted into a predetermined cash amount. In operation 1760, a settlement amount settlement process of depositing an amount corresponding to the settlement amount among the converted amounts into the affiliated shopping mall account is performed.

18 is a diagram illustrating a process of selecting an affiliate shopping customer group according to another exemplary embodiment of the present invention.

In more detail, in FIG. 18, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program by a predetermined customer is connected to the affiliated shopping mall shown in FIG. When connected to the server 100, whether the customer connected through the client terminal 140 from the affiliate shopping mall server 100 is an employee of a financial institution affiliated with the affiliate shopping mall or a financial transaction customer corresponding to the financial institution Regarding the process of selecting the perception, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to infer various implementation methods for the process of selecting a shopping group for affiliate shopping according to the present invention. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is illustrated in FIG. 18. It shall not be limited.

Hereinafter, in FIG. 18, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be called "server" for convenience.

Referring to FIG. 18, the terminal connects the communication channel for internet shopping between the terminal and the server by connecting to the server (1800) through a predetermined network means using a predetermined web browser program, thereby. The server is assigned a predetermined communication session for the terminal.

As described above, when a communication channel for internet shopping is connected between the terminal and the server (or a communication session for the terminal is allocated to the server), the server generates a web page including a predetermined customer group selection interface and generates the network. Means for transmitting to the terminal through the means (1805), and correspondingly, the terminal accesses the server through the terminal through the customer group selection interface included in the web page. The client selects whether the corresponding financial transaction customer (1810).

If a customer group (eg, a financial institution employee or a financial transaction customer) corresponding to a customer connected through the terminal is selected (1815), the terminal transmits predetermined customer group selection information to the server through the customer group selection interface. In response (1820), the server reads the received customer group selection information to determine whether the customer connected through the terminal is an employee of a financial institution affiliated with the server or a financial transaction customer corresponding to the financial institution. (1825).

If the customer accessing the server through the terminal is a financial transaction customer corresponding to the financial institution affiliated with the server (1830), the server is a financial transaction customer authentication procedure as shown in Figs. 19 and / or 20. Perform

If the customer accessing the server through the terminal is an employee of a financial institution affiliated with the server (1830), the server performs a financial transaction customer authentication procedure as shown in FIG.

19 is a diagram illustrating a process of authenticating an affiliate shopping customer according to one embodiment of the present invention.

In more detail, in FIG. 19, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having a predetermined customer having at least one web browser program is connected to a predetermined network means through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the customer accessing the affiliate shopping server is identified as a financial transaction customer corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interwork with each other to authenticate the financial transaction customer and apply a discount rate for the affiliated shopping. The client authentication interface provided to the client terminal 140 directly from the affiliate shopping mall server 100 In the client terminal 140, the client terminal 140 inputs (or selects) predetermined financial transaction customer authentication information through the customer authentication interface, and directly transmits it to the financial company server 145. When the validity of the financial transaction customer is authenticated by the financial company server 145, the affiliate shopping mall server 100 applies the discount rate of the financial transaction customer to the same as the discount rate of the employee of the financial institution.

Those skilled in the art to which the present invention pertains can refer to various examples of the process of authenticating the affiliate shopping customer according to the present invention by referring to and / or modifying the drawing 19, but the present invention can be inferred. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be called "server" for convenience.

Referring to FIG. 19, when a customer accessing the server through the terminal is identified as a financial transaction customer corresponding to the financial institution through the process illustrated in FIG. 18, the server corresponds to a predetermined transaction corresponding to the financial transaction customer. A web page including a customer authentication interface of the user is generated and transmitted to the terminal through the network means (1900), and correspondingly, the terminal corresponds to at least one or more customer authentication information through the customer authentication interface included in the web page. Type (or select) 1905.

Here, the customer authentication interface includes link information and / or a script for transmitting at least one or more customer authentication information input (or selected) at the terminal directly to the financial institution server 145 through the network means. desirable.

