KR100873348B1 - System and Method for Settling Separately by Using Enterprise Intranet and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for divisional settlement using a corporate intranet and a recording medium therefor, wherein the method for divisional settlement using a corporate intranet according to the present invention opens an online account of a corporate employee having a predetermined corporate financial account as a parent account. And storing the online account information and the corporate employee information, which are opened to the corporate employee, in a predetermined storage medium in a predetermined information storage means, and storing at least one or more divided settlement target employees in the predetermined partial settlement request employee terminal. Requesting a partial settlement of the prepaid amount of money through information and predetermined prepaid amount information, generating a partial settlement amount for each employee of the divisional settlement subject in the predetermined information generating means, and executing the storage medium (or storage medium operating means) Information on employees subject to at least one partial settlement Generating a segment settlement settlement financial transaction information including the segmentation settlement online account information associated with the settlement settlement amount and the segment settlement settlement amount, and among the amounts deposited in the mother account through the division settlement settlement financial transaction information in a predetermined online account operation means; And setting the partial settlement amount of the withdrawal through the online account of the divided settlement request employee to be withdrawn through the online account of the employee who is the target of the partial settlement.

Corporate, Intranet, Split, Settlement

Description

System and Method for Settling Separately by Using Enterprise Intranet and Program Recording Medium}

1 is a diagram illustrating an online account registration system for processing a payment settlement between corporate employees according to an embodiment of the present invention.

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

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

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

5 is a diagram illustrating an information providing process for payment settlement processing between corporate employees according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an information providing process for payment settlement processing between corporate employees according to another exemplary embodiment of the present invention. FIG.

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

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

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

10 is a diagram illustrating a configuration of an online account operating system for payroll using an online account according to an embodiment of the present invention.

11 is a diagram illustrating an online account-based payroll request process according to an embodiment of the present invention.

12 is a diagram illustrating an online account-based payroll request process according to another embodiment of the present invention.

13 is a diagram illustrating an online account-based payroll processing process according to an embodiment of the present invention.

14 is a diagram showing the configuration of an online account operating system for the process of payment settlement split between employees using an online account according to an embodiment of the present invention.

15 is a diagram illustrating an online account-based Dutch Pay request process according to an embodiment of the present invention.

16 is a view illustrating an online account-based Dutch Pay approval process according to an embodiment of the present invention.

17 is a diagram illustrating an online account-based Dutch Pay processing process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: enterprise server 105: interface unit

110: interface providing unit 115: enterprise dedicated service unit

120: information receiving unit 125: employee certification unit

130: information storage unit 135: information relay unit

140: storage medium 145: employee terminal

150: information processing server 155: information receiving unit

160: Ga Shin Kyu establishment 165: Caustic account processing unit

170: new provision management department 175: real name confirmation unit

180: new account processing unit

According to the present invention, when opening an online account of a corporate employee whose parent account is a predetermined corporate financial account, the online account information opened to the corporate employee by the predetermined information storage means and the corporate employee information are stored in a predetermined storage medium. Requesting a partial settlement of the prepaid amount of money through at least one or more divided settlement target employee information and predetermined prepaid amount information of the predetermined partial settlement request employee terminal; Generates a partial settlement amount for each employee to be settled, and includes a segmentation settlement online account information linked to at least one or more divisional settlement target employee information in association with the storage medium (or storage medium operation means) and the divided settlement amount. Generating the settlement financial transaction information and operating a predetermined online account; However, among the amounts deposited in the parent account through the divided settlement financial transaction information, the divided settlement amount among the amounts that can be withdrawn through the online account of the employee subject to the divided settlement is set to be withdrawn through the online account of the divided settlement requesting employee. The present invention relates to a divisional settlement method using a corporate intranet including the steps of:

With the rapid development of information and communication technology and the convergence of the advanced information and communication technology and financial services as described above, companies open and operate a predetermined online account online without visiting the window for employees of the register in connection with a predetermined financial institution. Will provide a variety of online account services dedicated to businesses.

On the other hand, since the employee's online account for the company-specific online account service will play the role of payroll account, it is preferable to also be accompanied by various additional services through the salary, but through the conventional financial transaction techniques online account It is difficult to provide various value-added services that meet the characteristics.

An object of the present invention for solving the above problems is, when opening an online account of a corporate employee having a predetermined corporate financial account, a predetermined storage by linking the online account information and the corporate employee information opened to the corporate staff respectively If the information storage means for storing in the medium and the predetermined partial settlement request employee terminal requests a partial settlement for the upfront payment amount through at least one or more divided payment target employee information and a predetermined upfront payment information, A partial settlement financial transaction information including a partial settlement amount and a partial settlement online account information linked to at least one or more divisional settlement target employee information in association with the storage medium (or a storage medium operating means) and the divided settlement amount Information generating means for generating a and the settlement settlement financial transaction information A company having an online account operation means for setting the withdrawal amount to be withdrawn through an online account of the requesting employee of the partial settlement among the amounts that can be withdrawn through the online account of the employee subject to the partial settlement among the amounts deposited in the mother account through The present invention provides a divisional settlement system using an intranet.

In the divisional settlement method using the corporate intranet according to the present invention, when opening an online account of a corporate employee whose parent account is a predetermined corporate financial account, the online account information and the corporate employee opened to the corporate employee by predetermined information storage means, respectively. Storing information in a predetermined storage medium by linking the information, and requesting a partial settlement of the upfront payment amount through at least one or more divisional settlement target employee information and a predetermined upfront payment amount information in a predetermined partial settlement request employee terminal; And generate a partial settlement amount for each of the employees subject to the partial settlement in a predetermined information generating means, and perform the partial settlement settlement online account information linked to at least one or more divisional settlement target employee information in connection with the storage medium (or the storage medium operating means). A split settlement financial transaction including the split settlement amount; Generating a partial settlement amount of the amount that can be withdrawn through the online account of the employee who is the target of the divisional settlement among the amounts deposited in the parent account through the divisional settlement financial transaction information in a predetermined online account operation means; Characterized in that it comprises the step of enabling the withdrawal through the request employee's online account.

According to the present invention, the step of requesting the partial settlement of the prepaid amount of money through the at least one or more divided payment target employee information and a predetermined prepaid amount of money information in the divided settlement request employee terminal, the partial settlement using the intranet of the company It is characterized by requesting a transaction.

According to the present invention, the step of requesting the partial settlement of the prepaid amount of money through at least one or more divided payment target employee information and a predetermined prepaid amount of money information in the divided settlement request employee terminal, the name or ID of the company employee, Or requesting a partial settlement transaction using employee number information.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described divisional settlement method using the corporate intranet.

On the other hand, the divisional settlement system using the corporate intranet according to the present invention, when opening an online account of the corporate employee with a predetermined corporate financial account, by connecting the online account information and the corporate employee information opened to each of the corporate employees When the partial payment for the upfront payment amount is requested through information storage means for storing in a predetermined storage medium and at least one or more divided payment target employee information and a predetermined upfront payment amount information, the predetermined partial settlement request employee terminal requests the partial settlement; Generates a partial settlement amount for each of the target employees, and includes a partial settlement settlement including online payment information and the partial settlement amount of the segmentation settlement linked to at least one or more divisional settlement target employee information in connection with the storage medium (or storage medium operation means). Information generating means for generating financial transaction information and the divided tablet An online account operation for setting the withdrawal amount to be withdrawn through the online account of the employee requesting the partial settlement among the amounts that can be withdrawn through the employee's online account among the amounts deposited in the mother account through the financial transaction information. It is characterized by comprising a means.

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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating an online account registration system for processing payment settlement between corporate employees according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an online account for opening an online account for processing a partial payment settlement between corporate employees from a predetermined employee terminal 145 to a predetermined corporate server 100 through a predetermined network means. When the application information is provided, the enterprise server 100 provides the online account application information provided from the employee terminal 145 to a predetermined information processing server 150 provided at a predetermined financial institution, thereby providing the information processing server ( A system configuration for opening an online account corresponding to the online account application information at 150), specifically, to open an online account in the form of a virtual account in which the online account is a real account in the name of the online account management company. It is a figure which shows a system structure.

Those skilled in the art to which the present invention pertains refer to and / or modify this drawing 1 to divide payments among corporate employees in addition to online accounts in the form of virtual accounts having real accounts in the name of the online account operating company. Although an implementation method for the system for registering various types of online accounts for settlement processing may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

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

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account in the name of the online account operating company as a parent account is provided through a predetermined network means. Access to corporate server 100 (e.g., an intranet server provided in a company or a private banking server in a company), etc. to confirm real names (e.g., laws and concurrent regulations on financial real-name trading and confidentiality (Presidential Decree) (15744) requesting online account registration (or opening) for the processing of partial payment of the payment between the employees of the enterprise without confirmation of the financial real name under No. 15744), and applying the predetermined online account application information corresponding to the online account registration (or opening). The employee terminal 145 provided to the corporate server 100 and the employee terminal 145 are connected to the employee terminal 145 through a predetermined network means, and the employee An enterprise server 100 which receives predetermined online account application information from the terminal 145 and provides the received online account application information to an information processing server 150 provided in a predetermined financial institution; 100 is connected through a predetermined communication means to receive the online account application information from the enterprise server 100, and online corresponding to the online account application information in the customer's name based on the received online account application information. It is provided with an information processing server 150 for processing and opening an account with a new provision and a financial system for operating an online account processed with the new provision.

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

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

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

The financial system may also include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or affiliated with the financial institution. At least one financial terminal provided in at least one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected via, and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) and / or a wireless data communication network based on DataTAC / Mobitex. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined online account through an online channel may use the company through at least one or more employee terminals 145 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the server 100, and receives a variety of application services provided by the enterprise server (100).

Here, the wired terminal connected to the wired communication network among the employee terminals 145 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network. (Desktop) A computer and / or notebook, or a consumer terminal connected to the TCP / IP based network (eg, Set-Top-Box, etc.), or a kiosk connected to a TCP / IP based network. It is preferable to include at least one or more.

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

The corporate server 100 is at least one intranet server or a private banking server provided in the company, the employee terminal 145 is connected through the wired communication network and / or wireless communication network to process various tasks in the enterprise. It is preferable to comprise.

According to the present invention, at least one or more items (or requesting a new establishment) are sold to at least one or more customers online by the financial institution in the information providing service provided by the corporate server 100 to the employee terminal 145. Characterized in that it comprises a financial product information, wherein the financial product information is characterized in that the customer comprises at least one or more online account product information for registering the online account for the payment settlement processing between the corporate staff do.

In addition, the corporate server 100 is the customer through the network means including the wired and / or wireless communication network the customer applies for the financial product (for example, an online account for the payment settlement processing between the employees of the company) (or At least one user interface for purchase) to the employee terminal 145, wherein the employee terminal 145 is a predetermined online account for the partial payment settlement process between the company employees through the user interface The application information may be input (or selected) and transmitted to the enterprise server 100 through a network means including the wired communication network and / or the wireless communication network.

To this end, the employee terminal 145 outputs at least one or more user interfaces provided from the corporate server 100, and inputs and / or selects at least one or more online account application information through the user interface to the corporate server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function communicating with the enterprise server 100, etc.) for transmitting to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the enterprise server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the employee terminal 145 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the corporate server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the corporate server 100 is characterized by comprising an interface unit 105 for connecting and managing a predetermined communication channel with the employee terminal 145 through the network means.

According to an exemplary embodiment of the present invention, when the employee terminal 145 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network. And / or connect at least one communication channel with the employee terminal 145 based on a protocol stack defined in a wireless network, and use at least one or more communication protocols defined in a communication program provided in the employee terminal 145. It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when the employee terminal 145 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 is connected to the employee terminal 145 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the employee terminal 145 is provided with a communication program provided by the corporate server 100, the interface unit 105 establishes a communication channel with the employee terminal 145 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the employee terminal 145 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 145 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the employee terminal 145. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 145, the interface unit 105 is based on the CDMA protocol. 145 and a communication channel, and using a WAP / ME protocol defined in the browser program to transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 1, the corporate server 100 has an interface unit 105 when a predetermined employee terminal 145 accesses the corporate server 100 and / or applies for an online account through the interface unit 105. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the employee terminal 145 to input (or select) and transmit predetermined online account application information. The online interface provided by the employee terminal 145 and the interface unit 105 and a predetermined online input (or selected) transmitted by the employee terminal 145 through the user interface in conjunction with the interface unit 105. An information receiving unit 120 for receiving account application information and an information relay unit 135 for providing the received online account application information to an information processing server 150 provided at a financial institution through a predetermined communication means. It is characterized by comprising.

In addition, the corporate server 100 is at least one of the function to perform the business procedure in the company or at least one employee terminal 145 in connection with the interface unit 105, or provide a private banking service in the company. Characterized in that it comprises a corporate dedicated service unit 115 that provides the above functions, if the person having ordinary knowledge in the technical field to which the present invention belongs, the enterprise server 100 performs the in-company business procedure Since you will be familiar with how to provide intranet function or private banking function within an enterprise, a detailed description thereof will be omitted for convenience.

In addition, the corporate server 100 is applied for the online account received from the employee terminal 145 through the information receiving unit 120 for the post management of the online account application information received through the information receiving unit 120. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 150 based on the online account application information in a predetermined storage medium 140. Characterized in that it further comprises a storage unit 130, wherein the online account issuance information is the online account security information received from the employee terminal 145, the new provision processing agreement information (or new application information), At least one or more of virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the like. It eojineun preferred.

In addition, the corporate server 100 may include the online employee application information received through the information receiving unit 120, the corporate employee information, or the corporate employee information from the employee terminal 145 during the online account registration process. When received, by comparing the received company employee information and the employee information of the company stored in the predetermined employee information D / B (not shown), the customer registering the online account is authenticated whether the employee of the online account management company It is preferable that the employee authentication unit 125 is further provided, and when the employee authentication unit 125 is provided in the corporate server 100, only the employees whose employee authentication is normally processed register the online account. It is preferable.

The interface providing unit 110 has a function provided in the employee terminal 145 when a predetermined employee terminal 145 connects to the corporate server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the enterprise server 100 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface generated by the interface (105) from the web source D / B (not shown) to the employee terminal 145 through the network means. It is done.

Thereafter, the employee terminal 145 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the corporate server 100 through the network means. To send).

According to an exemplary embodiment of the present invention, when the employee terminal 145 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is preferable to provide a user interface extracted from) to the employee terminal (145).

According to another exemplary embodiment of the present invention, when the employee terminal 145 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is generated through the interface unit 105. It is preferable to provide a user interface extracted from the ()) to the employee terminal 145.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined online account application information from the employee terminal 145 in the corporate server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the employee terminal 145 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Liver and preferably outputs an online account item detailed information, such as the expected rate of return information to the staff terminal 145, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the employee terminal 145, and the customer agrees to the terms and conditions. It is preferable to make it.

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

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

Thereafter, the employee terminal 145 provides online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products through the user interface, and the online account products. Input (or select) the online account application information including at least one agreement information corresponding to the agreement, the online account deposit amount information, and at least one customer information of the customer applying for the online account; Send to 100.

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the employee terminal 145, the employee terminal 145 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the enterprise server 100 through the network means, or the online account application information further includes the online account security information through the network means. The enterprise server 100 transmits.

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

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the employee terminal 145 the provisions of the provisions of new provisions and the provisions of new provisions (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) indicating that the processing is performed; Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the employee terminal 145, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing consent information (or provisional provision application information) is provided to the employee terminal 145, the employee terminal 145 uses the provisional processing consent information ( Or after entering (or selecting) provisional provision information), transmitting the input (or selection) provisional processing consent information (or provisional provision information) to the enterprise server 100 through the network means; Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the enterprise server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information as a parent account of the online account management company name. Enter (or select) virtual account processing information including parent account information including at least one online account management company and mother account information corresponding to a real account operated by the mother account management institution in order to open a virtual account; It is preferable that the interface further comprises a).

When an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the employee terminal 145, the employee terminal 145 uses the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the enterprise server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the enterprise server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has no history of financial transactions with the financial institution), the user interface for receiving (or selecting) the online account application information is the employee terminal. And an interface for outputting financial transaction application condition information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application condition. In case of a financial transaction customer of the financial institution, the interface may be omitted. And, or but it may be included in a non face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) which specifies to the interface is in accordance with the intention of those skilled in the art.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the employee terminal 145, the employee terminal 145 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the enterprise server 100 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is the employee terminal 145 and the financial institution. Process at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

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

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the employee terminal 145, the employee terminal 145 may be configured to execute the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the corporate server 100 through the network means. .

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include inputting (or selecting) corporate employee information of an executive (or employee) in the online account management company. It is preferred to include an interface.

When the employee terminal 145 is provided with an interface for inputting (or selecting) corporate employee information on an executive (or employee) in the online account management company, the employee terminal 145 is connected to the company through the interface. After inputting (or selecting) employee information, the corporate employee information is transmitted to the corporate server 100 through the network means, or the corporate employee information is added to the online account application information. It includes and transmits to the enterprise server 100 through the network means.

Herein, the corporate employee information may include the customer information, or may include predetermined employee identification information (eg, employee number) assigned to the employee by the company. It is preferable that it further comprises.

When the employee terminal 145 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 135 and / or the information storage unit 130.

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

In addition, the employee terminal 145 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the employee terminal 145 sends the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 135 and / or information storage unit 130.

In addition, the employee terminal 145 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the employee terminal 145. In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 135 and / or information storage unit 130.

In addition, the employee terminal 145 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the employee terminal 145. In this case, the virtual account processing information is included in the online account application information and transmitted, and the information receiving unit 120 interoperates with the interface unit 105 to perform virtual account processing information including the mother account management institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 135 and / or the information storage unit 130.

In addition, the employee terminal 145 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or sends the financial transaction application information from the employee terminal 145. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 135 and / or information storage unit 130.

In addition, the employee terminal 145 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the employee terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted to the online account application information at 145, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 135 and / or. Alternatively, the information storage unit 130 is provided.

In addition, the employee terminal 145 inputs (or selects) predetermined corporate employee information through the user interface and transmits the information through the network means, or the employee terminal 145 transmits the corporate employee information to the online account. If the transmission is included in the application information, the information receiving unit 120 is characterized in that for receiving the corporate employee information in conjunction with the interface unit 105, and the received corporate employee information the employee authentication unit 125 And / or to the information relay unit 135 and / or the information storage unit 130.