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. , Or at least one financial account number corresponding to a loan ledger, or the like, or at least one financial account number and an account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or at least one or more OTP code information generated through a predetermined one time password (OTP) generator.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to financial transaction customer authentication information corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial transaction customer authentication information is input (or selected) through the customer authentication interface (1910), the terminal is input (or selected) at least one financial transaction customer authentication information through the customer authentication interface. In operation 1915, the financial institution server 145 checks the validity of the financial transaction customer authentication information (1920).

According to an exemplary embodiment of the present invention, the server includes the financial transaction customer personal information including at least one of a name, a social security number, a mobile phone number, an e-mail address, etc., for the financial transaction customer authentication information. A financial transaction customer personal information including at least one of a name, a resident registration number, a mobile phone number, an e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the customer provided in the DBMS on the financial system. By comparing and authenticating the financial transaction customer personal information included in the ledger, it is desirable to authenticate the validity of the financial transaction customer.

In addition, when the financial transaction customer authentication information includes the customer number of the financial transaction customer, or the customer number and password, the server number of the financial transaction customer included in the financial transaction customer authentication information, or the Comparing and authenticating a customer number and password, the customer number of the financial transaction customer included in the customer ledger provided in the DBMS on the financial system, or the customer number and password, thereby authenticating the validity of the financial transaction customer. It is preferable.

The server may further include at least one financial account number included in the financial transaction customer authentication information when the financial transaction customer authentication information includes at least one financial account number or the financial account number and an account password. A financial account number and an account password, and at least one financial account number included in a DBMS on the financial system (eg, a reception ledger, a loan ledger, etc.), or the financial account number and an account password. By comparing and authenticating, it is desirable to authenticate the validity to the financial transaction customer.

In addition, when the financial transaction customer authentication information includes at least one or more card numbers, or the card number number and the expiration date, the server includes at least one or more card numbers included in the financial transaction customer authentication information, or the card number. A number and expiration date, and at least one card number included in at least one card ledger (eg, credit card ledger, check card ledger, or debit card ledger, etc.) provided in the DBMS on the financial system, or the card number By comparing and authenticating the number and the expiration date, it is desirable to authenticate the validity to the financial transaction customer.

The server may further include at least one non-face-to-face financial transaction ID / PW information for the financial transaction customer authentication information, and / or at least one security code provided on the security card, and / or a predetermined one time password (OTP). At least one non-face-to-face financial transaction ID / PW information included in the financial transaction customer authentication information, and / or at least one security code included in the security card when OTP code information generated through the generator is included, and And / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, internet banking system and / or telebanking system and / or wireless banking system and / or TV banking system, and And / or at least one ID / PW information for non-face-to-face financial transactions stored in a DBMS on a non-face-to-face financial transaction system including at least one or more home banking systems, and / or security. By comparing and authenticating at least one or more security codes provided on the card and / or OTP code information generated through a predetermined one time password (OTP) generator, it is desirable to authenticate the validity of the financial transaction customer.

If the validity of the financial transaction customer is not authenticated (1925), the financial institution server 145 generates a customer authentication result including predetermined financial transaction customer authentication error information and transmits the result to the server (1930). In response, the server generates, transmits and outputs a web page including the customer authentication error information to the terminal (1935), and ends the affiliate shopping process according to the present invention.

If the validity of the financial transaction customer is authenticated (1925), the financial company server 145 generates a customer authentication result including predetermined financial transaction customer authentication success information and transmits the result to the server (1940). In response, the server applies the discount rate of the financial transaction customer to the financial institution employee discount rate (1945).

20 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

In more detail, in FIG. 20, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program by a predetermined customer is connected to a predetermined network means through the process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the customer accessing the affiliate shopping server is identified as a financial transaction customer corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interwork with each other to authenticate the financial transaction customer and apply a discount rate for the affiliated shopping. The client authentication interface provided to the client terminal 140 directly from the affiliate shopping mall server 100 In the client terminal 140, the client terminal 140 inputs (or selects) predetermined financial transaction customer authentication information through the customer authentication interface, and directly transmits it to the financial company server 145. When the validity of the financial transaction customer is authenticated at the financial company server 145, the discount rate of the financial transaction customer is referred to the discount rate information (or incentive information) provided by the financial company server 145 at the affiliate shopping mall server 100. It is about the implementation method to apply.

Those skilled in the art to which the present invention pertains may refer to various modifications of the process of authenticating the affiliate shopping customer according to the present invention by referring to and / or modifying the drawing 20, but the present invention may be inferred. Includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

In FIG. 20, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 20, when a customer accessing the server through the terminal is identified as a financial transaction customer corresponding to the financial institution through the process illustrated in FIG. 18, the server may be configured to correspond to the financial transaction customer. A web page including a customer authentication interface of the web server is generated and transmitted to the terminal through the network means (2000). Accordingly, the terminal corresponds to at least one or more customer authentication information through the customer authentication interface included in the web page. Enter (or select) (2005).

Here, the customer authentication interface includes link information and / or a script for transmitting at least one or more customer authentication information input (or selected) at the terminal directly to the financial institution server 145 through the network means. desirable.

According to an embodiment of the present invention, the financial transaction customer authentication information is included in the customer ledger stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first deals with the financial institution. It is preferable to include financial transaction customer personal information including at least one of a name, social security number, mobile phone number, e-mail address, etc. for the financial transaction customer.

In addition, the financial transaction customer authentication information, the customer number of the financial transaction customer included in the customer ledger is stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer first transaction with the financial institution Or, preferably, at least one of the customer number and the password.

The financial transaction customer authentication information may include at least one account ledger (eg, a reception ledger) stored in a ledger D / B of a DBMS provided in the financial system when the financial transaction customer opens a predetermined financial account at the financial institution. Or at least one financial account number corresponding to the loan ledger or the like, or at least one or more of the financial account number and the account password.

The financial transaction customer authentication information may include at least one card ledger (eg, credit card ledger) stored in the ledger D / B of the DBMS provided in the financial system when the financial transaction customer issues a predetermined card from the financial institution. Or at least one card number corresponding to a check card ledger, a debit card ledger, or the like, or at least one card number and an expiration date.

The financial transaction customer authentication information may include at least one non-face-to-face financial transaction system (eg, an internet banking system and / or a telebanking system, and / or a wireless banking system) provided by the financial institution. And / or a non-face-to-face financial transaction ID stored in a DBMS (and / or a DBMS provided in a non-face-to-face financial transaction system) provided in the financial system when subscribing to a TV banking system and / or a home banking system. PW information, and / or at least one or more security codes provided on the security card, and / or at least one or more OTP code information generated through a predetermined one time password (OTP) generator.

Those skilled in the art to which the present invention pertains, in addition to the financial transaction customer authentication information corresponding to the customer authentication information for the affiliated shopping mall server 100 may infer various types of customer authentication information, The present invention includes all the inferred customer authentication information, whereby the present invention is not limited.

If at least one financial transaction customer authentication information is input (or selected) through the customer authentication interface (2010), the terminal receives at least one financial transaction customer authentication information (or selected) through the customer authentication interface. To the financial company server 145 (2015), the financial company server 145 checks the validity of the financial transaction customer authentication information (2020).

According to an exemplary embodiment of the present invention, the server includes the financial transaction customer personal information including at least one of a name, a social security number, a mobile phone number, an e-mail address, etc., for the financial transaction customer authentication information. A financial transaction customer personal information including at least one of a name, a resident registration number, a mobile phone number, an e-mail address, etc. for the financial transaction customer included in the financial transaction customer authentication information, and the customer provided in the DBMS on the financial system. By comparing and authenticating the financial transaction customer personal information included in the ledger, it is desirable to authenticate the validity of the financial transaction customer.

Further, when the financial transaction customer authentication information includes the customer number of the financial transaction customer, or the customer number and password, the server includes the customer number of the financial transaction customer included in the financial transaction customer authentication information, or The validity of the financial transaction customer is verified by comparing and authenticating the customer number and password, the customer number of the financial transaction customer included in the customer ledger provided in the DBMS on the financial system, or the customer number and the password. It is desirable to.

The server may further include at least one financial account number included in the financial transaction customer authentication information when the financial transaction customer authentication information includes at least one financial account number or the financial account number and an account password. A financial account number and an account password, and at least one financial account number included in a DBMS on the financial system (eg, a reception ledger, a loan ledger, etc.), or the financial account number and an account password. By comparing and authenticating, it is desirable to authenticate the validity to the financial transaction customer.