The employee authentication unit 125 is provided with the corporate employee information received through the information receiving unit 120 and the corporate server 100 (or provided in a predetermined DB server associated with the corporate server 100) Comparing employee information of the company stored in the employee information D / B (not shown), characterized in that the customer registering the online account is authenticated whether the employee of the online account management company.

The information storage unit 130 stores the online account application information received through the information receiving unit 120 in a predetermined storage medium 140 by including the online account issuance information. The server 100 (or the corporate server operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 140.

When the online account security information is received through the information receiving unit 120, the information storage unit 130 stores the online account issuing information in which the online account security information is linked to the online account request information in the storage medium 140. And the online account security information is used by the corporate server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information storage unit 130 may add the provisional processing information to the online account application information (or provisional provisional information). And storing the online account issuance information linked to the application information in the storage medium 140, wherein the provisional processing agreement information (or provisional new application information) is stored in the enterprise server 100 (or the online application). A financial transaction server using an account provides a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

When the virtual account processing information including the mother account management agency information and the mother account information is received through the information receiving unit 120, the information storage unit 130 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 140, the virtual account processing information is the financial real name of the online account in the corporate server 100 (or a financial transaction server using the online account) Before confirmation, at least one financial transaction using the online account is provided based on a virtual account based on a real account in the name of the online account management company.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 130 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 140, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is The up server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

When the corporate employee information is received through the information receiving unit 120, the information storage unit 130 stores the online account issuing information in which the corporate employee information is linked to the online account application information to the storage medium 140. Characterized in that the storage, the corporate employee information is preferably made by including the customer information, or comprises a predetermined employee identification information (eg, employee number) assigned to the employee in the company.

According to the method of the present invention, the information storage unit 130, if the predetermined online account corresponding to the online account application information is opened by the information processing server 150, the corporate server 100 (or the A storage medium further including the online account information opened by the information processing server 150 in order to process at least one financial transaction using the online account in the online account issuing information. It is preferable to replace the online account application information stored in the 140 or included in the online account issuing information with the online account information opened by the information processing server 150, and thus the present invention is not limited thereto. .

Here, the online account information is included in the online account number in the form of a virtual account number generated by the provisional opening unit 160 and the virtual account processing unit 165 of the information processing server 150 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the online account management company information and the financial institution information on which the online account is opened.

The information relay unit 135 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 150 provided in the financial institution (opened).

Here, the communication means for connecting the corporate server 100 and the information processing server 150, a dedicated communication network for blocking access to a third party other than the enterprise server 100 and the information processing server 150, and / or Secure communication network that provides a secure communication function between the enterprise server 100 and the information processing server 150 (eg, the enterprise server 100 encrypts the online account application information by a predetermined encryption method to the information processing server 150). And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 150).

When the online account security information is received through the information receiver 120, the information relay unit 135 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying the data to the information processing server 150 provided at the financial institution (where the online account corresponding to the product is opened), whereby the information processing server 150 transmits the information to the financial system provided at the financial institution. The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 135 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the information to the information processing server 150 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 150 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 135 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the transmission to the information processing server 150 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 150 is the customer of the online account application Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 135 transmits the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 150 provided in the financial institution corresponding to the product (eg, the online account corresponding to the online account is opened). An online account corresponding to the online account application information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account in the name of the online account operating company as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 135 receives the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 150 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 150 opens an online account in the non-face-to-face processing of the financial transaction using the online account in the corporate server 100 in the financial system provided in the financial institution.

When the corporate employee information is received through the information receiver 120, the information relay unit 135 transmits the corporate employee information to the online account product through a predetermined communication means (eg, to the online account product). It can be relayed to the information processing server 150 provided in a financial institution (where a corresponding online account is opened), in which case the corporate employee information is included in the online account ledger information or the addition of the online account ledger. It is preferably included as information.

According to another exemplary embodiment of the present invention, when the information processing server 150 is provided with an enterprise server 100 function and / or the information processing server 150 is a predetermined banking server, the information relay unit ( 135 links and relays the employee terminal 145 and the information processing server 150 so that the online processing information (and / or provisional rules) from the employee terminal 145 in the information processing server 150 is relayed. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to a predetermined user interface for receiving application information), and / or corporate employee information), whereby the information processing server 150 is connected via a predetermined network means. From the employee terminal 145, the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account It is possible to directly receive processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one corporate server 100 and the information processing server 150 may be relayed between the enterprise server 100 and the information processing server 150, and / or the A predetermined relay server (not shown) which relays the corporate server 100 and the at least one information processing server 150 and / or relays the at least one corporate server 100 and the at least one information processing server 150. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the information processing server 150 may provide online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the enterprise server 100 through the communication means, and And / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. A new information establishing unit 160 for receiving a new information and an online account corresponding to the online account application information received through the information receiving unit 155 in association with a predetermined financial system; A virtual account processing unit 165 for processing the online account opened as the new account in the form of a virtual account having a real account in the name of the online account operating company as a parent account, and an online account in the form of the virtual account. The real estate management unit 170 that manages before real name verification for the online account request customer and the real name of the financial transaction application customer for the online account opened as a new account in response to the online account application information If the real name of the real name confirmation unit 175 and the online account opened with a new provision in response to the online account application information is confirmed, the new online account is processed as a new financial account. It is characterized by comprising a new account processing unit 180 to.

The information receiving unit 155 may be configured to provide online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online account security information provided from the enterprise server 100 through the communication means. And / or receive financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. The received online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / Alternatively, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information may be provided to the provisional provision establishment unit 160.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the enterprise server 100 according to one embodiment of the present invention. When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information are encrypted, the information receiving unit 155 may be used. Encrypted online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or It is preferable to further comprise a function for decoding the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information.

The provisional establishment section 160 is the online account application information (and / or provisional processing agreement information (or provisional application information), and / or online) from the enterprise server 100 through the information receiving unit 155 Account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual account processing information, and / or Read the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information, and read the online account application information (and / or the provisional processing agreement information (or New application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / Or a company-based online account corresponding to company employee information).

Here, the new provision opening unit 160 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information on the basis of the financial system The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the hypothesis on the ledger D / B provided in the Predetermined customer ledger corresponding to account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information (can be omitted if the customer ledger is already registered); and /In addition , Including registering the at least one online account ledger (e.g., received online account ledger corresponding to the application information) is characterized in that formed.

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

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

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

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

That is, the new provision establishment unit 160 is the online account application information (and / or provisional processing agreement information (or new provision application information) received through the enterprise server 100, and / or online account security information) And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. A process of opening the online account (for example, a process of registering a predetermined online account ledger) by interworking with an external system and / or information system provided therein, and providing the result to the virtual account processing unit 165. .

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

The virtual account processing unit 165 processes the online account (or online account ledger) opened by the provisional opening unit 160 as a virtual account having a real account in the name of the online account operating company as a parent account. It is done.

According to the method of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account in the name of the online account management company as a parent account does not include the conventional virtual account ledger information. It is preferable to include real account ledger information (for example, ledger information including an account number following an account number system corresponding to a real account) that can be processed as a new account in the form of a real account when the financial real name of the online account is confirmed. Preferably, before the real name verification for the online account is processed in the form of a virtual account having a real account in the name of the online account operating company as a parent account.

According to another embodiment of the present invention, the online account ledger corresponding to an online account processed in the form of a virtual account having a real account in the name of the online account management company as a parent account may be a real account in the name of the online account management company. Virtual account ledger information (for example, ledger information including account number conforming to the virtual account number system) may be included. In this case, the virtual account ledger information is used when the financial account name of the online account is confirmed. It is possible to convert (or replace) information (for example, ledger information including an account number following an account number system corresponding to a real account), thereby limiting the present invention.

Subsequently, the provisional management unit 170 processes and manages the online account opened as the provisional provision as a virtual account using the real account of the name of the online account operation company as the parent account until the real name verification for the online account application customer is performed. It features.

According to the implementation method of the present invention, the provisional management unit 170 is processed to deposit the deposit amount in the virtual account when a predetermined amount is deposited (or transferred) to the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 170 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest is calculated for the amount deposited in the online account through the financial system, the new management unit 170 of the online account operating company name of the virtual account form of the virtual account in the form of a parent account Characterized in the interest of the online account.

By processing the online account as a virtual account with the real account of the name of the online account management company as a parent account as described above, the provisional management unit 170 is the law on financial real-name transaction and confidentiality until the online account is verified real name. And contravention (Presidential Decree No. 15744).

The real name verification unit 175 is the law and concurrent orders on the financial real-name system transactions and confidentiality while the online account opened by the new provision opening unit 160 is managed by the new provision management unit 170 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 175 confirms whether the real name of the online account application customer for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 175 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is a good idea to verify that the customer's real name is verified.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the In the case where the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 175 is responsible for recognizing the online account through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the customer applying for the online account), the real name verification unit 175 is a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 175 is provided in the financial system (or provided in the financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 175 is a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 175 checks the real name of the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 175 generates the real name verification information for the online account application customer and provides it to the new account processing unit 180. do.

Alternatively, when the real name of the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 175 generates unidentified name information of the online account request customer to generate the new account processor 180. To provide.

When the real name verification information is provided from the real name verification unit 175 including the real name of the customer for the online account application within the real name verification period, the new account processing unit 180 is linked with the financial system. The online account processed by the new provision opening unit 160 and / or new provision management unit 170 as a new provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 175 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 180 The online account processed by the new provisions opening unit 160 and / or new provisions management unit 170 as a new provision in connection with the external and / or information system provided in the financial system is available for all financial transactions It is desirable to process with a valid new financial account.

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 180 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 180 withdraws (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system to the online account. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another exemplary embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account has a withdrawal prevention function associated with the parent account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal preventing function by being processed into an account, the new account processing unit 180 is provided with an external system provided in the financial system and / or Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 180 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 155 may set the online account opening date to the corporate server 100. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information, or the provisional opening unit 160 opens the online account on the financial system. It is preferable to apply retrospectively to any one of the dates established as.

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

More specifically, Figure 2 is a virtual account ledger that uses the real account of the online account operating company as the parent account in the ledger information stored in the predetermined ledger D / B 200 provided in the DBMS on the financial system shown in FIG. As shown in the online account ledger information stored in accordance with the virtual account ledger information to those of ordinary skill in the art to which the present invention pertains, refer to and / or modified the present ledger D / B Although it may be possible to infer various information configuration methods for storing the online ledger information according to the virtual account ledger information in the virtual account ledger having the real account of the online account management company as the parent account, but the present invention implements all the inferred embodiments. It includes a method, and is not limited to the implementation method shown in FIG.

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

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

According to an embodiment of the present invention, the customer ledger for the online account registration in the form of a virtual account associated with a parent account which is a real account of the online account management company through the online account registration system shown in FIG. An online account management company that stores account ledgers as financial transactions customers and stores the information of a customer ledger and is linked to a parent account that is a real account of the online account management company through the online account registration system shown in FIG. It is desirable to store the online account ledger information for registering the online account.

Here, the online account management company customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account is a conventional financial transaction customer of the financial institution. When the ledger D / B 200 is provided with a customer ledger of a customer who opens the online account, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the online account management company is relationally associated with the customer ledger of the online account management company, and at least one or more financial accounts of the financial account of the online account management company. Is preferably corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG.

Here, among the account ledgers of the online account management company, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 is connected in relation to the virtual account ledger. desirable.

The virtual account ledger is relational with the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among at least one financial account corresponding to the online account management company. The virtual account ledger information is characterized in that it comprises an information structure including the mother account number and the mother account management institution information in addition to the basic account ledger information, such as the account ledger.

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

Those of ordinary skill in the art to which the present invention pertains, the virtual account ledger information configuration associated with the account ledger of the online account management company based on the basic account ledger information configuration, and the virtual account ledger information configuration Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the corporate employee information including predetermined online account operation company information, employee position information, department information, and corporate employee identification information for the divisional settlement processing of the company employee to the online account ledger It is desirable to link and store the corresponding additional information.

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

In more detail, FIG. 3 illustrates the operation of the online account through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B 300 provided in a DBMS on the financial system shown in FIG. FIG. 3 shows an information structure for linking a real account of a company in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. Although it is possible to infer various information configuration methods for linking a predetermined online account ledger in B into a virtual account form of a real account of the online account management company through predetermined virtual account processing information, the present invention infers that It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger D / D provided in the DBMS on the financial system B 300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. do.

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

According to an embodiment of the present invention, through the online account registration system shown in Figure 1, the customer ledger for the online account registration of the virtual account form associated with the parent account which is the real account of the online account management company, The form of a virtual account linked to a mother account which stores the information of a customer ledger of an online account management company for which the online account management company is a financial transaction customer and is the real account of the online account management company through the online account registration system shown in FIG. It is desirable to store the online ledger account ledger information for registering online accounts.

Here, the online account management company customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account is a conventional financial transaction customer of the financial institution. When the customer ledger of the customer who opens the online account is already provided in the ledger D / B 300, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the online account management company is relationally associated with the customer ledger of the online account management company, and at least one or more financial accounts of the financial account of the online account management company. Is preferably corresponding to the parent account for processing the online account registered through the online account registration system shown in Figure 1 as a virtual account.

Here, among the account ledgers of the online account management company, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 may include an online account ledger processed with the virtual account. It is desirable to be linked.

The online ledger includes the same basic ledger information as the ledger, and includes an online account number and a parent account number corresponding to a mother account for processing the online account as a virtual account among the financial accounts of the online account operating company. And a predetermined virtual account processing information including at least one or more of the parent account management institution information (eg, online account management company information) as additional information, thereby converting the online account into a financial account of the online account management company. And the virtual account processing information is matched with the online account application information and the virtual account processing information received from the employee terminal 145 on the online account registration system shown in FIG. 1. desirable.

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

The mother account number of the virtual account processing information preferably includes an account number of a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the name of the online account management company. Do.

It is preferable that the mother account management institution information of the said virtual account processing information contains the said online account management company information corresponding to the account holder of the real account corresponding to the said mother account number.

Those skilled in the art to which the present invention belongs, infer the configuration of the online ledger information associated with the account ledger of the online account management company through the virtual account processing information based on the structure of the ledger information. Since it may be, a detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the corporate employee information including predetermined online account operation company information, employee position information, department information, and corporate employee identification information to correspond to the online account ledger for the divisional settlement processing between the company employees. It is preferable to link and store the additional information.

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

In more detail, FIG. 4 shows a predetermined virtual account as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in FIG. It shows the configuration of the information linked to the virtual account form of the real account of the online account operating company as the parent account through the processing information, and further linked processing of the provisional new processing information for processing a predetermined new account in the online account ledger. As one of ordinary skill in the art to which the present invention pertains, the online account ledger in the ledger D / B is converted to the online account through predetermined virtual account processing information by referring to and / or modifying the drawing 4. It would be possible to infer various ways of organizing information to be processed as a new account by linking the operating company's real account as a parent account. The name includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers, in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. do.

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

According to an embodiment of the present invention, the customer ledger for the online account registration in the form of a virtual account associated with a parent account which is a real account of the online account management company through the online account registration system shown in FIG. An online account management company that stores account ledgers as financial transactions customers and stores the information of a customer ledger and is linked to a parent account that is a real account of the online account management company through the online account registration system shown in FIG. It is desirable to store the online account ledger information for registering the online account.

Here, the online account management company customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account is a conventional financial transaction customer of the financial institution. When the ledger D / B 400 is provided with a customer ledger of a customer who opens the online account, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the online account management company is relationally associated with the customer ledger of the online account management company, and at least one or more financial accounts of the financial account of the online account management company. Is preferably corresponding to the parent account for processing the online account registered through the online account registration system shown in Figure 1 as a virtual account.

Here, among the account ledgers of the online account management company, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 may include an online account ledger processed with the virtual account. It is desirable to be linked.

The online ledger includes the same basic ledger information as the ledger, and includes an online account number and a parent account number corresponding to a mother account for processing the online account as a virtual account among the financial accounts of the online account operating company. And a predetermined virtual account processing information including at least one or more of the parent account management institution information (eg, online account management company information) as additional information, thereby converting the online account into a financial account of the online account management company. And the virtual account processing information is matched with the online account application information and the virtual account processing information received from the employee terminal 145 on the online account registration system shown in FIG. 1. desirable.

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

It is preferable that the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the online account management company name. Do.

It is preferable that the mother account management institution information of the said virtual account processing information contains the said online account management company information corresponding to the account holder of the real account corresponding to the said mother account number.

Those skilled in the art to which the present invention belongs, infer the configuration of the online ledger information associated with the account ledger of the online account management company through the virtual account processing information based on the structure of the ledger information. Since it may be, a detailed description thereof will be omitted for convenience.

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

The provisional opening unit 160 and / or provisional management unit 170 of the information processing server 150 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system, and the online account Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is linked and stored as additional information corresponding to the online account ledger, and the new provision processing information is received online from the employee terminal 145 on the online account registration system shown in FIG. It is preferably generated based on the account application information and the provisional processing consent information (or the provisional application information).

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

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

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account is the date retroactive to the real name verification date.

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

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

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

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

According to the implementation method of the present invention, the corporate employee information including predetermined online account operation company information, employee position information, department information, and corporate employee identification information to correspond to the online account ledger for the divisional settlement processing between the company employees. It is preferable to link and store the additional information.

5 is a diagram illustrating an information providing process for processing a settlement payment between corporate employees according to an exemplary embodiment of the present invention.