In addition, when the financial transaction customer authentication information includes at least one or more card numbers, or the card number number and the expiration date, the server includes at least one or more card numbers included in the financial transaction customer authentication information, or the card number. A number and expiration date, and at least one card number included in at least one card ledger (eg, credit card ledger, check card ledger, or debit card ledger, etc.) provided in the DBMS on the financial system, or the card number By comparing and authenticating the number and the expiration date, it is desirable to authenticate the validity to the financial transaction customer.

The server may further include at least one ID / PW information for non-face-to-face financial transactions, and / or at least one security code provided on the security card, and / or a predetermined one time password (OTP) in the financial transaction customer authentication information. At least one non-face-to-face financial transaction ID / PW information included in the financial transaction customer authentication information, and / or at least one security code included in the security card when OTP code information generated through the generator is included, and And / or OTP code information generated through a predetermined one time password (OTP) generator and the ledger D / B (or, internet banking system and / or telebanking system and / or wireless banking system and / or TV banking system, and And / or at least one ID / PW information for non-face-to-face financial transactions stored in a DBMS on a non-face-to-face financial transaction system including at least one or more home banking systems, and / or security. By comparing and authenticating the at least one security code, and / or the OTP code information generated through a predetermined OTP (One Time Password) generator having a DE, it is desirable to authenticate the validity of the financial transaction customers.

If the validity of the financial transaction customer is not authenticated (2025), the financial institution server 145 generates a customer authentication result including predetermined financial transaction customer authentication error information and transmits the result to the server (2030). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (2035), and ends the affiliate shopping process according to the present invention.

If the validity of the financial transaction customer is authenticated (2025), the financial company server 145 generates a customer authentication result including predetermined financial transaction customer authentication success information (2040), and is provided in the DBMS on the financial system. Based on the financial transaction history included in the at least one account ledger, the financial transaction performance of the financial transaction customer is checked to generate differential discount information (or incentive information) for the financial transaction customer (2045).

According to the method of the present invention, the method of generating the differential discount information (or incentive information) for the financial transaction customer by confirming the financial transaction performance of the financial transaction customer in the financial institution server 145, It is the same (or similar) as the method of calculating the financial transaction performance of the financial transaction customer to calculate the rating (eg, excellent customer selection) for the financial transaction customer, and the higher the customer (eg, excellent customer), the discount rate It is desirable for the (or incentive) to be greater.

Thereafter, the financial institution server 145 transmits the customer authentication result and the discount rate information (or incentive information) to the server (2050), and correspondingly, the server transmits the discount rate of the financial transaction customer to the financial institution server 145. In operation 2055, a discount rate corresponding to the discount rate information (or incentive information) received from FIG.

21 is a diagram illustrating a process of authenticating an affiliate shopping customer according to another exemplary embodiment of the present invention.

In more detail, in FIG. 21, in the affiliated shopping mall system shown in FIG. 1, a client terminal 140 having at least one web browser program is provided to a predetermined customer through a process shown in FIG. After accessing the affiliate shopping mall server 100 shown in FIG. 1 through the client terminal 140, the client accessing the affiliate shopping server through the client terminal 140 is identified as an employee of a financial institution corresponding to the financial institution. The process of the shopping mall server 100 and the financial company server 145 provided in the financial institution interlock with each other to authenticate the financial institution employees and apply a discount rate for the affiliated shopping. The customer authentication interface provided to the client terminal 140 directly from the affiliate shopping mall server 100 In the providing method to the client terminal 140, the client terminal 140 directly inputs (or selects) predetermined financial institution employee authentication information to the financial institution server 145 through the customer authentication interface. When the validity of the employees of the financial institution is authenticated by the financial company server 145, the affiliated shopping mall server 100 applies a predetermined discount rate corresponding to the employees of the financial institution.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the process of authenticating affiliate shopping customers according to the present invention by referring to and / or modifying the drawing 21, but the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 21, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping server on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 21, when a customer who accesses the server through the terminal is identified as an employee of a financial institution corresponding to the financial institution through the process illustrated in FIG. 18, the server corresponds to a predetermined number corresponding to the employee of the financial institution. A web page including a customer authentication interface of the client is generated and transmitted to the terminal through the network means (2100), and correspondingly, the terminal corresponds to at least one or more customer authentication information through the customer authentication interface included in the web page. Enter (or select) 2105.