In more detail, in FIG. 5, when the corporate server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the employee terminal 145, the user terminal 145 may request the user account interface. Input (or select) predetermined online account application information through the predetermined network means to provide the corporate server 100, and the corporate server 100 provides the online account application information through a predetermined communication means. The process of providing to the information processing server 150 provided in the financial institution, if the person having ordinary knowledge in the technical field to which the present invention belongs, the employee terminal 145 by referring to and / or modified in this figure 5 But it can be inferred from the various implementation methods for providing the online account application information to the information processing server 150 through the corporate server 100, The present invention includes all of the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the employee terminal 145 is illustrated to provide only the online account application information to the corporate server 100. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the corporate server 100 to the employee terminal 145, in addition to the online account application information in the employee terminal 145, the provisional processing agreement information (or provisional application information) and / or online. It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is in the employee terminal 145, the new provision processing consent information (or new provision application information), and / or online account security information, and / or financial And application method, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the enterprise server 100 in response to the security function provided in the communication means for connecting the corporate server 100 and the information processing server 150 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information is encrypted and transmitted, and the information processing server 150 displays the online account application information (and / or false transaction processing information). (Or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application) I), and would be able to infer the exemplary method for decoding / or corporate employee information), the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the employee terminal 145 illustrated in FIG. 1 connects to the enterprise server 100 through a network means including at least one wired and / or wireless communication network (500), and the company At least one web-based service provided by the server 100 is used (505). At this time, the corporate server 100 is provided to the online account product according to the present invention to the web-based service provided to the employee terminal 145. While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Therefore, while the enterprise server 100 provides at least one web-based service to the employee terminal 145 as described above, the online account subscription user interface is subscribed online from the employee terminal 145 to the online account product. Periodically check whether a predetermined online account request user interface is requested for (510), if the financial product request interface is requested from the employee terminal 145 (515), the corporate server 100 is the employee terminal Generate a predetermined online account application user interface to be provided to 145 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the employee terminal 145 inputs (or selects) predetermined corporate employee information and online account application information through the online account application user interface (530), and the online account application information is requested by the customer (or At least one online account product selection information for selecting at least one online account product to be purchased, agreement terms corresponding to the online account product, the online account deposit amount information, and customer information for the online account applicant. It is preferable to include one or more.

When the online account application information is input (or selected) as described above, the employee terminal 145 transmits the corporate employee information and the online account application information to the corporate server 100 through the network means (535).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the employee terminal 145, the employee terminal 145 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the enterprise server 100 through the network means, or the online account application information further includes the online account security information through the network means. The enterprise server 100 transmits.

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

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the employee terminal 145, and the customer is informed of the provision of the new provision terms and conditions information. It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the employee terminal 145, The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the provisional processing consent information (or provisional provision application information) is provided to the employee terminal 145, the employee terminal 145 uses the provisional processing consent information ( Or after entering (or selecting) provisional provision information), transmitting the input (or selection) provisional processing consent information (or provisional provision information) to the enterprise server 100 through the network means; Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the enterprise server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information includes a virtual account having an online account corresponding to the online account application information as a real account under the name of the online account management company. Enter (or select) virtual account processing information including parent account information including at least one of the online account management companies and mother account information corresponding to a real account operated by the mother account management institution in order to open an account; It is preferable to include an interface to make.

When an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the employee terminal 145, the employee terminal 145 uses the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the enterprise server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the enterprise server 100 through the network means.

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

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the employee terminal 145, the employee terminal 145 inputs (or selects) the financial transaction application information through the interface, and then, Transfer the input (or selected) financial transaction application information to the enterprise server 100 through the network means, or further include the financial transaction application information in the online account application information, the corporate server through the network means Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the employee terminal 145 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the Internet banking subscription terms information, the wireless banking subscription terms information, or the TV banking subscription terms information, or the home banking subscription terms information, etc. And the interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

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

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the employee terminal 145, the employee terminal 145 may be configured to execute the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the corporate server 100 through the network means. .

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include inputting (or selecting) corporate employee information of an executive (or employee) in the online account management company. It is preferred to include an interface.

When the employee terminal 145 is provided with an interface for inputting (or selecting) corporate employee information on an executive (or employee) in the online account management company, the employee terminal 145 is connected to the company through the interface. After inputting (or selecting) employee information, the corporate employee information is transmitted to the corporate server 100 through the network means, or the corporate employee information is added to the online account application information. It includes and transmits to the enterprise server 100 through the network means.

Herein, the corporate employee information may include the customer information, or may include predetermined employee identification information (eg, employee number) assigned to the employee by the company. It is preferable that it further comprises.

Thereafter, the corporate server 100 applies the corporate employee information and online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application). Information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)), and verify the validity of the received corporate employee information (540).

According to an embodiment of the present invention, the corporate server 100 registers the online account by comparing the received corporate employee information with employee information of the company stored in a predetermined employee information D / B (not shown). It is desirable to authenticate whether the customer is an employee of the online account management company.

If the validity of the corporate employee information is not authenticated (545), the corporate server 100 transmits and outputs predetermined employee authentication error information to the employee terminal 145 through the network means (550).

On the other hand, if the validity of the corporate employee information is authenticated (545), the corporate server 100 is the received online account application information (and / or provisional processing consent information (or provisional application information), and / or online) Predetermined storage of account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. Stored in medium 140 (555).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 140 may include the corporate server 100 (or an online account operating company) and the information processing server 150 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the enterprise server 100 transmits the online account application information to the information processing server 150 through a predetermined communication means (560), and the information processing server 150 transmits the company through the communication means. The online account application information provided from the server 100 is received (565).

FIG. 6 is a diagram illustrating an information providing process for payment settlement processing between corporate employees according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the corporate server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the employee terminal 145, the user terminal 145 may request the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the enterprise server 100, and decrypt the online account application information by the enterprise server 100 to The process of providing the online account application information to the information processing server 150 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modify the online account application information from the employee terminal 145 to the information processing server 150 through the corporate server 100. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 6, only the online account application information is provided from the employee terminal 145 to the corporate server 100. However, the present invention may include those skilled in the art. In response to the user interface provided by the corporate server 100 to the employee terminal 145, in addition to the online account application information in the employee terminal 145, the provisional processing agreement information (or provisional application information) and / or online. It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is in the employee terminal 145, the new provision processing consent information (or new provision application information), and / or online account security information, and / or financial And application method, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, the enterprise server 100 in response to the security function provided in the communication means for connecting the corporate server 100 and the information processing server 150 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information is encrypted and transmitted, and the information processing server 150 displays the online account application information (and / or false transaction processing information). (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). B) and / or corporate employee information) may be inferred, but the present invention includes the inferred implementation method, whereby the present invention is not limited thereto.

Referring to FIG. 6, the employee terminal 145 illustrated in FIG. 1 is connected to the enterprise server 100 through a network means including at least one wired and / or wireless communication network (600), and the company At least one web-based service provided by the server 100 is used (605). At this time, the corporate server 100 provides the web-based service provided to the employee terminal 145 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the enterprise server 100 provides at least one web-based service to the employee terminal 145 as described above, the online account subscription user interface is used to subscribe to the financial product online from the employee terminal 145. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the employee terminal (145) (615), the corporate server 100 is a predetermined security function Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the online account application user interface to the terminal through the network means; (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) from the employee terminal 145 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

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

Thereafter, the employee terminal 145 inputs (or selects) predetermined online account application information through the online account application user interface (630), and the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the employee terminal 145 encrypts the corporate employee information and the online account application information through a security function provided in the online account application user interface. (And / or attach the electronic signature of the customer to the online account application information) (635), and encrypt the encrypted corporate employee information and the online account application information via the network means (100). (640).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the employee terminal 145, the employee terminal 145 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the enterprise server 100 through the network means, or the online account application information further includes the online account security information through the network means. The enterprise server 100 transmits.

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

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the employee terminal 145, and the customer is informed of the provision of the new provision terms and conditions information. It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the employee terminal 145, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing consent information (or provisional provision application information) is provided to the employee terminal 145, the employee terminal 145 uses the provisional processing consent information ( Or after entering (or selecting) provisional provision information), transmitting the input (or selection) provisional processing consent information (or provisional provision information) to the enterprise server 100 through the network means; Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the enterprise server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information includes a virtual account having an online account corresponding to the online account application information as a real account under the name of the online account management company. Enter (or select) virtual account processing information including parent account information including at least one of the online account management companies and mother account information corresponding to a real account operated by the mother account management institution in order to open an account; It is preferable to include an interface to make.

When an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the employee terminal 145, the employee terminal 145 uses the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the enterprise server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the enterprise server 100 through the network means.

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

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the employee terminal 145, the employee terminal 145 inputs (or selects) the financial transaction application information through the interface, and then, The company transmits the input (or selected) financial transaction request information to the enterprise server 100 through the network means, or further includes the financial transaction application information in the online account application information. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the employee terminal 145 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, Internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.), the non-face-to-face financial transactions that the customer agrees to the non-face-to-face financial transaction terms information Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

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

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the employee terminal 145, the employee terminal 145 may be configured to execute the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the corporate server 100 through the network means. .

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include inputting (or selecting) corporate employee information of an executive (or employee) in the online account management company. It is preferable to include an interface.

When the employee terminal 145 is provided with an interface for inputting (or selecting) corporate employee information on an executive (or employee) in the online account management company, the employee terminal 145 is connected to the company through the interface. After inputting (or selecting) employee information, the corporate employee information is transmitted to the corporate server 100 through the network means, or the corporate employee information is added to the online account application information. It includes and transmits to the enterprise server 100 through the network means.

Herein, the corporate employee information may include the customer information, or may include predetermined employee identification information (eg, employee number) assigned to the employee by the company. It is preferable that it further comprises.

The corporate server 100 that has received the encrypted online account application information through the network means may provide the corporate employee information and the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / Or decrypt the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) corresponding to the encryption method. The method decrypts (645) and confirms the validity of the decrypted corporate employee information (650).

According to an embodiment of the present invention, the corporate server 100 registers the online account by comparing the received corporate employee information with employee information of the company stored in a predetermined employee information D / B (not shown). It is desirable to authenticate whether the customer is an employee of the online account management company.

If the validity of the corporate employee information is not authenticated (655), the corporate server 100 transmits and outputs predetermined employee authentication error information to the employee terminal 145 through the network means (660).

On the other hand, if the validity of the corporate employee information is authenticated (655), the corporate server 100 is the received online account application information (and / or provisional processing consent information (or provisional application information), and / or online) Predetermined storage of account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. After storing in the medium 140, and transmits the online account application information to the information processing server 150 through a predetermined communication means (665), the information processing server 150 is the company through the communication means The online account application information provided from the server 100 is received (670).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 140 may include the corporate server 100 (or an online account operating company) and the information processing server 150 (or financial). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

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

In more detail, in FIG. 7, the information processing server 150 shown in FIG. 1 opens a predetermined online account based on the online account application information provided from the enterprise server 100, and sets the online account as the online account. The present invention relates to a process of processing a real account in the name of an operating company into a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention as shown in FIG. Various implementation methods for processing an online account as a virtual account based on the online account application information provided to the information processing server 150 as a real account under the name of the online account operating company may be inferred. It includes all the inferred method of implementation, whereby the present invention is not limited.

For example, in FIG. 7, only the online account application information is provided from the enterprise server 100 to the information processing server 150. However, the present invention includes those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transactions Although it is possible to infer an implementation method in which consent information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 150, the present invention may provide the information processing server 150 with the provisional processing agreement information ( Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or Face-to-face financial transaction request information) contains the exemplary method is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 150 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or 6, predetermined online account application information (and / or provisional processing consent information) from the enterprise server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or corporate employee information), the server may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transactions). Verify that the online account can be opened by reading application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. The 700.

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the corporate server 100 (710), the corporate server 100 In step 715, the account opening error information is transmitted to the employee terminal 145 through a predetermined network means (715), thereby ending the online account provision procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed into a virtual account in which the real account of the name of the online account management company is the parent account in connection with the financial system.

According to an exemplary embodiment of the present invention, the server adds the parent account number corresponding to the real account of the online account management company name to the provisional processing information added to the online account ledger as shown in FIG. It is preferable to treat the ledger corresponding to the online account opened by the establishment unit 160 as a virtual account having a real account in the name of the online account operating company as the parent account.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. The virtual account processing information including the mother account information is linked in a relational manner, whereby a ledger corresponding to the online account opened by the provisional opening unit 160 is used as a virtual account in the online account operating company name. It is preferable to process into account.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 400 where the online account ledger is registered as shown in FIG. It is preferable that the ledger corresponding to the online account opened by the provisional opening unit 160 is treated as a virtual account having a real account in the name of the online account operating company as a parent account.

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

In more detail, FIG. 8 illustrates an online account processed as a virtual account using a real account of the name of the online account operating company as a parent account through the process shown in FIG. 7 through the online account registration system shown in FIG. A method of performing a real name verification process to process a predetermined new financial account, and specifically, the real name verification expiration date is automatically extended so that at least one financial transaction through the online account is continuously provided without a real name verification. It is about.

Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 8 to identify the real name of the online account treated as a virtual account whose real account is the parent account of the name of the online account management company. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 150 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

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

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

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

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server requests the customer for the online account processed as a virtual account whose real account is the parent account of the name of the online account management company. Repeat the process to verify your real name.

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

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

According to the embodiment of the present invention, when the online account ledger information includes real account ledger information when a virtual account type online account having a real account in the name of the online account management company as the new financial account is processed as the new financial account. The server may be configured to process the online account as a new financial account whose real name is confirmed by erasing the pseudonym processing information and / or virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account having a real account in the name of the online account management company as the new financial account is included in the new financial account, the server may include the online account. A new financial account whose real name has been verified by erasing the false new transaction information and / or virtual account processing information added to the account ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is preferable to treat with.

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

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

In more detail, FIG. 9 shows an online account processed as a virtual account using a real account of the name of the online account operating company as a parent account through the process shown in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process to process a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount previously deposited in the online account is transferred to the original account (for example, the predetermined amount is transferred to the online account). The present invention relates to a method for retrieving a transferred financial account (or other online account) and dormant processing of the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to identify real names for online accounts processed with virtual accounts whose real accounts are the parent accounts of the name of the online account management company. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 150 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

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

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

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

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server requests a customer for the online account processed as a virtual account having a real account in the name of the online account management company. Repeat the process to verify your real name.

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

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is processed in the form of a virtual account in which a real account of the name of the online account operating company is the parent account in connection with the financial system. The online account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to the embodiment of the present invention, when the online account ledger information includes real account ledger information when a virtual account type online account having a real account in the name of the online account management company as the new financial account is processed as the new financial account. The server may be configured to process the online account as a new financial account whose real name is confirmed by erasing the pseudonym processing information and / or virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account having a real account in the name of the online account management company as the new financial account is included in the new financial account, the server may include the online account. A new financial account whose real name has been verified by erasing the false new transaction information and / or virtual account processing information added to the account ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is preferable to treat with.

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

10 is a diagram showing the configuration of an online account operating system for payroll using an online account according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates an online account management system for payroll using an online account registered as a parent account of the corporate financial account corresponding to the online account management company through the online account registration system shown in FIG. For those skilled in the art to which the present invention pertains, various embodiments of the online account operation system for payroll payment using the online account can be inferred by referring to and / or modifying the drawing 10. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the online account management system may display online account-based payroll information corresponding to an online account registered through the online account registration system shown in FIG. 1 and the online account. The employee terminal 1045 of the payroll employee who provides the payroll certification information registered to authenticate the payroll used, and the employee terminal 1045 and the employee terminal 1045 are connected through a predetermined network means and the employee terminal 1045 and the company Corporate server 1000 for processing payroll using the online account through the online account-based payroll payment information and the paycheck authentication information transmitted from the employee terminal 1045 while a predetermined communication channel for providing a dedicated service is connected. ) And an online account registered with the corporate financial account as a parent account (for example, And a financial system equipped with an online account ledger.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

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

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

Further, the financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one employee terminal 1045 (eg, a personal computer equipped with the wired Internet access and browsing function) and / or a laptop, connected to an 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 a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or provide the IC to at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal having a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or an IEEE 802.11x based wireless LAN network. Provide chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer requesting at least one financial transaction through a registered online account using the corporate financial account as a parent account includes at least one of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. One or more employee terminals 1045 access the corporate server 1000 and receive various application services provided by the corporate server 1000.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP), and a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network Preferably, the wired terminal is preferably provided with at least one browser program and / or messenger program and / or online account linked banking program for processing payroll using the online account through the wired communication network. .

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-based wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based wireless LAN communication The wired terminal comprises at least one or more browser programs and / or messenger programs and / or online accounts for processing payroll using an online account via the wireless communication network. It is preferable that a linked banking program or the like is provided.

According to an embodiment of the present invention, the corporate server 1000 may be provided in the intranet server or the enterprise, in which the employee terminal 1045 is connected through the wired communication network and / or the wireless communication network to process various tasks in the enterprise. Preferably, the bank comprises at least one private banking server. In this case, the enterprise server 1000 stores online account issuance information on the online account registration system shown in FIG. 1 for the online account operation. It is preferred to be associated with 1040.

According to an exemplary embodiment of the present invention, the corporate server 1000 may include an interface unit 1005 for connecting and managing a predetermined communication channel with the employee terminal 1045 through the network means.

When the employee terminal 1045 includes a wired terminal connected to a predetermined wired communication network according to an exemplary embodiment of the present invention, the interface unit 1005 may include a protocol stack defined in the wired network and / or a wireless network. On-line registered by connecting the employee terminal 1045 and a predetermined communication channel based on the corporate financial account using a communication protocol defined in a predetermined online banking program provided in the employee terminal 1045 It is desirable to provide a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using an account.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1045, the interface unit 1005 may be connected to the employee terminal 1045 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1045, the interface unit 1005 connects a communication channel with the employee terminal 1045 through a messenger protocol based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using an online account registered using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1045 is equipped with the online account linked banking program, the interface unit 1005 and the employee terminal 1045 through the online account linked banking program based on the TCP / IP protocol Provides a communication interface for connecting and transmitting communication channels and transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a banking protocol defined in the online account linked banking program. do.

According to another exemplary embodiment of the present invention, when the employee terminal 1045 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 uses the employee stack based on a protocol stack defined in the wireless communication network. At least an online account connected to a terminal 1045 and a predetermined communication channel, and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program included in the employee terminal 1045. It is desirable to provide a communication interface for transmitting and receiving information (or data) for payroll using one or more online accounts.

For example, when the employee terminal 1045 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1005 is based on the CDMA protocol. 1045 and a communication channel, and using a WAP / ME protocol defined in the browser program to transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1045, the interface unit 1005 connects a communication channel with the employee terminal 1045 through a messenger protocol based on at least one or more wireless communication protocols. And a communication interface for transmitting and receiving information (or data) for payroll using an online account registered using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1045 is equipped with the online account linked banking program, the interface unit 1005 is connected to the employee terminal 1045 through an online account linked banking program based on at least one wireless communication protocol. Communication interface for connecting and transmitting a communication channel and transmitting and receiving information (or data) for payroll using an online account registered as the parent financial account using the online account linked banking program defined in the dedicated banking program. To provide.