Here, the customer authentication interface includes link information and / or a script for transmitting at least one or more customer authentication information input (or selected) at the terminal directly to the financial institution server 145 through the network means. desirable.

According to the implementation method of the present invention, the financial institution employee authentication information, employee identification information (eg, executive code (or number), or employee code (or number), etc.) assigned to at least one or more employees by the financial institution, or It is preferable to include the employee identification information and a predetermined password, it is possible to further include the name and / or resident registration number of the employee according to the intention of the skilled person.

Those skilled in the art to which the present invention pertains can infer various types of customer authentication information in addition to employee authentication information of financial institutions corresponding to customer authentication information for the affiliate shopping mall server 100. The invention includes all of the inferred customer authentication information, whereby the invention is not limited.

If at least one financial institution employee authentication information is input (or selected) through the customer authentication interface (2110), the terminal is input (or selected) at least one financial institution employee authentication information through the customer authentication interface. To the financial company server 145 (2115), the financial company server 145 checks the validity of the financial institution employee authentication information (2120).

According to the implementation method of the present invention, the server may include predetermined employee identification information (eg, executive code (or number), employee code (or number), etc.) among financial institution employee authentication information included in the customer authentication information, and / Or by comparing the password with the employee identification information (eg, executive code (or number), employee code (or number), etc.) and / or password among the employee information stored in the employee information D / B, the client terminal 140. It is preferable to check whether the customer accessing the affiliate shopping mall server 100 is a member of the financial institution.

If the validity of the employees of the financial institution is not authenticated (2125), the financial institution server 145 generates a customer authentication result including the predetermined financial institution employee authentication error information and transmits the result to the server (2130). In response, the server generates, transmits, and outputs a web page including the customer authentication error information to the terminal (2135), and ends the affiliate shopping process according to the present invention.

If the validity of the employee of the financial institution is authenticated (2125), the financial institution server 145 generates a customer authentication result including a predetermined financial institution employee authentication success information and transmits the result to the server (2140), and responds thereto. Thus, the server applies the discount rate defined to the financial institution employee to the financial institution employee in an alliance process with the financial institution (2145).

22 is a diagram illustrating an affiliate shopping process for providing a discount rate benefit to a financial transaction customer according to an exemplary embodiment of the present invention.

In more detail, FIG. 22 illustrates at least one web browser program when the validity of the financial transaction customer is authenticated through a process illustrated in FIGS. 19 and / or 20 and a predetermined discount rate is applied to the financial transaction customer. Regarding a process of allowing a financial transaction customer accessing the affiliate shopping mall server 100 through a client terminal 140 having a shopping mall according to a discount rate applied through the process illustrated in FIGS. 19 and / or 20, One of ordinary skill in the art to which the present invention pertains can refer to various examples of the affiliate shopping process that provides discount rate benefits to financial transaction customers by referring to and / or modifying the drawing 22. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, if those of ordinary skill in the art to which the present invention pertains, the validity of the financial institution employees through the process shown in FIG. Various implementation methods for the affiliate shopping process for providing a discount rate benefit to a shopping customer may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 22, the client terminal 140 on the affiliate shopping system shown in FIG. 1 will be referred to as "terminal" for convenience, and the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience. It is called.

Referring to FIG. 22, when the validity of the financial transaction customer is authenticated through the process illustrated in FIGS. 19 and / or 20, and a predetermined discount rate is applied to the financial transaction customer, the terminal defines the server. Request at least one product sales information to the server according to a predetermined internet shopping procedure corresponding to a predetermined internet shopping method (eg, online sales, auction / reverse auction, etc.) (2205), and correspondingly, the server requests a predetermined DBMS. Extracting at least one product selling information to which a discount rate corresponding to the process illustrated in FIGS. 19 and / or 20 is applied, and including the extracted product selling information and / or a product selling interface corresponding to the internet shopping scheme A predetermined web page is generated and transmitted to the terminal through the network means (2210).