Referring to FIG. 10, in the enterprise server 1000, an employee terminal 1045 of a predetermined payroll employee is connected to the enterprise server 1000 through the interface unit 1005 and the corporate financial account is transferred to the parent account. When a payroll request using a registered online account is requested, a predetermined user to receive predetermined online account-based payroll payment information and payroll payment authentication information for payroll using the online account in connection with the interface unit 1005. An interface providing unit 1010 for generating an interface (or extracting from a predetermined web source D / B (not shown)) and providing the interface to the employee terminal 1045, and in conjunction with the interface unit 1005, the employee terminal ( 1045) to receive the online account-based payroll information and payroll authentication information input (or selected) through the user interface and transmitted. A receiving unit 1015, a payroll certification unit 1025 for authenticating payment of a predetermined salary to the online account of the company employee through the online account-based payroll payment information, and the payroll is authenticated, the online account Corporate financial account information (or parent account information) from which salary is withdrawn from the base payroll information, payment information to be paid to at least one or more employees in the enterprise, and online account information of at least one or more corporate employees to which the payment is deposited. An information generation unit 1030 for generating salary payment financial transaction information including at least one of; and the salary payment financial transaction information and the salary payment authentication information through a predetermined communication means; Relay transfer to the financial company server 1050 managing the employee's online account, When the salary payment result information is received through the information relay unit 1035 and the information relay unit 1035 that receives the salary payment result information corresponding to the salary payment financial transaction information from the finance server 1050, the interface. The information transmission unit which transmits the salary payment result information for each salary payment target employee and the salary payment statement information including the online account-based salary payment information to each salary payment target employee terminal 1045 in association with the department 1005. It characterized by comprising (1020).

According to an exemplary embodiment of the present invention, when the employee terminal 1045 of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the interface unit 1005 may be connected to the wired network and / or the wireless network. At least one online connection using a predetermined communication protocol defined in a predetermined online banking program included in the employee terminal 1045 and connecting a predetermined communication channel with the employee terminal 1045 based on a defined protocol stack. It is desirable to provide a communication interface for transmitting and receiving information (or data) for payroll using an account.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1045, the interface unit 1005 may be connected to the employee terminal 1045 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1045, the interface unit 1005 connects a communication channel with the employee terminal 1045 through a messenger protocol based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using an online account registered using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1045 is provided with a dedicated banking program provided by the corporate server 1000, the interface unit 1005 through the online account linked banking program based on the TCP / IP protocol Information (or data) for salary payment using an online account connected to the employee terminal 1045 and a communication account, and registered using the online bank linked banking program defined in the dedicated banking program as the parent account. It provides a communication interface for transmitting and receiving.

According to another exemplary embodiment of the present invention, when the employee terminal 1045 of the employee in charge of payroll includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 includes a protocol stack defined in the wireless communication network. Information for salary payment using at least one or more online accounts by connecting a predetermined communication channel with the employee terminal 1045 and using a communication protocol defined in a dedicated banking program included in the employee terminal 1045. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the employee terminal 1045 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1005 is based on the CDMA protocol. 1045 and a communication channel, and using a WAP / ME protocol defined in the browser program to transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1045, the interface unit 1005 connects a communication channel with the employee terminal 1045 through a messenger protocol based on at least one or more wireless communication protocols. The present invention provides a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1045 is equipped with the online account linked banking program, the interface unit 1005 is connected to the employee terminal 1045 through an online account linked banking program based on at least one wireless communication protocol. Communication interface for connecting and transmitting a communication channel and transmitting and receiving information (or data) for payroll using an online account registered as the parent financial account using the online account linked banking program defined in the dedicated banking program. To provide.

The interface providing unit 1010 is a predetermined communication channel is connected between the employee terminal 1045 and the corporate server 1000 of a predetermined payroll employee through the interface unit 1005, or the corporate financial account When a payroll payment using the registered online account is requested as a parent account, the employee terminal 1045 corresponds to a functional configuration (eg, a browser program, a messenger program, or an online account linked banking program). Generate a predetermined user interface for inputting (or selecting) predetermined online account-based payroll payment information and payroll authentication information for payroll using an online account and transmitting the payload authentication information to the enterprise server 1000 through the network means. And / or extract from a predetermined database (not shown), and interwork with the interface unit 1005 By providing the user interface generated (or extracted from a predetermined web source D / B (not shown)) to the employee terminal 1045 through the network means.

Thereafter, the employee terminal 1045 of the employee in charge of payroll inputs (or selects) predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account based on the user interface, The predetermined online account-based salary payment information and salary payment authentication information for salary payment using the input (or selected) online account are transmitted to the enterprise server 1000 through the network means.

According to an embodiment of the present invention, when the employee terminal 1045 of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 is provided in the employee terminal 1045. A predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a browser program and / or a messenger program and / or an online account linked banking program, and the interface unit 1005 is removed. It is preferable to provide the user interface 1045 generated through the user interface (or extracted from a predetermined web source D / B (not shown)).

According to another embodiment of the present invention, when the employee terminal 1045 of the employee in charge of payroll includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 is connected to the employee terminal 1045. Generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided by the provided browser program and / or messenger program and / or online account linked banking program, and the interface unit 1005 It is preferable to provide the user interface 1045 generated by the user (or extracted from a predetermined web source D / B (not shown)) through the employee terminal (1045).

According to an embodiment of the present invention, the corporate server 1000 inputs (or selects) predetermined online account-based payroll payment information for payroll using a predetermined online account from the employee terminal 1045 of the payroll employee in charge. ) The user interface provided to receive the user interface includes a user interface for inputting (or selecting) salary payment employee information, a user interface for inputting (or selecting) employee's online account information, and input of pay item information for each employee. Input (or select) a user interface, a user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and input of actual payment amount information Or at least one user interface or the like to select (or select). It is preferred.

According to an embodiment of the present invention, the corporate server 1000 receives (or selects) predetermined salary payment authentication information for salary payment using a predetermined online account from an employee terminal 1045 of the salary payment employee. The user interface provided to the user may include a user interface for inputting (or selecting) the salary payment employee information and the actual payment amount information from the corporate financial account (eg, the corporate financial account corresponding to the mother account of the online account). Effectiveness of financial transactions (e.g., confidentiality, authentication, integrity, and nonrepudiation of payroll payments) withdrawing the corresponding amount and depositing it into the online account corresponding to the payroll employee. User interface for entering (or selecting) financial transaction authentication information to authenticate An preferably comprises at least one.

The information receiving unit 1015 inputs predetermined online account-based payroll payment information and payroll authentication information for payroll using a predetermined online account through the user interface at the employee terminal 1045 of the payroll employee in charge ( Or select) and transmit the data through the network means to receive predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account in conjunction with the interface unit 1005. .

According to the implementation method of the present invention, the online account-based payroll information includes salary payment target employee information, the employee's online account information, each employee's pay item information, each pay item's pay amount information, and the employee It is preferable to include at least one of the total salary amount information and the actual amount of payment information.

Here, the salary payment target employee information includes at least one member ID information or employee identification information (eg, employee number) registered by the corporate employee in the corporate server 1000, or the name and resident registration number of the employee. It is preferable to make it.

The employee's online account information may include at least one account number (or virtual account number) corresponding to the online account registered by the corporate employee through the online account registration system shown in FIG. .

In addition, the salary item information for each employee, preferably comprises at least one or more of the basic salary items, bonus (or incentives), various insurance items, various tax items, etc. of the employee, It is preferable to match the specification items provided in the pay stubs of the company.

In addition, the salary amount information for each salary item is salary amount information corresponding to the salary item information, and the salary amount information for each salary item is the amount information to be paid to the employees by the company and the amount to be paid to various insurance companies. It is preferable to include at least one or more information and the amount of information to be paid to the tax office.

In addition, the total salary amount information of the employee is the sum of the salary amount information for each salary item corresponding to the salary item information, the total salary amount information is the total amount of money that the company should spend for the employee It is preferable to comprise.

In addition, the actual payment amount information is an amount to be paid to the employee of the salary items corresponding to the salary item information, the actual payment amount information preferably comprises the total amount paid by the employee from the company. .

According to an embodiment of the present invention, the salary payment authentication information corresponds to the actual payment amount information from the salary payment employee information and the corporate financial account (eg, the corporate financial account corresponding to the mother account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, and nonrepudiation of payroll payments) withdrawn from the money and deposited into the online account corresponding to the payroll employee. Etc.) preferably comprises at least one financial transaction authentication information for authenticating.

The financial transaction authentication information may include at least one password of the corporate financial account or a password corresponding to the payroll financial transaction.

In addition, the financial transaction for the payroll is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction authentication information shown in Figure 10, the financial transaction authentication information is the company (or in the process of opening the corporate financial account) OTP (One Tome Password) generator further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) and / or provided to the company (or payroll staff of the company) It is preferably made further comprising an OTP code generated through.

In addition, the financial transaction for the payroll is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 10, the financial transaction authentication information is the payroll employee terminal 1045 (or On the official certificate information provided on the company (or the IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1045, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

When the online account-based salary payment information and salary payment authentication information are received through the information receiving unit 1015, the salary payment authentication unit 1025 is assigned to an online account of the corporate employee through the online account-based payroll payment information. Characterized by performing an in-house certification process for paying the salary.

According to the implementation method of the present invention, authenticating payment of a predetermined salary to an online account of the company employee through the online account-based salary payment information, the salary payment authentication unit 1025 is the storage medium 1040 (Or employee information D / B (not shown)) to check whether the employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to comprise.

In addition, authenticating payment of a predetermined salary to an online account of the company employee through the online account-based salary payment information may include: the salary payment authentication unit 1025 in association with the storage medium 1040. Preferably, the employee's online account corresponding to the online account information included in the account-based payroll information includes checking whether the employee's online account is opened using the corporate financial account as a parent account. If not, the salary payment authentication unit 1025 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating payment of a predetermined salary to an online account of the company employee through the online account-based salary payment information, the salary payment authentication unit 1025 according to the in-company salary payment settlement process according to the online account It is desirable to include the base payroll information to the employee who owns the right to pay the payroll, and to obtain a corresponding payment.

When the salary payment authentication unit 1025 authenticates that the predetermined salary is paid to the online account of the corporate employee through the online account-based payroll payment information, the information generation unit 1030 is the online account-based payroll payment information. The corporate financial account information (or mother account information) corresponding to a parent account of an online account for an employee of at least one director included in (or withdrawing a predetermined salary to an online account for at least one employee), and the online account At least one or more payment amount information corresponding to the actual payment amount information included in the base salary payment information, and online account information of the employee included in the online account-based salary payment information (or at least one or more of the companies to which the payment amount is deposited) Payroll payments, including at least one employee's online account information) It is characterized by generating the fusion transaction information.

When the payroll financial transaction information including at least one of the corporate financial account information, the payment amount information, and the online account information is generated by the information generation unit 1030, the information relay unit 1035 may perform a predetermined communication means ( For example, relaying the salary payment financial transaction information and the salary payment authentication information to a financial company server 1050 which manages the corporate financial account and an online account of at least one corporate employee through a dedicated communication network or a secure communication network). It features.

The information relay unit 1035 may receive salary payment result information corresponding to the salary payment financial transaction information from the financial company server 1050 through the communication means, and the salary payment result information may be used. It is preferable to include information for certifying (or approving) that the payment amount information is withdrawn from the corporate mother account and deposited into the online account of the employee.

However, since the online account is opened in the form of a virtual account registered with the corporate financial account as a parent account through the online account registration system shown in FIG. 1, the payroll payment result information is not a result of actual money transfer. Preferably, the amount corresponding to the payment amount information among the amounts deposited in the corporate financial account is set to be withdrawn through the employee's online account.

When the salary payment result information is received from the financial institution server 1050 through the information relay unit 1035, the information transmission unit 1020 is linked with the interface unit 1005 to pay the salary for each employee to be paid. It is characterized in that the predetermined salary payment statement information including the payment result information and the online account-based payroll payment information to each of the salary payment target employee terminal (1045).

Referring to FIG. 10, the financial company server 1050 may provide the corporate financial account information (or the parent account information) and the payment amount information to be paid to at least one or more employees of the company from the corporate server 1000 through the communication means. Receiving salary payment financial transaction information and salary payment authentication information including at least one or more online account information of the at least one corporate employee to whom the payment amount is deposited; and based on the salary payment financial transaction information and salary payment authentication information When the payroll financial transaction is completed, the information transmission and reception unit 1055 for transmitting the payroll payment result information corresponding to the payroll payment financial transaction information to the enterprise server 1000 and the information transmission and reception in connection with a predetermined financial system Access to the online account based on the payroll financial transaction information received through the unit 1055 Authentication processing unit 1060 for authenticating the salary payment using the online account corresponding to the salary payment financial transaction information through the salary payment authentication information, and during the salary payment authentication using the online account, the corporate financial account as the parent account An online account management unit 1065 that processes payroll using at least one online account using a registered online account, and a predetermined online account history processed by the online account management unit 1065 as financial transaction details. And a ledger processing unit 1070 for processing and recording the ledger provided in the financial system.

The information transmitting and receiving unit 1055 is the corporate financial account information (or parent account information) from the corporate server 1000 through the communication means, payment amount information to be paid to at least one or more employees in the company, and the payment amount And receiving salary payment financial transaction information and salary payment authentication information including at least one or more online account information of the at least one corporate employee who is deposited, wherein the received salary payment financial transaction information and salary payment authentication information are received. It provides to the authentication processing unit 1060, and also provides the received payroll financial transaction information to the online account management unit 1065.

If the validity of the salary payment authentication information is authenticated by the authentication processing unit 1060 and the payroll financial transaction is processed by the online account manager 1065, the information transmitting and receiving unit 1055 is the salary. The payroll payment result information corresponding to the payment financial transaction information is generated (or extracted) and transmitted to the corporate server 1000 through the communication means.

When the salary payment financial transaction information and the salary payment authentication information are received from the corporate server 1000 through the information transmitting and receiving unit 1055, the authentication processing unit 1060 is connected to a predetermined financial system and the information transmitting and receiving unit ( Through the payroll financial transaction information received through 1055) is characterized in that the access to the online account registered on the financial system with the corporate financial account and the corporate financial account as a parent account.

When accessing an online account registered with the corporate financial account as a parent account on the financial system through the payroll financial transaction information, the authentication processing unit 1060 may include the online account information included in the payroll financial transaction information and the Comparing and authenticating online account ledger information corresponding to a registered online account using a corporate financial account as a parent account, the salary payment using the online account for the online account is authenticated.

In addition, when accessing the corporate financial account corresponding to the parent account of the online account on the financial system through the payroll financial transaction information, the authentication processing unit 1060 receives the received payroll authentication information and the corporate financial account Comparing and authenticating the payroll certification information provided in the account ledger corresponding to the, characterized in that for authenticating the payroll using the online account for the online account.

When the payroll authentication using the online account for the online account registered by the authentication processing unit 1060 with the corporate financial account as the parent account, the online account manager 1065 is the payroll financial transaction in the corporate financial account Withdraw the payment amount contained in the information, characterized in that for processing the salary payment using the online account depositing to the registered online account using the corporate financial account as a parent account.

When the payroll using the online account corresponding to the online account registered using the corporate financial account as the parent account is processed by the online account manager 1065, the ledger processing unit 1070 may apply to the payroll using the online account. A corresponding online account history is generated, wherein the online account history is matched with a financial transaction history that can be stored in a transaction defined in the ledger on the financial system.

Thereafter, the ledger processing unit 1070 is a transaction history corresponding to the online account ledger provided on the financial system to the online account usage history that matches the financial transaction details that can be stored in the transaction history defined in the ledger on the financial system. It is characterized by storing in the information.

11 is a diagram illustrating an online account-based payroll request process according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a salary payment using the online account, in which a salary payment employee terminal 1045 and an enterprise server 1000 interoperate with each other in the online account management system for paying an online account based on FIG. 10. Regarding the salary payment request process for, in detail, when the salary payment staff terminal 1045 provides the online account-based salary payment information and salary payment authentication information to the corporate server 1000, the corporate server 1000 ) Is certified to pay a predetermined salary to the online account of the corporate employee through the online account-based payroll payment information, and according to the authentication result corporate financial account information (or parent account information) and at least one employee in the company Payment amount information to be paid to the user, and at least one or more devices in which the payment amount is deposited; It is a diagram illustrating a process of providing payroll financial transaction information including at least one or more online account information of employees of the company and the payroll authentication information to a predetermined financial company server 1050.

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 online account-based payroll request process, but the present invention infers the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the employee terminal 1045 in charge of payroll on the online account management system shown in FIG. 10 is referred to as a “terminal” for convenience.

Referring to FIG. 11, the terminal accesses the corporate server 1000 through a predetermined network means, connects a communication channel for payroll using the online account, and the corporate server 1000 through the communication channel. Request an online account-based payroll service for the corporate employee (eg, select an online account-based payroll menu) (1100).

According to an embodiment of the present invention, if the terminal of the payroll employee in charge comprises a wired terminal connected to a predetermined wired communication network, the enterprise server 1000 is a protocol stack defined in the wired network and / or wireless network Information (or data) for connecting to a terminal and a predetermined communication channel based on the salary payment using at least one online account using a predetermined communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the enterprise server 1000 connects a communication channel with the terminal based on the TCP / IP protocol, and the browser It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compliant web pages) and / or information using the HTPP protocol defined in the program.

Alternatively, when a predetermined messenger program is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal through a messenger protocol based on the TCP / IP protocol, and a messenger defined in the messenger program. It provides a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a protocol.

Alternatively, when the terminal is provided with a dedicated banking program provided by the corporate server 1000, the corporate server 1000 communicates with the terminal through an online account linked banking program based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using an online account linked banking program defined in the dedicated banking program. .

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1000 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the terminal, and providing a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using a communication protocol defined in the dedicated banking program provided in the terminal It is preferable.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal through a messenger protocol based on at least one or more wireless communication protocols, and a messenger defined in the messenger program. It provides a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a protocol.

Alternatively, when the terminal is equipped with the online account interlocking banking program, the enterprise server 1000 connects a communication channel with the terminal through an online account interlocking banking program based on at least one wireless communication protocol, Provides a communication interface for transmitting and receiving information (or data) for payroll using the online account registered with the corporate financial account as a parent account using the online account linked banking program defined in the banking program.

Subsequently, the corporate server 1000 generates a predetermined user interface for receiving predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account (or a predetermined web source D / B). (Not shown) to be transmitted to the terminal for output (1105).

According to an embodiment of the present invention, when the terminal of the payroll employee in charge includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1000 may include a browser program and / or a messenger program provided in the terminal. And / or generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided by an online account linked banking program, and generate the generated (or predetermined web source through the interface unit 1005). It is preferable to provide the user interface extracted from the D / B (not shown) to the terminal.

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1000 may include a browser program and / or a messenger program provided in the terminal. And / or generate a predetermined user interface that can be provided by an online account linked banking program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web) through the interface unit 1005. It is preferable to provide a user interface extracted from a source D / B (not shown) to the terminal.

According to an embodiment of the present invention, the enterprise server 1000 provides to receive (or select) predetermined online account-based payroll payment information for payroll using a predetermined online account from a terminal of the payroll employee in charge. The user interface includes a user interface for inputting (or selecting) salary payment target employee information, a user interface for inputting (or selecting) employee online account information, and input (or selection) of pay item information for each employee. A user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and inputting (or selecting) actual payment amount information It is preferable to include at least one or more such as a user interface to All.

According to an embodiment of the present invention, the corporate server 1000 provides for receiving (or selecting) predetermined salary payment authentication information for salary payment using a predetermined online account from a terminal of the salary payment employee. The user interface may include a user interface for inputting (or selecting) the salary payment employee information and an amount corresponding to the actual payment amount information from the corporate financial account (eg, a corporate financial account corresponding to the parent account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of paying transactions and depositing them into the online account corresponding to the payable employee. User interface for inputting (or selecting) financial transaction authentication information for It is preferable to include one or more.

Thereafter, the terminal inputs (or selects) predetermined online account-based payroll payment information and payroll authentication information through the user interface (1110), if the online account-based paycheck information and payroll authentication information are input ( Or 1), the terminal transmits the online account-based payroll payment information and payroll authentication information to the enterprise server 1000 through the communication channel (1120).

According to the implementation method of the present invention, the online account-based payroll information includes salary payment target employee information, the employee's online account information, each employee's pay item information, each pay item's pay amount information, and the employee It is preferable to include at least one of the total salary amount information and the actual amount of payment information.

Here, the salary payment target employee information includes at least one member ID information or employee identification information (eg, employee number) registered by the corporate employee in the corporate server 1000, or the name and resident registration number of the employee. It is preferable to make it.

The employee's online account information may include at least one account number (or virtual account number) corresponding to the online account registered by the corporate employee through the online account registration system shown in FIG. .

In addition, the salary item information for each employee, preferably comprises at least one or more of the basic salary items, bonus (or incentives), various insurance items, various tax items, etc. of the employee, It is preferable to match the specification items provided in the pay stubs of the company.

In addition, the salary amount information for each salary item is salary amount information corresponding to the salary item information, and the salary amount information for each salary item is the amount information to be paid to the employees by the company and the amount to be paid to various insurance companies It is preferable to include at least one or more information and the amount of information to be paid to the tax office.

In addition, the total salary amount information of the employee is the sum of the salary amount information for each salary item corresponding to the salary item information, the total salary amount information is the total amount of money that the company should spend for the employee It is preferable to comprise.

In addition, the actual payment amount information is an amount to be paid to the employee of the salary items corresponding to the salary item information, the actual payment amount information preferably comprises the total amount paid by the employee from the company. .

According to an embodiment of the present invention, the salary payment authentication information corresponds to the actual payment amount information from the salary payment employee information and the corporate financial account (eg, the corporate financial account corresponding to the mother account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of withdrawing money and depositing it into an online account corresponding to the payee employee. At least one financial transaction authentication information for authenticating) is preferably included.

The financial transaction authentication information may include at least one password of the corporate financial account or a password corresponding to the payroll financial transaction.

In addition, the financial transaction for the payroll is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction authentication information shown in Figure 11, the financial transaction authentication information is the company (or in the process of opening the corporate financial account) OTP (One Tome Password) generator further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) and / or provided to the company (or payroll staff of the company) It is preferably made further comprising an OTP code generated through.

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 11, the financial transaction authentication information is the salary payment staff terminal 1045 (or On the official certificate information provided on the company (or the IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1045, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

Thereafter, the corporate server 1000 reads the received online account-based payroll payment information and checks the payroll validity of the company employee (1125).

According to the implementation method of the present invention, authenticating payment of a predetermined salary to the online account of the employee of the company through the online account-based payroll payment information, the enterprise server 1000, the storage medium (1040) (or In connection with employee information D / B (not shown), including checking whether an employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to make.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1000 is linked with the storage medium 1040 the online account-based salary Preferably, the employee's online account corresponding to the online account information included in the payment information includes checking whether the corporate financial account is opened with the parent account, and if the employee's online account is not opened, The corporate server 1000 processes to open an online account of the employee through the online account registration system shown in FIG.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1000 in accordance with the payroll payment procedure in the company based on the online account-based salary It is preferable that the payment information is provided to the employee who owns the right to pay the salary, and to obtain a corresponding payment.

If the salary payment validity for the corporate employee is not authenticated (1130), the enterprise server 1000 generates a predetermined online account-based salary payment error information and transmits it to the terminal (1135). The process of providing the valid online account-based salary payment information and salary payment authentication information to the enterprise server 1000 is repeated.

On the other hand, if the salary payment validity for the corporate employee is authenticated (1130), the corporate server 1000 corresponds to (or at least at least) the parent account of the online account for the employee of at least one director included in the online account-based salary payment information. At least one payment amount information corresponding to the corporate financial account information (or the mother account information) that pays a predetermined salary to an online account for one or more employees, and the actual payment amount information included in the online account-based payroll information; And payroll financial transaction information including at least one employee's online account information (or at least one employee's online account information in which the payment amount is deposited) included in the online account-based payroll payment information. 1140, the payroll financial transaction generated through a predetermined communication means It sends the authentication information to the security and the payroll ledger and the bank server connection available (1050), corresponding to the company financial accounts and online accounts, corporate employees (1145).

12 is a diagram illustrating an online account-based payroll request process according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a salary payment using the online account in which a salary payment employee terminal 1045 and an enterprise server 1000 interoperate with each other in the online account operation system for paying an online account based on FIG. 10. Regarding the payroll request process for the service, in detail, when the payroll employee terminal 1045 provides the payroll information based on the online account to the company server 1000, the pay server the online account from the company server 1000. Based on the payroll information, it authenticates the payment of a predetermined salary to the online employee's online account, and according to the certification result, the company's financial account information (or mother account information) and the amount to be paid to at least one or more employees of the company. Online information of at least one corporate employee with information and the payment received After generating payroll financial transaction information including at least one left information, the payroll financial transaction information and the predetermined payroll authentication information provided from the employee terminal 1045 to a predetermined financial company server (1050). It is a figure which shows the process to provide.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer various implementation methods for the online account-based payroll request process, but the present invention infers the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the employee terminal 1045 of the payroll employee in charge of the on-line account management system shown in FIG. 10 is referred to as a “terminal” for convenience.

Referring to FIG. 12, the terminal accesses the corporate server 1000 through a predetermined network means, connects a communication channel for payroll using the online account, and the corporate server 1000 through the communication channel. Request an online account-based payroll service for the corporate employee (eg, select an online account-based payroll menu) (1200).

According to an embodiment of the present invention, if the terminal of the payroll employee in charge comprises a wired terminal connected to a predetermined wired communication network, the enterprise server 1000 is a protocol stack defined in the wired network and / or wireless network Information (or data) for connecting to a terminal and a predetermined communication channel based on the salary payment using at least one online account using a predetermined communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the enterprise server 1000 connects a communication channel with the terminal based on the TCP / IP protocol, and the browser It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compliant web pages) and / or information using the HTPP protocol defined in the program.

Alternatively, when a predetermined messenger program is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal through a messenger protocol based on the TCP / IP protocol, and a messenger defined in the messenger program. It provides a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a protocol.

Alternatively, when the terminal is provided with a dedicated banking program provided by the corporate server 1000, the corporate server 1000 communicates with the terminal through an online account linked banking program based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using an online account linked banking program defined in the dedicated banking program. .

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1000 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the terminal, and providing a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using a communication protocol defined in the dedicated banking program provided in the terminal It is preferable.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal through a messenger protocol based on at least one or more wireless communication protocols, and a messenger defined in the messenger program. It provides a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a protocol.

Alternatively, when the terminal is equipped with the online account interlocking banking program, the enterprise server 1000 connects a communication channel with the terminal through an online account interlocking banking program based on at least one wireless communication protocol, Provides a communication interface for transmitting and receiving information (or data) for payroll using the online account registered with the corporate financial account as a parent account using the online account linked banking program defined in the banking program.

Thereafter, the corporate server 1000 generates a predetermined user interface for receiving predetermined online account-based payroll payment information for payroll using the online account (or from a predetermined web source D / B (not shown)). Extract it, transmit it to the terminal, and output it (1205).

According to an embodiment of the present invention, when the terminal of the payroll employee in charge includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1000 may include a browser program and / or a messenger program provided in the terminal. And / or generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided by an online account linked banking program, and generate the generated (or predetermined web source through the interface unit 1005). It is preferable to provide the user interface extracted from the D / B (not shown) to the terminal.

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1000 may include a browser program and / or a messenger program provided in the terminal. And / or generate a predetermined user interface that can be provided by an online account linked banking program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web) through the interface unit 1005. It is preferable to provide a user interface extracted from a source D / B (not shown) to the terminal.

According to an embodiment of the present invention, the enterprise server 1000 provides to receive (or select) predetermined online account-based payroll payment information for payroll using a predetermined online account from a terminal of the payroll employee in charge. The user interface includes a user interface for inputting (or selecting) salary payment target employee information, a user interface for inputting (or selecting) employee online account information, and input (or selection) of pay item information for each employee. A user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and inputting (or selecting) actual payment amount information It is preferable to include at least one or more user interface, such as The.

Thereafter, the terminal inputs (or selects) predetermined online account-based payroll information through the user interface (1210). If the online account-based payroll information is input (or selected) (1215), the terminal In step 1220, the online account-based payroll payment information is transmitted to the enterprise server 1000 through the communication channel.

According to the implementation method of the present invention, the online account-based payroll information includes salary payment target employee information, the employee's online account information, each employee's pay item information, each pay item's pay amount information, and the employee It is preferable to include at least one of the total salary amount information and the actual amount of payment information.

Here, the salary payment target employee information, at least one or more member ID information, or employee identification information (for example, employee number) registered in the corporate server 1000, the employee or the employee's name and resident registration number, etc. It is preferable to comprise.

The employee's online account information may include at least one account number (or virtual account number) corresponding to the online account registered by the corporate employee through the online account registration system shown in FIG. .

In addition, the salary item information for each employee, preferably comprises at least one or more of the basic salary items, bonus (or incentives), various insurance items, various tax items, etc. of the employee, It is preferable to match the specification items provided in the pay stubs of the company.

In addition, the salary amount information for each salary item is salary amount information corresponding to the salary item information, and the salary amount information for each salary item is the amount information to be paid to the employees by the company and the amount to be paid to various insurance companies. It is preferable to include at least one or more information and the amount of information to be paid to the tax office.

In addition, the total salary amount information of the employee is the sum of the salary amount information for each salary item corresponding to the salary item information, the total salary amount information is the total amount of money that the company should spend for the employee It is preferable to comprise.

In addition, the actual payment amount information is an amount to be paid to the employee of the salary items corresponding to the salary item information, the actual payment amount information preferably comprises the total amount paid by the employee from the company. .

Thereafter, the corporate server 1000 reads the received online account-based payroll payment information and verifies the payroll validity of the company employee (1225).

According to the implementation method of the present invention, authenticating payment of a predetermined salary to the online account of the employee of the company through the online account-based payroll payment information, the enterprise server 1000, the storage medium (1040) (or In connection with employee information D / B (not shown), including checking whether an employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to make.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1000 is linked with the storage medium 1040 the online account-based salary Preferably, the employee's online account corresponding to the online account information included in the payment information includes checking whether the corporate financial account is opened with the parent account, and if the employee's online account is not opened, The corporate server 1000 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1000 in accordance with the payroll payment procedure in the company based on the online account-based salary It is preferable that the payment information is provided to the employee who owns the right to pay the salary, and to obtain a corresponding payment.

If the salary payment validity for the corporate employee is not authenticated (1230), the enterprise server 1000 generates a predetermined online account-based salary payment error information and transmits it to the terminal (1235), after which the terminal is the The process of providing the valid online account-based payroll information to the enterprise server 1000 is repeated.

On the other hand, if the salary payment validity for the corporate employee is authenticated (1230), the corporate server 1000 corresponds to (or at least at least the parent account of the online account for the employee of at least one director included in the online account-based payroll information) At least one payment amount corresponding to the corporate financial account information (or the parent account information) that pays a predetermined salary to an online account for one or more employees, and the actual payment amount information included in the online account-based payroll information; Generate payroll financial transaction information including at least one information and at least one online account information of an employee included in the online account-based payroll information (or at least one online account information of the at least one corporate employee to whom the payment amount is deposited); (1240).

Thereafter, the enterprise server 1000 generates a predetermined user interface for receiving predetermined salary payment authentication information for authenticating the salary payment using the online account (or from a predetermined web source D / B (not shown)). Extraction) and transmits it to the terminal for output (1245).

According to an embodiment of the present invention, a user providing the corporate server 1000 to receive (or select) predetermined salary payment authentication information for salary payment using a predetermined online account from a terminal of the salary payment employee. The interface includes a user interface for inputting (or selecting) the salary payment employee information, and an amount corresponding to the actual payment amount information from the corporate financial account (for example, a corporate financial account corresponding to the parent account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of withdrawal and deposit into the online account corresponding to the payable employee. A user interface for inputting (or selecting) financial transaction authentication information for authentication. It is preferable to include one or more.

Thereafter, the terminal inputs (or selects) predetermined salary payment authentication information through the user interface (1250). If the salary payment authentication information is input (or selects) (1255), the terminal transmits the communication channel. The salary payment authentication information is transmitted to the corporate server 1000 through 1260.

According to an embodiment of the present invention, the salary payment authentication information corresponds to the actual payment amount information from the salary payment employee information and the corporate financial account (eg, the corporate financial account corresponding to the mother account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of withdrawing money and depositing it into an online account corresponding to the payee employee. At least one financial transaction authentication information for authenticating) is preferably included.

The financial transaction authentication information may include at least one password of the corporate financial account or a password corresponding to the payroll financial transaction.

In addition, the financial transaction for salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction authentication information shown in FIG. 12, the financial transaction authentication information is the company (or OTP (One Tome Password) generator further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) and / or provided to the company (or payroll staff of the company) It is preferably made further comprising an OTP code generated through.

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 12, the financial transaction authentication information is the salary payment staff terminal 1045 (or On the official certificate information provided on the company (or the IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1045, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

Thereafter, the corporate server 1000 connects the generated payroll financial transaction information and the payroll authentication information with a ledger corresponding to the corporate financial account and the corporate employee online account through a predetermined communication means. (1265).

13 is a diagram illustrating an online account-based payroll processing process according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a process for requesting an online account-based payroll shown in FIGS. 11 and / or 12 in an enterprise server 1000 on an online account operating system for paying an online account based on FIG. 10. When the salary payment financial transaction information and salary payment authentication information are transmitted to the financial company server 1050 through the salary payment authentication information, the validity of the online account-based salary payment is authenticated through the salary payment authentication information, and the salary payment financial transaction according to the authentication result. The process of processing the financial transaction for the online account-based payroll through the information, if the person of ordinary skill in the technical field to which the present invention belongs, reference to and / or modified this figure 13 based on the online account Various implementation methods for the payroll processing process may be inferred, but the present invention is inferred from the above. Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 13.

Referring to FIG. 13, an online account-based payroll request process shown in FIG. 11 and / or FIG. 12 is executed from an enterprise server 1000 on an online account management system for paying an online account based on FIG. A salary including at least one corporate financial account information (or parent account information), payment amount information to be paid to at least one or more employees in the company, and online account information of at least one or more employees of the company to which the payment amount is deposited When payment financial transaction information and salary payment authentication information are received, the financial institution server 1050 checks the validity of the online account based payroll financial transaction through the salary payment financial transaction information and salary payment authentication information (1300). .

According to an embodiment of the present invention, the financial company server 1050 registers the corporate financial account and the corporate financial account as a parent account on the financial system through the received payroll financial transaction information in connection with the financial system. Accessing the online account, and comparing and authenticating the online account information included in the payroll financial transaction information with the online account ledger information corresponding to the registered online account using the corporate financial account as a parent account, It is desirable to certify payroll using an online account.

In addition, when the corporate financial account corresponding to the mother account of the online account is accessed on the financial system through the payroll financial transaction information, the financial company server 1050 may receive the received salary payment authentication information and the corporate financial account. By comparing and authenticating the salary payment authentication information provided in the account ledger corresponding to, it is preferable to authenticate the salary payment using the online account for the online account.

If the validity of the online account-based payroll financial transaction is not authenticated (1305), the financial institution server 1050 generates predetermined payroll error information and transmits it to the corporate server 1000 (1310). Stop online account-based payroll financial transactions.

On the other hand, if the validity of the online account-based payroll financial transaction is not authenticated (1305), the financial institution server 1050 processes the online account-based financial transaction through the payroll financial transaction information (1315).

According to the implementation method of the present invention, the financial company server 1050 withdraws the payment amount included in the payroll financial transaction information from the company financial account based on the payroll financial transaction information to the corporate financial account as a parent account; It is preferable to process payroll using an online account which deposits to a registered online account.

If the online account-based financial transaction processing drawing (1320), the financial company server 1050 generates a predetermined salary payment result information and transmits to the corporate server (1000) (1325).

Here, the salary payment result information is a form of a virtual account registered with the corporate financial account as the parent account through the online account registration system shown in Figure 1, so that the company rather than the actual money transfer result Preferably, the amount corresponding to the payment amount information among the amounts deposited in the financial account is set to be withdrawn through the employee's online account.

Thereafter, the enterprise server 1000 transmits the salary payment result information for each salary payment target employee and predetermined salary payment statement information including the online account-based salary payment information to each salary payment target employee terminal 1045. (1330).