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 (2215).

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 (2220), 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, and the merchandise corresponding to the extracted merchandise sales information and / or the internet shopping scheme. The process of generating a predetermined web page including a sales interface and transmitting the same 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 (2220), the terminal selects the product sales interface included in the web page. Generates and transmits the purchase target product information to the server (2225), and the server extracts (or confirms) payment information including at least one or more product information corresponding to the received purchase target product and a payment amount; 2230), 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; It transmits to the terminal through (2235).

Upon receiving the web page, the terminal checks whether the payment information included in the web page and / or the payment interface requests the financial settlement process in connection with the financial system (2240). .

If the terminal determines that the payment information included in the web page and / or the payment interface is requested to process the financial settlement in connection with the financial system (2245), the terminal receives the In operation 2250, predetermined financial settlement request information for requesting the financial settlement process is generated through the payment interface and is transmitted to the server.

Thereafter, the server processes the settlement amount of the purchase product in connection with the financial system based on the received financial settlement request information.

23 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to an embodiment of the present invention.

In more detail, FIG. 23 is a separate payment based on a financial account balance for the financial transaction customer (or employee of a financial institution) according to an embodiment of the present invention after internet shopping through the affiliate shopping mall shown in FIG. Regarding a process of financial settlement without payment processing by means, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the financial transaction customer (or financial institution employee) by referring to and / or modifying the drawing 23. Although various implementation methods of financial settlement processing can be inferred based on the financial account balance of the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 23, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 will be referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) will be referred to as "customer" for convenience.

Referring to FIG. 23, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process shown in FIG. 22, the server makes a predetermined payment through a predetermined toin means. Information and the customer information to the financial company server 145 (2300), the financial company server 145 in connection with the ledger D / B provided in the DBMS financial account balance (e.g., Check the financial account balance included in the account ledger associated with the customer ledger (2305), and compare the financial account balance with the payment amount included in the payment information, thereby providing a payment amount corresponding to the purchase product through the affiliate shopping mall; Check whether the payment can be processed (2310).

If payment processing for the payment amount included in the payment information is not possible through the financial account balance corresponding to the customer information (2315), the financial company server 145 generates predetermined payment error information to generate the communication means. In operation 2320, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if the payment processing for the payment amount included in the payment information is possible through the financial account balance corresponding to the customer information (2315), the financial company server 145 from the ledger D / B (for example, customer ledger) The customer wireless terminal information is extracted (2330), and the customer wireless terminal requests the customer approval for the financial settlement processing through the financial account balance using the customer wireless terminal information, and the financial information through the customer wireless terminal The client confirms the approval of the financial settlement process through the account balance (2335).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the financial account balance is not confirmed (2340), the financial institution server 145 generates predetermined payment error information and transmits it to the server through the communication means (2320). In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (2325).

On the other hand, if the customer approval for the financial settlement process through the financial account balance is confirmed (2340), the financial institution server 145 generates predetermined payment approval information and transmits it to the server through the communication means (2345), Complete the financial settlement process through the financial account balance.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process through the financial account balance is processed (2350), and when the settlement process for the settlement amount is confirmed (2355), the settlement amount from the financial account. A payment amount settlement process of depositing money and depositing it into the affiliate shopping mall account is performed (2360).

24 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another exemplary embodiment of the present invention.

In more detail, FIG. 24 illustrates a separate payment method based on a card limit for the financial transaction customer (or employee of a financial institution) according to an embodiment of the present invention after internet shopping through the affiliate shopping mall shown in FIG. As a process for financial settlement without payment processing using the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains refers to and / or modifyes the drawing 24 so that the financial transaction customer (or financial institution employee) Although various implementation methods of financial settlement processing may be inferred based on the card limit, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 24, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) is referred to as "customer" for convenience.