14 is a diagram showing the configuration of an online account operating system for the processing of the payment settlement split between employees using an online account according to the embodiment of the present invention.

In more detail, FIG. 14 illustrates a payment settlement process between employees using an online account registered with the corporate financial account corresponding to the online account management company through the online account registration system shown in FIG. 1 (hereinafter, The present invention relates to the construction of an online account management system for Dutch Pay (which is referred to as Dutch Pay, which is not a standard term, but used for convenience of description). Although various implementation methods for the construction of an online account management system for Dutch Pay among employees using the online account may be inferred by referring and / or modifying the present invention, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown by.

Referring to FIG. 14 according to an embodiment of the present invention, the online account management system may provide online account-based DutchPay request information corresponding to an online account registered through the online account registration system shown in FIG. At least one employee terminal 1460 that provides online account-based DutchPay approval information corresponding to the online account-based DutchPay request information, and the employee terminal 1460 are connected to the employee terminal 1460 through a predetermined network means. 1460) and an employee using the online account through the online account-based Dutch Pay request information and the online account-based Dutch Pay approval information transmitted from the employee terminal 1460 while a predetermined communication channel for providing a company-only service is connected. Corporate server 1400 for processing the Dutch pay and the corporate gold The online account is registered to the account to the parent account opened (e. G., Having the online account ledger), characterized in that obtained by having a financial system.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

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

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

Further, the financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network connected to a TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, and / or IEEE 802.11x-based wireless LAN And / or at least one employee terminal 1460 (e.g., a personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x-based portable Internet, etc., the wireless A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a LAN / portable internet connection and a laptop and / or mobile terminal equipped with a browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or provide the IC to at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal having a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or an IEEE 802.11x based wireless LAN network. Provide chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer requesting at least one financial transaction through a registered online account using the corporate financial account as a parent account includes at least one of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. One or more employee terminals 1460 access the corporate server 1400 and receive various application services provided by the corporate server 1400.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP), and a desktop computer and / or connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP-based communication network or a kiosk connected to the TCP / IP-based communication network Preferably, the wired terminal is provided with at least one browser program and / or messenger program and / or online account linked banking program for processing Dutch Pay financial transactions between employees through the wired communication network. .

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based wireless LAN communication The wired terminal comprises at least one or more browser programs and / or messenger programs and / or online accounts for processing Dutch Pay financial transactions between employees through the wireless communication network. It is preferable that a linked banking program or the like is provided.

According to the method of the present invention, the corporate server 1400 is provided in the intranet server or the company, the employee terminal 1460 is connected to the wired communication network and / or wireless communication network to process various tasks in the enterprise. Preferably, the bank comprises at least one private banking server. In this case, the enterprise server 1400 stores online account issuance information on the online account registration system shown in FIG. 1 for the online account operation. It is preferred to be associated with (1455).

According to an embodiment of the present invention, the corporate server 1400 is characterized by comprising an interface unit 1405 for connecting and managing a predetermined communication channel with the employee terminal 1460 through the network means.

According to an embodiment of the present invention, when the employee terminal 1460 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1405 may implement a protocol stack defined in the wired network and / or a wireless network. On-line registered by connecting the employee terminal 1460 and a predetermined communication channel based on the corporate financial account using the communication protocol defined in the predetermined online banking program provided in the employee terminal 1460 It is desirable to provide a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between at least one employee using an account.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1460, the interface unit 1405 may be connected to the employee terminal 1460 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1460, the interface unit 1405 connects a communication channel with the employee terminal 1460 through a messenger protocol based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered as a parent account using the messenger protocol defined in the messenger program.

Alternatively, if the employee terminal 1460 is equipped with the online account linked banking program, the interface unit 1405 communicates with the employee terminal 1460 through a dedicated banking protocol based on the TCP / IP protocol. Communication interface for transmitting and receiving information (or data) for DutchPay financial transactions between employees using an online account registered as a parent account using a banking protocol defined in the online account linked banking program. To provide.

According to another exemplary embodiment of the present invention, when the employee terminal 1460 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may be configured based on the protocol stack defined in the wireless communication network. At least an online account connected to a terminal 1460 by a predetermined communication channel and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program included in the employee terminal 1460. It is desirable to provide a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between one or more employees.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 1460, the interface unit 1405 may use the employee terminal based on the CDMA protocol. 1460 and a communication channel, and a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information transmission and reception using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1460, the interface unit 1405 connects a communication channel with the employee terminal 1460 through a messenger protocol based on at least one wireless communication protocol. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered as a parent account using the messenger protocol defined in the messenger program.

Alternatively, when the online terminal linked banking program is provided in the employee terminal 1460, the interface unit 1405 communicates with the employee terminal 1460 through a dedicated banking protocol based on at least one wireless communication protocol. Communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered using the corporate banking account as a parent account using the dedicated banking protocol defined in the dedicated banking program. To provide.

Referring to FIG. 14, the corporate server 1400 has an online account in which a predetermined employee terminal 1460 is connected to the corporate server 1400 through the interface unit 1405 and registered using the corporate financial account as a parent account. When requesting DutchPay financial transaction between employees using the online unit based on the DutchPay-based DutchPay request information for DutchPay between employees using an online account to the DutchPay requester employee terminal 1460 in connection with the interface unit 1405. Providing a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) for receiving or providing DutchPay between employees using the online account to the DutchPay employee terminal 1460 Create a predetermined user interface for receiving predetermined online account-based Dutch Pay authorization information (or a predetermined web source D / B (city student) The online interface inputted (or selected) by the interface providing unit 1410 and the Dutch pay requester employee terminal 1460 via the user interface in association with the interface unit 1405. An information receiving unit 1415 receiving the account-based DutchPay request information or the online account-based DutchPay approval information transmitted from the DutchPay subject employee terminal 1460 through input (or selection) through the user interface. And, the employee authentication unit (1425) for authenticating the validity of the Dutch pay between the company employee through the online account-based Dutch pay request information (or online account-based Dutch pay approval information), and the Dutch pay target employee terminal 1460 Read the online account-based Dutch Pay authorization information received from At least one Dutch pay subject from the Dutch pay confirmation unit 1430 for confirming whether or not a fusion transaction, and from the online account-based Dutch pay request information (or online account-based Dutch pay approval information) at the time of confirming the Dutch pay financial transaction immediately At least the Dutch payee online account information of the corresponding employee, the Dutch pay requester online account information of the employee corresponding to the Dutch pay requester, and the Dutch pay amount information to be transferred from each Dutch payee online account to the Dutch pay requester online account. The information generating unit 1445 for generating Dutch pay financial transaction information including one or more, and the Dutch pay subject financial transaction authentication information included in the Dutch pay financial transaction information and the online account-based Dutch pay approval information, the predetermined communication. At least one of the corporate financial accounts by means An information relay unit 1450 which relays and transmits to a financial company server 1465 managing an online account of a corporate employee, and receives Dutch pay result information corresponding to the Dutch pay financial transaction information from the financial company server 1465; When the Dutch pay result information is received through the information relay unit 1450, the employee including the Dutch pay target result information for each Dutch pay target employee and the online account-based Dutch pay request information in connection with the interface unit 1405. Characterized in that it comprises an information transmitting unit 1420 for transmitting the inter-line Dutch pay results information to each Dutch pay target employee terminal 1460.

In addition, when the Dutch pay confirmation unit 1430 does not confirm the Dutch pay financial transaction immediately, the enterprise server 1400 associates the Dutch pay target online account information with the online account-based Dutch pay approval information, thereby providing a predetermined Dutch value. Whether a predetermined salary is paid to the online account of the employee of the Dutch pay subject through the information storage unit 1435 stored in the pay information D / B 1490 and the online account management system for payroll shown in FIG. Characterized in that it further comprises a salary payment check unit 1440 to confirm, the information generation unit 1445 when the salary payment is confirmed, the Dutch pay subject of the employee corresponding to the Dutch pay subject confirmed the salary payment Employees corresponding to the online account information and the Dutch pay requester. And create a page in the Dutch financial transaction information, including at least one of the Dutch pay amount information to be transferred to the Dutch page requestor online account,

According to an embodiment of the present invention, when the employee terminal 1460 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1405 may implement a protocol stack defined in the wired network and / or a wireless network. Based on the connection between the employee terminal 1460 and a predetermined communication channel, using a predetermined communication protocol defined in a predetermined online banking program provided in the employee terminal 1460 between Dutch pay financial transactions between at least one employee It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1460, the interface unit 1405 may be connected to the employee terminal 1460 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1460, the interface unit 1405 connects a communication channel with the employee terminal 1460 through a messenger protocol based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered as a parent account using the messenger protocol defined in the messenger program.

Or, if the employee terminal 1460 is provided with a dedicated banking program provided by the corporate server 1400, the interface unit 1405 is the employee terminal through a dedicated banking protocol based on the TCP / IP protocol (1460) information (or data) for DutchPay financial transactions between employees using an online account that is connected to a communication channel and is registered with the corporate financial account as a parent account using a dedicated banking protocol defined in the dedicated banking program. Provides a communication interface for transmission and reception.

According to another exemplary embodiment of the present invention, when the employee terminal 1460 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may be configured based on the protocol stack defined in the wireless communication network. Connecting a communication channel with a terminal 1460 and transmitting and receiving information (or data) for DutchPay financial transactions between at least one employee using a communication protocol defined in a dedicated banking program provided in the employee terminal 1460. It would be desirable to provide a communication interface for a network.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 1460, the interface unit 1405 may use the employee terminal based on the CDMA protocol. 1460 and a communication channel, and a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information transmission and reception using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1460, the interface unit 1405 connects a communication channel with the employee terminal 1460 through a messenger protocol based on at least one wireless communication protocol. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered as a parent account using the messenger protocol defined in the messenger program.

Alternatively, when the online terminal linked banking program is provided in the employee terminal 1460, the interface unit 1405 communicates with the employee terminal 1460 through a dedicated banking protocol based on at least one wireless communication protocol. Communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered using the corporate banking account as a parent account using the dedicated banking protocol defined in the dedicated banking program. To provide.

The interface provider 1410 connects a predetermined communication channel between the Dutch pay requester employee terminal 1460 and the corporate server 1400 through the interface unit 1405, or an online account based Dutch pay request service. In the case of requesting a request, a predetermined function for DutchPay between employees using the online account in response to a functional configuration (eg, a browser program, a messenger program, or an online account linked banking program) included in the employee terminal 1460 is provided. Generate a predetermined user interface capable of inputting (or selecting) online account-based Dutch Pay request information to the enterprise server 1400 via the network means, and / or extracting from a predetermined database (not shown) And the generation (or predetermined web source D / B (not shown)) in conjunction with the interface unit 1405. Extract the user interface) to the employee terminal 1460 through the network means.

Thereafter, the employee terminal 1460 inputs (or selects) predetermined online account-based DutchPay request information for DutchPay between employees using the online account based on the user interface, and inputs (or selects) The predetermined online account-based Dutch Pay request information for Dutch Pay among employees using an online account is transmitted to the enterprise server 1400 through the network means.

According to an embodiment of the present invention, when the employee terminal 1460 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1410 may include a browser program provided in the employee terminal 1460. Alternatively, a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program is generated, and the generated (or It is preferable to provide a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1460.

According to another exemplary embodiment of the present disclosure, when the employee terminal 1460 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 may include a browser program provided in the employee terminal 1460. And / or generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program, and generates the user interface through the interface unit 1405. Alternatively, it is preferable to provide a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1460.

According to an embodiment of the present invention, a user interface for DutchPay between employees using a predetermined online account from the employee terminal 1460 in the corporate server 1400 may include the DutchPay requester side employee information (or online account information). ), And input (or select) online account-based DutchPay request information including at least one total payment amount information prepaid by the DutchPay requester and at least one or more DutchPay subject-side employee information (or online account information). Preferably, the user interface includes a user interface for inputting (or selecting) a Dutch pay amount for each Dutch pay subject (or inputting (or selecting) weight information for a specific Dutch pay subject). Further comprising a user interface) This is preferred.

The information receiving unit 1415 inputs (or selects) predetermined online account-based DutchPay request information for DutchPay between employees using a predetermined online account through the user interface at the employee terminal 1460 and the network means. When transmitting through, in connection with the interface unit 1405 is characterized in that for receiving a predetermined online account-based Dutch pay request information for Dutch pay between employees using the online account.

According to an embodiment of the present invention, the online account-based Dutch pay request information includes the Dutch pay requester side employee information (or online account information), the total payment amount information prepaid by the Dutch pay requester, and at least one Dutch value. It is preferable to include at least one or more employee information (or online account information) of the pay subject, and further includes the amount of Dutch pay for each Dutch pay subject, or weighted information for a specific Dutch pay subject according to the intention of the skilled person. It is preferable to make.

Here, the Dutch pay requester side employee information is member ID information, or employee identification information (eg, employee number) registered in the corporate server 1400 by the corporate employee receiving a predetermined Dutch pay amount from the Dutch pay target side employees ) Or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch pay requestor side employee information may further include (or alternatively include) online account information corresponding to the Dutch pay requestor side employee, whereby the present invention is not limited thereto. No.

The total payment amount information prepaid by the Dutch pay requester may include a total payment amount that the Dutch pay requestor promises by making a partial payment (or partial settlement) of the payment amount with at least one Dutch pay subject. Do.

According to an embodiment of the present invention, the total payment amount information prepaid by the Dutch pay requester may further include credit card slip serial number information in the case of credit card payment, and cash receipt slip serial number information in the case of cash payment. It may further include.

In addition, the employee information of the Dutch payee is member ID information or employee identification information (eg, employees) registered by the corporate employee who transfers the amount of Dutch pay to at least one Dutch pay requestor side employee to the corporate server 1400. Number) or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch payee-side employee information may further include (or alternatively include) online account information corresponding to the Dutch payee-side employee, whereby the present invention is not limited thereto. No.

When the total payment amount is not divided by the Dutch pay requester and at least one Dutch pay subject, the online account-based Dutch pay request information further includes Dutch pay amount information for each Dutch pay subject, or It is preferable that the weight information for the particular Dutch pay subject is further included.

After the online account-based DutchPay request information is received from the DutchPay requester employee terminal 1460, the interface provider 1410 is connected to the DutchPayee employee terminal 1460 through the interface unit 1405. When a predetermined communication channel is connected between the corporate server 1400, the online account corresponds to a functional configuration (eg, a browser program, a messenger program, or an online account linked banking program) included in the employee terminal 1460. Generate (or select) predetermined online account-based Dutch Pay approval information for Dutch Pay between employees using the network and generate a predetermined user interface which can be transmitted to the enterprise server 1400 through the network means, and / or Extracted from a predetermined database (not shown) and generated in association with the interface unit 1405 ( Or a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1460 via the network means.

Thereafter, the employee terminal 1460 inputs (or selects) predetermined online account-based DutchPay approval information for DutchPay between employees using the online account based on the user interface, and inputs (or selects) The predetermined online account-based Dutch Pay approval information for Dutch Pay between employees using an online account is transmitted to the enterprise server 1400 through the network means.

According to an embodiment of the present invention, when the employee terminal 1460 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1410 may include a browser program provided in the employee terminal 1460. Or a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program, and the generated (or It is preferable to provide a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1460.

According to another exemplary embodiment of the present disclosure, when the employee terminal 1460 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 may include a browser program provided in the employee terminal 1460. And / or generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program, and generates the user interface through the interface unit 1405. Alternatively, it is preferable to provide a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1460.

According to an exemplary embodiment of the present invention, the user interface for Dutch pay between employees using a predetermined online account from the employee terminal 1460 in the corporate server 1400 may include information on the total payment amount prepaid by the Dutch pay requester. A user interface for outputting the DutchPay amount for each DutchPay subject divided by the number of DutchPay subjects and the DutchPay requester, employee information (or online account information) of the DutchPay subject, and the DutchPay requester Side of the employee information (or online account information) and the Dutch payment subject side financial transaction authentication information for authenticating the withdrawal of a predetermined Dutch pay amount from the online pay subject's online account and depositing the deposit into the online account of the Dutch pay requester. Dutch Pay-based authorization that contains at least one online account It is preferable to include a user interface for inputting (or selecting) information, and the user interface further includes a user interface for inputting (or selecting) DutchPay condition information for requesting to process DutchPay financial transactions after payroll. It is preferable to make.

According to another exemplary embodiment of the present invention, when the online account-based Dutch pay request information includes Dutch pay amount information for each Dutch payee, a predetermined online account is provided from the employee terminal 1460 in the corporate server 1400. The user interface for DutchPay between employees using the user interface includes a user interface for outputting DutchPay amount information for each DutchPay subject, the employee information (or online account information) of the DutchPay subject, and the employee information of the DutchPay requester. Or online account information) and at least one Dutch pay subject side financial transaction authentication information for authenticating the withdrawal of a predetermined amount of Dutch pay from the Dutch pay subject's online account and deposited into the online account of the Dutch pay requester. Enter your online account-based Dutch Pay authorization information (or It is preferable that the user interface further comprises a user interface for inputting (or selecting) DutchPay condition information requesting to process DutchPay financial transactions after payroll. .

According to another exemplary embodiment of the present invention, when the online account-based Dutch pay request information includes weight information on a specific Dutch pay target, the interface provider 1410 may be configured according to the Dutch pay target according to the weight information. To calculate the Dutch pay amount information, at this time, the user interface for the Dutch pay between the employees using a predetermined online account from the employee terminal 1460 in the corporate server 1400, the Dutch pay amount information for each Dutch pay page The user interface, the employee information (or online account information) of the person receiving the Chippei, the employee information (or online account information) of the Dutch payer, and a predetermined amount of Dutch pay in the online account of the Dutch payee. To authenticate the withdrawal and deposit into the online account of the Dutch pay requestor. Preferably, the user interface includes a user interface for inputting (or selecting) online account-based DutchPay authorization information including at least one of the person's financial transaction authentication information. Preferably, the method further includes a user interface for inputting (or selecting) DutchPay condition information requesting processing.

The information receiving unit 1415 inputs (or selects) predetermined online account-based DutchPay authorization information for DutchPay between employees using a predetermined online account through the user interface at the employee terminal 1460 and the network means. When transmitting through, in connection with the interface unit 1405 is characterized in that for receiving a predetermined online account-based DutchPay approval information for DutchPay between employees using the online account.

According to an embodiment of the present invention, the online account-based DutchPay approval information may include the employee information (or online account information) of the Dutch payee, the employee information (or online account information) of the Dutch pay requester, and the Dutch pay. At least one Dutch pay subject side financial transaction authentication information for authenticating the withdrawal of a predetermined amount of Dutch pay from the subject's online account and depositing it into the online account of the Dutch pay requestor is preferably included. Accordingly, it is preferable to further include Dutch pay condition information requesting to process Dutch pay financial transactions after payroll.

Herein, the employee information of the Dutch payee is member ID information or employee identification information (for example, an employee registered in the corporate server 1400 by the corporate employee who transfers the Dutch pay amount to at least one Dutch pay requestor side employee). Number) or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch payee-side employee information may further include (or alternatively include) online account information corresponding to the Dutch payee-side employee, whereby the present invention is not limited thereto. No.

In addition, the Dutch pay requester-side employee information is member ID information, or employee identification information (eg, employee number) registered in the corporate server 1400 by the corporate employee receiving a predetermined Dutch pay amount from the Dutch payee-side employees ) Or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch pay requestor side employee information may further include (or alternatively include) online account information corresponding to the Dutch pay requestor side employee, whereby the present invention is not limited thereto. No.

In addition, the Dutch pay subject-side financial transaction authentication information of the Dutch pay subject-line online account for authenticating the withdrawal of a certain amount of Dutch pay from the Dutch pay subject's online account and depositing the deposit into the online account of the Dutch pay requester. A password, or at least one password corresponding to the Dutch pay financial transaction is characterized in that it comprises.

In addition, due to the nature of the Dutch financial transaction shown in Figure 14, characterized in that the financial transaction for the Dutch pay between the employee is made through a non-face-to-face channel, the online account-based Dutch pay approval information is in the process of opening the online account It further comprises at least one or more security code information provided on the security card provided to the corporate staff, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the corporate staff desirable.

In addition, the financial transaction for DutchPay between the employees is carried out through a non-face-to-face channel, the nature of the DutchPay transaction shown in FIG. 14, the online account-based DutchPay approval information is the employee terminal (1460) (Or at least one encryption key included in the official certificate information included in the IC card of the corporate employee connected through an integrated circuit (IC) card reader provided in the employee terminal 1460) Preferably, the data is encrypted based on the Dutch pay financial transaction information, or the electronic signature of the corporate employee is attached to the Dutch pay financial transaction information.

In addition, the Dutch pay condition information is a financial request to process the Dutch pay financial transaction after the company pays a predetermined salary to the Dutch pay subject to the Dutch pay amount regardless of the online account balance of the Dutch pay subject It is preferable to include the transaction condition information.

When the online account-based DutchPay request information and the online account-based DutchPay approval information are received through the information receiver 1415, the employee authentication unit 1425 may communicate between the corporate employees through the online account-based DutchPay request information. It is characterized by checking the validity to Dutchpay a predetermined amount.

According to the exemplary embodiment of the present invention, authenticating the Dutch pay between the corporate employees through the online account-based Dutch pay request information may be performed by the employee authentication unit 1425 in association with the storage medium 1455. Preferably, the online account corresponding to the Dutch payee employee information included in the base Dutch pay request information includes checking whether an online account is opened using the corporate financial account as a parent account. If not, the employee certification unit 1425 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating the Dutch pay between the corporate employees through the online account-based Dutch Pay request information, the employee authentication unit 1425 is connected to the online account-based Dutch Pay request information in connection with the storage medium 1455 It is preferable to include whether the online account corresponding to the Dutch pay requester side employee information is opened with the corporate financial account as the parent account, and if the employee's online account is not opened, the employee certification The unit 1425 processes to open the employee's online account through the online account registration system shown in FIG.

If the employee authentication unit 1425 authenticates that the company pays between the corporate employees through the online account-based Dutch pay request information, the Dutch pay checking unit 1430 is received from the Dutch pay target employee terminal 1460. Read the online account-based DutchPay approval information to verify whether the DutchPay financial transactions are carried out immediately.

According to an exemplary embodiment of the present invention, when the balance of the online account is included in the online account information of the Dutch pay subject stored in the storage medium 1455, the Dutch pay checking unit 1430 may be configured as the Dutch pay subject online account. It is preferable to check whether the balance of can be withdrawn immediately from the Dutch pay amount to the Dutch pay requester's online account, if the balance of the Dutch pay subject online account is greater than or equal to the Dutch pay amount, the Dutch When the Dutch payable financial transaction is immediately possible for the pay amount, and the balance of the Dutch payable online account is less than the Dutch pay amount, it is confirmed that the Dutch pay financial transaction is not possible for the Dutch pay amount.

According to another embodiment of the present invention, after the company pays a predetermined salary to the Dutch pay subject in the online account based on the Dutch pay authorization information, the Dutch pay amount regardless of the online account balance of the Dutch pay subject. When the predetermined Dutch pay condition information is requested to process the Dutch pay financial transaction, the Dutch pay checking unit 1430 confirms that the Dutch pay financial transaction is impossible immediately.

If it is confirmed that the Dutch pay transaction is impossible immediately with respect to the Dutch pay amount, the information storage unit 1435 is the Dutch pay subject online account information and the online account based Dutch. The pay approval information is linked and stored in a predetermined Dutch pay information D / B (1490), and then the payroll check unit 1440 is an online account management system for payroll shown in Figure 10 It is characterized in that whether the predetermined salary is paid to the online account of the Dutch pay subject employees.

If the Dutch pay check unit 1430 confirms that the Dutch pay financial transaction is possible immediately, or the salary payment confirmation unit 1440 a predetermined salary is paid to the Dutch pay subject If it is confirmed, the information generating unit 1445 is the Dutch pay subject online account information and the Dutch pay of the employee corresponding to the Dutch pay subject from the online account-based Dutch pay request information (or online account-based Dutch pay approval information) Generating Dutch pay transaction information including at least one Dutch pay requester online account information of the employee corresponding to the requester and at least one Dutch pay amount information to be transferred from the Dutch payee online account to the Dutch pay requester online account; do.

According to an embodiment of the present invention, when the online account-based Dutch Pay request information (or online account-based Dutch Pay approval information) includes employee information of the Dutch payee, the information generation unit 1445 may include the storage medium ( It is preferable to check the Dutch pay subject online account information corresponding to the Dutch pay subject employee information in connection with 1455, and to generate the Dutch pay financial transaction information including the Dutch pay subject online account information. When the account-based Dutch pay request information includes the online account information of the employees of the Dutch payee, it is possible to generate the Dutch pay financial transaction information directly including the Dutch payee online account information. It is not limited.

In addition, when the online account-based Dutch pay request information (or online account-based Dutch pay approval information) includes the Dutch pay requestor side employee information, the information generation unit 1445 is connected to the storage medium 1455. It is preferable to check the Dutch pay requester online account information corresponding to the Dutch pay requestor side employee information, and to generate the Dutch pay financial transaction information including the Dutch pay requestor online account information. When the information includes the online account information of the employees of the Dutch pay requester, it is possible to generate the Dutch pay financial transaction information directly including the Dutch pay requestor online account information, and thus the present invention is not limited thereto.

When the information generating unit 1445 generates the Dutch pay financial transaction information including at least one of the Dutch payee online account information, the Dutch pay amount information, and the Dutch pay requester online account information, the information relay unit 1450. The at least one corporate employee's financial transaction authentication information included in the Dutch pay financial transaction information and the online account-based Dutch pay approval information is provided through a predetermined communication means (eg, a dedicated communication network or a secure communication network). It is characterized in that the relay transmission to the financial company server (1465) that manages the online account.

In addition, the information relay unit 1450 may receive Dutch pay result information corresponding to the Dutch pay financial transaction information from the financial company server 1465 through the communication means, and the Dutch pay result information may be The Dutch pay subject online account may include information that authenticates (or approves) that the Dutch pay amount information is withdrawn and deposited into the Dutch pay requester online account.

However, since the online account is opened in the form of a virtual account registered with the corporate financial account as the parent account through the online account registration system shown in FIG. 1, the Dutch pay result information is not the actual money transfer result. Preferably, the amount of money deposited in the financial account is set to be able to withdraw money through the Dutch payee online account.

When the Dutch page result information is received from the financial company server 1465 through the information relay unit 1450, the information transmitter 1420 is linked to the Dutch pay target employees in association with the interface unit 1405. It is characterized in that for transmitting the online Dutch pay result information between a predetermined employee including the Dutch pay result information and the online account-based Dutch pay request information to each employee terminal 1460 included in the Dutch pay target.

Referring to FIG. 14, the financial company server 1465 may be configured to provide the user with the Dutch pay subject online account information of the employee corresponding to the Dutch pay subject and the employee of the Dutch pay requester from the corporate server 1400 through the communication means. Dutch included in DutchPay financial transaction information and online account-based DutchPay authorization information including at least one DutchPay online account information and at least one DutchPay amount information to be transferred from the DutchPay online account to the DutchPay requester online account Receiving the pay target financial transaction authentication information, and when the Dutch pay financial transaction is completed based on the Dutch pay financial transaction information and the Dutch pay financial target authentication information, the Dutch pay result information corresponding to the Dutch pay financial transaction information Transmitting and receiving information to the enterprise server 1400 The online account is accessed based on the Dutch pay financial transaction information received through the information transceiving unit 1470 in association with the unit 1470 and a predetermined financial system, and is included in the online account based Dutch pay approval information. The authentication processing unit (1475) for authenticating DutchPay between employees using an online account corresponding to DutchPay financial transaction information through the financial transaction authentication information of the DutchPay subject, and during the DutchPay authentication between the employees using the online account, An online account management unit 1480 that processes Dutch pay between employees using a registered online account using the corporate financial account as a parent account, and a predetermined online account usage history processed by the online account management unit 1480 And a ledger processing unit 1485 for processing the transaction details and recording them in the ledger provided in the financial system. And a gong.

The information transmitting and receiving unit 1470 through the communication means from the corporate server 1400 the Dutch pay subject online account information of the employee corresponding to the Dutch pay subject and the Dutch pay requester online account information of the employee corresponding to the Dutch pay requester And the Dutch-payee financial transaction authentication information included in the Dutch-payee financial transaction information and the online account-based Dutch-Pay authorization information, including at least one DutchPay amount information to be transferred from the Dutch Payee online account to the DutchPay requester online account. And receiving the information from the Dutch pay financial transaction information and the Dutch pay subject financial transaction authentication information to the authentication processing unit 1475, and further receiving the received Dutch pay financial transaction information online. Provided to the account management unit 1480.

If the validity of the Dutch pay subject financial transaction authentication information is authenticated by the authentication processing unit 1475, and the Dutch pay financial transaction is processed by the online account manager 1480, the information transceiving unit 1470. ) Generates (or extracts) DutchPay result information corresponding to the DutchPay financial transaction information and transmits it to the corporate server 1400 through the communication means.

When the Dutch pay financial transaction information and the Dutch pay subject side financial transaction authentication information are received from the corporate server 1400 through the information transceiver 1470, the authentication processor 1475 is connected to a predetermined financial system. The user may access a registered online account using the corporate financial account as a mother account on the financial system through the Dutch pay financial transaction information received through the information transceiving unit 1470.

When accessing a registered online account using the corporate financial account as a mother account on the financial system through the Dutch pay financial transaction information, the authentication processing unit 1475, the online account information included in the Dutch pay financial transaction information and the By comparing and authenticating online account ledger information corresponding to a registered online account using a corporate financial account as a parent account, DutchPay is authenticated between employees using the online account for the online account.

In addition, when accessing a registered online account using the corporate financial account as a parent account on the financial system through the Dutch pay financial transaction information, the authentication processing unit 1475 and the received Dutch pay subject-side financial transaction authentication information; Comparing and authenticating the Dutch pay subject-side financial transaction authentication information provided in the online account ledger corresponding to the Dutch pay subject online account, the Dutch pay is authenticated between employees using the online account for the online account. .

In the case of DutchPay authentication between employees using the online account by the authentication processing unit 1475, the online account operation unit 1480 determines the amount of DutchPay included in the DutchPay financial transaction information in the DutchPay subject online account account. It is characterized by processing the Dutch pay between employees using the online account to withdraw money to the Dutch pay requester online account.

When Dutch pay between employees using an online account registered using the corporate financial account as the parent account is processed by the online account manager 1480, the ledger processor 1485 corresponds to Dutch pay between employees using the online account. The online account history is generated, wherein the online account history is matched with the financial transaction details that can be stored in the transaction history defined in the ledger on the financial system.

Thereafter, the ledger processing unit 1485 corresponds to the online account ledger provided on the financial system for the online account usage history that matches the financial transaction history that may be stored in the transaction defined in the ledger on the financial system. It is characterized by storing in the information.

15 is a diagram illustrating an online account-based Dutch Pay request process according to an embodiment of the present invention.

In more detail, in FIG. 15, the Dutch pay requestor employee terminal 1460 and the enterprise server 1400 on the online account management system for the online account based Dutch pay are shown in FIG. As a process for providing a Dutch pay service, when the at least one director of the Dutch payer employee terminal 1460 provides the online account-based Dutch pay request information to the corporate server 1400, the corporate server 1400 ) Shows a process of requesting online account-based DutchPay approval information to at least one DutchPay subject employee terminal 1460 based on the online account-based DutchPay request information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 15 to infer various implementation methods for the online account-based Dutch Pay request process, but the present invention infers the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 15, the Dutch pay requestor employee terminal 1460 on the online account management system illustrated in FIG. 14 is referred to as a “terminal” for convenience.

Referring to FIG. 15, the terminal accesses the corporate server 1400 through a predetermined network means, connects a communication channel for Dutch Pay between employees using the online account, and connects the corporate server through the communication channel. In operation 1400, the user requests an online account-based Dutch Pay service for the corporate employee (eg, selects an online account-based Dutch Pay menu).

According to an embodiment of the present invention, when the terminal includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1400 is based on the protocol stack defined in the wired network and / or wireless network. At least one online account-based Dutch pay request using an online account connected to a predetermined communication channel and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmitting and receiving information (or data) for financial transactions.

For example, when the terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the enterprise server 1400 connects the communication channel with the terminal based on the TCP / IP protocol, and the browser Using the HTPP protocol defined in the program, it provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information.

Alternatively, when a predetermined messenger program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through a messenger protocol based on the TCP / IP protocol, and a messenger defined in the messenger program. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using a registered online account using the corporate financial account as a parent account using a protocol.

Alternatively, when the online account interworking banking program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through a dedicated banking protocol based on the TCP / IP protocol, and interlocks the online account. Provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using an online account registered as a parent account using the banking protocol defined in the banking program.

According to another exemplary embodiment of the present invention, when the terminal includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1400 is provided with the terminal based on a protocol stack defined in the wireless communication network. At least one online account based DutchPay request financial transaction using an online account registered with the corporate financial account using a communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through a messenger protocol based on at least one or more wireless communication protocols, and a messenger defined in the messenger program. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using a registered online account using the corporate financial account as a parent account using a protocol.

Alternatively, when the terminal is provided with the online account interlocking banking program, the enterprise server 1400 connects a communication channel with the terminal through a dedicated banking protocol based on at least one or more wireless communication protocols, and the dedicated banking program. It provides a communication interface for transmitting and receiving information (or data) for Dutch Pay financial transactions between employees using the registered online account using the corporate financial account as a parent account using the dedicated banking protocol defined in.

Thereafter, the corporate server 1400 generates a predetermined user interface for receiving predetermined online account-based Dutch Pay request information for Dutch Pay between employees using the online account (or a predetermined web source D / B (shown in FIG. Omit), and transmits the extracted information to the terminal for output (1505).

According to an exemplary embodiment of the present invention, when the terminal includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1400 may interwork with a browser program and / or a messenger program and / or an online account provided in the terminal. Generate a predetermined user interface that can be provided by a banking program (or extract it from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (shown) through the interface unit 1405. It is preferable to provide the user interface extracted from the)) to the terminal.

According to another exemplary embodiment of the present invention, when the terminal includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1400 may include a browser program and / or a messenger program and / or an online account provided in the terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by the linked banking program, and generates the generated (or predetermined web source D / B () through the interface unit 1405. It is preferable to provide a user interface extracted from the drawing) to the terminal.

According to an embodiment of the present invention, a user interface for DutchPay between employees using a predetermined online account from the terminal in the corporate server 1400 may include the DutchPay requester side employee information (or online account information), and A user interface for inputting (or selecting) online account-based DutchPay request information including at least one total payment amount information prepaid by the DutchPay requester and at least one or more staff information (or online account information) of the Dutch payee. Preferably, the user interface includes a user interface (or a user interface for inputting (or selecting) weight information for a specific Dutch pay subject) for inputting (or selecting) a Dutch pay amount for each Dutch pay subject. It is preferable that it further comprises .

Thereafter, the terminal inputs (or selects) predetermined online account-based Dutch Pay request information through the user interface (1510). If the online account-based Dutch Pay request information is input (or selected) (1515), The terminal transmits the online account-based Dutch Pay request information to the enterprise server 1400 through the communication channel (1520).

According to an embodiment of the present invention, the online account-based Dutch pay request information includes the Dutch pay requester side employee information (or online account information), the total payment amount information prepaid by the Dutch pay requester, and at least one Dutch value. It is preferable to include at least one or more employee information (or online account information) of the pay subject, and further includes the amount of Dutch pay for each Dutch pay subject, or weighted information for a specific Dutch pay subject according to the intention of the skilled person. It is preferable to make.

Here, the Dutch pay requester side employee information is member ID information, or employee identification information (eg, employee number) registered in the corporate server 1400 by the corporate employee receiving a predetermined Dutch pay amount from the Dutch pay target side employees ) Or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch pay requestor side employee information may further include (or alternatively include) online account information corresponding to the Dutch pay requestor side employee, whereby the present invention is not limited thereto. No.

The total payment amount information prepaid by the Dutch pay requester may include a total payment amount that the Dutch pay requestor promises by making a partial payment (or partial settlement) of the payment amount with at least one Dutch pay subject. Do.