Referring to FIG. 24, if predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process shown in FIG. 22, the server may make a predetermined payment through a predetermined toin means. Information and the customer information to the financial company server 145 (2400), the financial company server 145 in connection with the ledger D / B provided in the DBMS card limit corresponding to the customer information (for example, customer The card limit included in the card ledger associated with the ledger) (2405), and compares the card limit with the payment amount included in the payment information to process the payment amount corresponding to the purchased product through the affiliate shopping mall. Check if it can be done (2410).

If payment processing for the payment amount included in the payment information is not possible through the card limit corresponding to the customer information (2415), the financial institution server 145 generates predetermined payment error information to provide the communication means. In operation 2420, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if it is possible to process payment for the payment amount included in the payment information through the card limit corresponding to the customer information (2415), the financial institution server 145 from the ledger D / B (for example, the customer ledger) Extract customer wireless terminal information (2430), request customer approval for the financial settlement process through the card limit to the customer wireless terminal using the customer wireless terminal information, and set the card limit through the customer wireless terminal. Confirm the customer approval for the financial settlement process through 2435.

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the card limit is not confirmed (2440), the financial institution server 145 generates predetermined payment error information and transmits it to the server through the communication means (2420). In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (2425).

On the other hand, when the customer approval for the financial settlement process through the card limit is confirmed (2440), the financial institution server 145 generates predetermined payment approval information and transmits it to the server through the communication means (2445). Complete the financial settlement process through the card limit.

Thereafter, the financial institution server 145 periodically checks whether the settlement amount settlement process through the card limit is performed (2450), and when the settlement process for the settlement amount is confirmed (2455), the settlement amount is determined by the affiliate shopping mall account. A payment amount settlement process for depositing money is performed (2460).

25 is a diagram illustrating a financial settlement process for an affiliate shopping mall according to another embodiment of the present invention.

In more detail, Figure 25 is a separate payment means based on the points earned for the financial transaction customers (or employees of financial institutions) according to an embodiment of the present invention after the Internet shopping through the affiliated shopping mall shown in Figure 22 As a process of financial settlement without payment processing using the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing 25 to obtain the financial transaction customer (or financial institution employee). Various implementation methods of financial settlement processing may be inferred based on the accumulated points, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 25, the affiliate shopping mall server 100 on the affiliate shopping system shown in FIG. 1 is referred to as "server" for convenience, and the financial transaction customer (or financial institution employee) is referred to as "customer" for convenience.

Referring to FIG. 25, when predetermined financial settlement request information is received from the client terminal 140 used by the customer through the process shown in FIG. 22, the server makes a predetermined payment through a predetermined toin means. Information and the customer information is transmitted to the financial company server 145 (2500), the financial company server 145 in connection with the customer ledger D / B provided in the DBMS points corresponding to the customer information (for example, customer Check the accumulated points included in the card ledger associated with the ledger (2505), and compares the accumulated payment points and the payment amount included in the payment information to process the payment amount corresponding to the purchased product through the affiliate shopping mall. Check if it can (2510).

If payment processing for the payment amount included in the payment information is not possible through the accumulation point corresponding to the customer information (2515), the financial company server 145 generates predetermined payment error information to provide the communication means. In operation 2520, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140.

On the other hand, if it is possible to process payment for the payment amount included in the payment information through the accumulation point corresponding to the customer information (2515), the financial institution server 145 from the ledger D / B (for example, the customer ledger) Extract customer wireless terminal information (2530), request customer approval for the financial settlement process through the earning point to the customer wireless terminal using the customer wireless terminal information, and the earned point through the customer wireless terminal Confirm customer approval for financial settlement processing (2535).

Those skilled in the art to which the present invention pertains, WAP (Wireless through a callback URL) through various implementation methods for requesting and confirming customer approval for the financial settlement process through the customer wireless terminal Application Protocol-based customer approval request and confirmation method, etc.), but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

If the customer approval for the financial settlement process through the earning point is not confirmed (2540), the financial company server 145 generates predetermined payment error information and transmits it to the server through the communication means (2520), In response, the server generates a web page including the payment error information and transmits the generated web page to the client terminal 140 (2525).

On the other hand, if the customer approval for the financial settlement process through the earning point is confirmed (2540), the financial company server 145 generates a predetermined payment approval information and transmits it to the server through the communication means (2545), Complete the financial settlement process by earning points.

Thereafter, the financial company server 145 periodically checks whether the settlement amount settlement process through the earning point is processed (2550), and when the settlement process for the settlement amount is confirmed (2555), the credit point is converted into a predetermined cash amount. In operation 2560, a settlement amount settlement process of depositing an amount corresponding to the settlement amount among the converted amounts into the affiliated shopping mall account is performed.

According to the present invention, an excellent customer among financial transaction customers corresponding to the financial institution has an advantage of being able to shop while being provided with the same discount rate as that of the financial institution employee through an internet shopping mall which the financial institution employee uses at a low cost.

According to the present invention, a financial transaction customer corresponding to the financial institution through the Internet shopping mall that the financial institution employees use at a low price can receive shopping at a discount rate corresponding to the financial transaction performance.

According to the present invention, the financial institution has an advantage of providing a low-cost, high-efficiency customer loyalty service through an internet shopping mall affiliated to improve the welfare of the employees of the financial institution.

Claims (6)

When the client terminal accesses a shopping mall affiliated with a financial institution, providing a customer group selection interface that allows the shopping mall server to select whether the client terminal is a financial institution employee or a financial transaction customer for the financial institution; When the client terminal selects a financial institution employee through the customer group selection interface, a financial institution employee customer authentication interface for authenticating a financial institution employee from the shopping mall server to the client terminal is provided, and the client terminal selection interface is selected from the client terminal. When a financial transaction customer for the financial institution is selected, providing a financial transaction customer authentication interface for authenticating the financial transaction customer from the shopping mall server to the client terminal; Transmitting authentication information provided by the client terminal from a shopping mall server to a financial institution server when the client terminal provides authentication information through a financial institution employee customer authentication interface or a financial transaction customer authentication interface; After receiving the authentication information transmitted from the shopping mall server at the financial institution server, if the authentication information is authentication information for authenticating the financial institution employee, the validity of the authentication information is authenticated through the employee information database, and the authentication is performed. If the information is authentication information for authenticating a financial transaction customer, after authenticating the validity of the authentication information through a customer information database, transmitting the authentication processing result to a shopping mall server; As a result of the authentication process, if the client accessing the shopping mall is an employee of a financial institution, the shopping mall server provides the sales target product information to which the employee discount rate of the financial institution is applied to the client terminal, and the client accessing the shopping mall is a financial transaction customer. When the shopping mall server, providing the sales target product information to which the financial transaction customer discount rate is applied to the client terminal; When the client terminal selects one or more of the target product information to which the discount rate is applied and requests payment processing, the shopping mall server finances the product information selected by the client terminal (product information including the product selling price information to which the discount rate is applied). Transmitting to an institution server; The financial institution server checks the balance or limit of the financial transaction means of the financial institution employee or the financial transaction customer, determines whether the payment processing is possible according to the verification result, and notifies the shopping mall server when the determination result and payment processing are possible. Doing; And And processing the purchase price of the product of the financial institution employee or the financial transaction customer periodically at the financial institution server. When the client accessing the shopping mall is a financial transaction customer, the shopping mall server provides the target product information to which the financial transaction customer discount rate is applied to the client terminal, wherein the financial transaction customer discount rate is the shopping mall server at the financial institution server. Provided as, but the settlement amount settlement method between the financial institution and the shopping mall, characterized in that the discount rate is determined in proportion to the financial transaction performance of the financial transaction customers. The method of claim 1, wherein the financial institution server checks the balance or limit of the financial transaction means of the employee or the financial transaction customer, determines whether the payment process is possible according to the verification result, and determines the settlement result. If not, the step of notifying the shopping mall server, After the financial institution server confirms the mobile phone number of the employee or the financial transaction customer of the financial institution, the financial institution further comprises the step of requesting approval of the payment processing to the mobile phone of the employee or financial transaction customer; How to settle payments between shopping malls. The financial transaction means of claim 1, wherein the financial institution employee or the financial transaction customer Settlement payment processing method between a financial institution and a shopping mall, characterized in that it comprises an account or card or points. delete delete delete

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