According to an embodiment of the present invention, the total payment amount information prepaid by the Dutch pay requester may further include credit card slip serial number information in the case of credit card payment, and cash receipt slip serial number information in the case of cash payment. It may further include.

In addition, the employee information of the Dutch payee is member ID information or employee identification information (eg, employees) registered by the corporate employee who transfers the amount of Dutch pay to at least one Dutch pay requestor side employee to the corporate server 1400. Number) or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch payee-side employee information may further include (or alternatively include) online account information corresponding to the Dutch payee-side employee, whereby the present invention is not limited thereto. No.

When the total payment amount is not divided by the Dutch pay requester and at least one Dutch pay subject, the online account-based Dutch pay request information further includes Dutch pay amount information for each Dutch pay subject, or It is preferable that the weight information for the particular Dutch pay subject is further included.

Thereafter, the corporate server 1400 reads the received online account-based Dutch Pay request information to check the validity of Dutch Pay for the corporate employee (1525).

According to an embodiment of the present invention, authenticating the Dutch pay between the employees of the company through the online account-based Dutch Pay request information is based on the online account by the corporate server 1400 in connection with the storage medium 1455. Preferably, the online account corresponding to the Dutch payee employee information included in the Dutch Pay request information includes checking whether the online account is opened using the corporate financial account as the parent account. In this case, the enterprise server 1400 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating that Dutch pay between corporate employees through the online account-based Dutch pay request information is included in the online account-based Dutch pay request information by the corporate server 1400 in connection with the storage medium 1455. It is preferable to include whether the online account corresponding to the Dutch pay requestor side employee information is opened with the corporate financial account as a parent account, if the employee's online account is not opened, the corporate server ( 1400 processes to open the employee's online account through the online account registration system shown in FIG.

If the Dutch pay validity for the corporate employee is not authenticated (1530), the corporate server 1400 generates a predetermined online account-based Dutch pay error information and transmits it to the terminal (1535), after which the terminal The process of providing the valid online account-based Dutch Pay request information to the enterprise server 1400 is repeated.

On the other hand, if the validity of DutchPay for the corporate employee is authenticated (1530), the corporate server 1400 checks at least one DutchPay subject employee information included in the online account-based DutchPay request information (1540). The Dutch Payee Employee Employee 1460 generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) to receive predetermined online account-based DutchPay approval information from the Dutch Payee Employee employee 1460. The transmission is output to the terminal 1460 (1545).

According to an exemplary embodiment of the present invention, the user interface for Dutch pay between employees using a predetermined online account from the employee terminal 1460 in the corporate server 1400 may include information on the total payment amount prepaid by the Dutch pay requester. A user interface for outputting the DutchPay amount for each DutchPay subject divided by the number of DutchPay subjects and the DutchPay requester, employee information (or online account information) of the DutchPay subject, and the DutchPay requester Side of the employee information (or online account information) and the Dutch payment subject side financial transaction authentication information for authenticating the withdrawal of a predetermined Dutch pay amount from the online pay subject's online account and depositing the deposit into the online account of the Dutch pay requester. Dutch Pay-based authorization that contains at least one online account It is preferable to include a user interface for inputting (or selecting) information, and the user interface further includes a user interface for inputting (or selecting) DutchPay condition information for requesting to process DutchPay financial transactions after payroll. It is preferable to make.

According to another exemplary embodiment of the present invention, when the online account-based Dutch pay request information includes Dutch pay amount information for each Dutch payee, a predetermined online account is provided from the employee terminal 1460 in the corporate server 1400. The user interface for DutchPay between employees using the user interface includes a user interface for outputting DutchPay amount information for each DutchPay subject, the employee information (or online account information) of the DutchPay subject, and the employee information of the DutchPay requester. Or online account information) and at least one Dutch pay subject side financial transaction authentication information for authenticating the withdrawal of a predetermined amount of Dutch pay from the Dutch pay subject's online account and depositing it into the online pay requester's online account. Enter your online account-based Dutch Pay authorization information (or It is preferable that the user interface further comprises a user interface for inputting (or selecting) DutchPay condition information requesting to process DutchPay financial transactions after payroll. .

According to another exemplary embodiment of the present invention, when the online account-based Dutch pay request information includes weight information on a specific Dutch pay target, the interface provider 1410 may be configured according to the Dutch pay target according to the weight information. To calculate the Dutch pay amount information, at this time, the user interface for the Dutch pay between the employees using a predetermined online account from the employee terminal 1460 in the corporate server 1400, the Dutch pay amount information for each Dutch pay page Withdraw a predetermined amount of Dutch Pay from the user interface, the Dutch payee-side employee information (or online account information), the Dutchpay requester-side employee information (or online account information), and the Dutch pay-subscriber's online account. To authenticate the deposit to the Dutch payer's online account Preferably, the user interface includes a user interface for inputting (or selecting) online account-based DutchPay authorization information including at least one of the person's financial transaction authentication information. Preferably, the method further includes a user interface for inputting (or selecting) DutchPay condition information requesting processing.

16 illustrates an online account-based Dutch Pay approval process according to an embodiment of the present invention.

More specifically, FIG. 16 shows at least one Dutch through the online account-based DutchPay request process shown in FIG. 15 in the enterprise server 1400 on the online account management system for the online account-based Dutch Pay shown in FIG. When a predetermined user interface is provided to the payee employee terminal 1460 to receive the predetermined online account-based DutchPay approval information, the Dutchpayee employee terminal 1460 inputs the predetermined online account-based DutchPay approval information. (Or the selection) provided to the corporate server 1400, the predetermined Dutch pay financial transaction information corresponding to the online account-based Dutch Pay request information (or online account-based Dutch Pay approval information) in the enterprise server 1400 Is a diagram illustrating a process of generating and transmitting the same to a predetermined financial institution server 1465.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for the online account based DutchPay approval process, but the present invention infers the above. It is made including all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the Dutch payee employee terminal 1460 on the online account management system illustrated in FIG. 14 is referred to as a “terminal” for convenience.

Referring to FIG. 16, a predetermined user interface for receiving predetermined online account-based DutchPay approval information from the enterprise server 1400 to at least one or more terminals through the online account-based DutchPay request process shown in FIG. 15. The terminal inputs (or selects) predetermined online account-based Dutch Pay authorization information through the user interface (1600), and if the online account-based Dutch Pay authorization information is input (or selects) (1605). In operation 1610, the terminal transmits the online account-based Dutch Pay approval information to the enterprise server 1400 through the communication channel.

According to an embodiment of the present invention, the online account-based DutchPay approval information may include the employee information (or online account information) of the Dutch payee, the employee information (or online account information) of the Dutch pay requester, and the Dutch pay. It is preferable to include at least one Dutch pay subject side financial transaction authentication information for authenticating the withdrawal of a predetermined Dutch pay amount from the subject's online account and depositing it into the online account of the Dutch pay requester. In accordance with the present invention, it is preferable to further include Dutch pay condition information requesting to process the Dutch pay financial transaction after payment.

Herein, the employee information of the Dutch payee is member ID information or employee identification information (for example, an employee registered in the corporate server 1400 by the corporate employee who transfers the Dutch pay amount to at least one Dutch pay requestor side employee). Number) or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch payee-side employee information may further include (or alternatively include) online account information corresponding to the Dutch payee-side employee, whereby the present invention is not limited thereto. No.

In addition, the Dutch pay requester-side employee information is member ID information, or employee identification information (eg, employee number) registered in the corporate server 1400 by the corporate employee receiving a predetermined Dutch pay amount from the Dutch payee-side employees ) Or at least one or more of the name and resident registration number of the employee.

According to another exemplary embodiment of the present invention, the Dutch pay requestor side employee information may further include (or alternatively include) online account information corresponding to the Dutch pay requestor side employee, whereby the present invention is not limited thereto. No.

In addition, the Dutch pay subject-side financial transaction authentication information of the Dutch pay subject-line online account for authenticating the withdrawal of a certain amount of Dutch pay from the Dutch pay subject's online account and depositing the deposit into the online account of the Dutch pay requester. A password, or at least one password corresponding to the Dutch pay financial transaction is characterized in that it comprises.

In addition, due to the nature of the Dutch financial transaction illustrated in FIG. 16, wherein the financial transaction for the Dutch pay between the employees is performed through a non-face-to-face channel, the online account-based Dutch pay approval information is provided in the online account opening process. It further comprises at least one or more security code information provided on the security card provided to the corporate staff, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the corporate staff desirable.

In addition, the financial transaction for the Dutch pay between the employee is made through a non-face-to-face channel, characterized in that the Dutch pay financial transaction shown in Figure 16, the online account-based Dutch pay approval information is the employee terminal (1460) (Or at least one encryption key included in the official certificate information included in the IC card of the corporate employee connected through an integrated circuit (IC) card reader provided in the employee terminal 1460) Preferably, the data is encrypted based on the Dutch pay financial transaction information, or the electronic signature of the corporate employee is attached to the Dutch pay financial transaction information.

In addition, the Dutch pay condition information is a financial request to process the Dutch pay financial transaction after the company pays a predetermined salary to the Dutch pay subject to the Dutch pay amount regardless of the online account balance of the Dutch pay subject It is preferable to include the transaction condition information.

Thereafter, the enterprise server 1400 reads the received online account-based Dutch Pay approval information to immediately check the validity of Dutch Pay (1615).

When the balance of the online account is included in the online account information of the Dutch payee subject stored in the storage medium 1455 according to an exemplary embodiment of the present invention, the corporate server 1400 may balance the balance of the Dutch payee online account. It is preferable to check whether the Dutch pay amount can be withdrawn immediately and deposited into the online account of the Dutch pay requester. If the balance of the Dutch pay target online account is greater than or equal to the Dutch pay amount, the Dutch pay amount It is confirmed that DutchPay financial transaction is possible immediately and that the amount of DutchPay subject online account is less than the DutchPay amount.

According to another embodiment of the present invention, after the company pays a predetermined salary to the Dutch pay subject in the online account based on the Dutch pay authorization information, the Dutch pay amount regardless of the online account balance of the Dutch pay subject. When the predetermined Dutch pay condition information requesting to process the Dutch pay financial transaction is included, the enterprise server 1400 confirms that the Dutch pay financial transaction is impossible immediately.

If the Dutch pay validity is not immediately authenticated to the corporate employee (1620), the corporate server 1400 stores the linked Dutch payee online account information and the online account-based Dutch pay approval information (1625).

According to the exemplary embodiment of the present invention, the corporate server 1400 may process the Dutch payee online account information and the online account based Dutch pay approval information in a predetermined Dutch pay information D / B 1490. desirable.

Thereafter, the enterprise server 1400 checks whether a predetermined salary is paid to the online account of the Dutch pay subject employee through the online account management system for payroll shown in FIG. 10 (1630). When it is confirmed that a predetermined salary is paid to the target person (1635), the enterprise server 1400 may determine that the employee corresponding to the Dutch pay target is based on the Dutch pay subject online account information and the online account based Dutch pay approval information. Dutch including at least one Dutch payee online account information, the Dutch pay requester online account information of the employee corresponding to the Dutch pay requester, and at least one Dutch pay amount information to be transferred from the Dutch payee online account to the Dutch payee online account. Generating the pay financial transaction information (1640) and performing the Dutch pay financial And transmits the information and the page Dutch subjects side financial transaction authentication information to the bank server (1465) 1650.

On the other hand, if the Dutch pay validity is immediately authenticated for the corporate employee (1630), the corporate server 1400 corresponding to the Dutch pay subject based on the online account-based Dutch Pay request information and online account-based Dutch Pay approval information At least one Dutch payee online account information of the employee and at least one Dutch pay requester online account information corresponding to the Dutch pay requester and information about the amount of Dutch pay to transfer from the Dutch payee online account to the Dutch payer online account The Dutch pay financial transaction information is generated (1645), and the Dutch pay financial transaction information and the Dutch payee-side financial transaction authentication information are transmitted to the financial company server 1465 (1650).

17 is a diagram illustrating an online account-based Dutch Pay processing process according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates the Dutch payee through the online account-based DutchPay approval process shown in FIG. 16 in the enterprise server 1400 on the online account management system for the online-based DutchPay shown in FIG. At least the Dutch payee online account information of the employee corresponding to the Dutch pay requester online account information and the Dutch pay requester online account information of the employee corresponding to the Dutch pay requester and the Dutch pay requester information from the Dutch payee online account When one or more Dutch pay transaction data and one or more Dutch pay party-side financial transaction authentication information are transmitted to the financial company server 1465, the online company through the Dutch pay party-targeted financial transaction authentication information is transmitted from the financial company server 1465. To verify the validity of DutchPay among account-based employees The process of processing the financial transactions for Dutch Pay between the online account-based employees based on the Dutch pay financial transaction information according to the authentication result, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawing 17, it is possible to infer various implementation methods for the process of Dutch Pay-based processing among the online account based employees, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 17, the corporate server 1400 corresponds to the Dutch pay subject online account information and the Dutch pay requester of the employee corresponding to the Dutch pay subject through the online account-based Dutch pay approval process shown in FIG. 16. DutchPay financial transaction information and at least one DutchPay party financial transaction authentication information including at least one DutchPay requester online account information and DutchPay price information to be transferred from the DutchPay subject online account to the DutchPay requester online account When the information is transmitted to the financial company server 1465, the financial company server 1465 validates the validity of the Dutch pay financial transaction between the online account based employees through the Dutch pay financial transaction information and the Dutch pay subject side financial transaction authentication information. Check (1700).

According to the implementation method of the present invention, the financial company server 1465 is connected to a predetermined financial system in the online account registered with the corporate financial account on the financial system through the received Dutch pay financial transaction information as a parent account Accessing and using the online account for the online account by comparing and authenticating the online account information included in the Dutch pay transaction information and the online account ledger information corresponding to the registered online account using the corporate financial account as a parent account. Characterized by DutchPay between employees.

In addition, when accessing a registered online account using the corporate financial account as a parent account on the financial system through the Dutch pay financial transaction information, the authentication processing unit 1475 and the received Dutch pay subject-side financial transaction authentication information; It is preferable to authenticate DutchPay between employees using an online account for the online account by comparing and authenticating the DutchPay subject-side financial transaction authentication information provided in the online account ledger corresponding to the DutchPay subject online account.

If the validity of the Dutch pay transaction between the online account-based employees is not authenticated (1705), the financial company server 1465 generates predetermined Dutch pay error information and transmits it to the corporate server 1400 (1710). In addition, we suspend the Dutch Pay transactions between the online account-based employees.

On the other hand, if the validity of the Dutch pay financial transactions between the online account-based employees is authenticated (1705), the financial company server 1465 processes the online account-based financial transactions through the Dutch pay financial transaction information (1715).

According to an embodiment of the present invention, the financial company server 1465 withdraws the DutchPay amount included in the DutchPay financial transaction information from the DutchPay subject online account account and deposits it into the DutchPay requester online account. It is characterized by processing Dutch pay between employees used.

If the online account-based financial transaction is processed (1720), the financial institution server 1465 generates a predetermined Dutch pay result information and transmits it to the corporate server (1400) (1725).

Here, the Dutch pay result information is opened in the form of a virtual account registered using the corporate financial account as a parent account through the online account registration system shown in FIG. Preferably, the amount of money deposited in the financial account is set to be able to withdraw money through the Dutch payee online account.

Subsequently, the corporate server 1400 includes each of the Dutch pay targets including Dutch pay result information for each Dutch pay target employee and online Dutch pay result information between predetermined employees including the online account-based Dutch pay request information. The employee's terminal 1460 is transmitted (1730).

According to the present invention, an advantage of using an online account of a corporate employee opened with a corporate financial account as a payroll account and providing a payment settlement (eg, Dutch Pay) service between corporate employees through the online account is provided. have.

Claims (5)

At the time of opening an online account of a corporate employee having a predetermined corporate financial account as a parent account, storing information in a predetermined storage medium in association with the online account information opened to the corporate employee and the corporate employee information in a predetermined information storage means; Requesting a partial settlement of the prepaid amount of money through at least one or more divisional settlement target employee information and predetermined prepaid amount of money information of a predetermined partial settlement request employee terminal; Generate a partial settlement amount for each employee of the divisional settlement subject in a predetermined information generation means; and in connection with the storage medium (or storage medium operation means), at least one divisional settlement target online account information associated with at least one divisional settlement subject employee information; Generating divided settlement financial transaction information including the divided settlement amount; Receiving, in a predetermined information processing means, the partial settlement settlement approval information from the at least one or more divisional settlement target employees terminals; The divisional settlement amount is divided among the amounts that can be withdrawn through the online account of the employees subject to the divisional settlement (including the divisional settlement request employee) among the amounts deposited in the mother account through the divisional settlement financial transaction information in a predetermined online account operating means. And setting the withdrawal through an online account of the target employees (including the divisional settlement request employees). The method of claim 1, wherein the request for the partial settlement of the prepaid amount of money through the at least one or more divided payment target employee information and the predetermined prepaid amount of money information by the employee terminal of the partial settlement request comprises: Partial settlement method using a corporate intranet, characterized in that for requesting a partial settlement transaction using the intranet within the enterprise. The method of claim 1, wherein the request for the partial settlement of the prepaid amount of money through the at least one or more divided payment target employee information and the predetermined prepaid amount of money information from the employee's terminal requesting partial settlement, Partial settlement method using a corporate intranet, characterized in that for requesting a partial settlement transaction using the name, ID, or employee number information of the corporate employee. A recording medium which records a program for executing the method of claims 1 to 3. Information storage means for storing an online account of a corporate employee having a predetermined corporate financial account as a mother account and storing the online account information and the corporate employee information opened to the corporate employee in a predetermined storage medium; When a predetermined settlement request is made by the employee's terminal, the division payment request for the prepayment amount is requested through at least one or more divisional payment target employee information and predetermined prepayment amount information. Information generating means for generating divided settlement financial transaction information including the divided settlement online account information and the divided settlement amount in association with at least one divided settlement target employee information in association with a medium (or a storage medium operating means); Information processing means for receiving the partial settlement approval information from the at least one divisional target employees; Of the amounts deposited in the parent account through the divided settlement financial transaction information, the divided settlement amount among the amounts that can be withdrawn through the online account of the employees subject to the divisional settlement (including the divisional settlement requesting staff). Split accounting system using the corporate intranet, characterized in that it comprises ;; an online account operating means for setting the withdrawal through the online account of the employee.

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