KR100873367B1

KR100873367B1 - Wireless terminal device for automatic recharging advance payment commute card and program recording medium

Info

Publication number: KR100873367B1
Application number: KR20070083112A
Authority: KR
Inventors: 정종필
Original assignee: 주식회사 신한은행
Priority date: 2007-08-18
Filing date: 2007-08-18
Publication date: 2008-12-10

Abstract

A wireless terminal apparatus and a program recording medium therefor are provided to check the balance of a pre-paid transportation card to automatically charge the card as much as the preset amount of money, and transmit information about an amount of money automatically charged to a server on a communication network. A wireless terminal(100) having a function of automatically charging a pre-paid transportation card comprises the followings: a checking unit(135) confirming the balance of the pre-paid transportation card; a payment program driving unit(140) which runs a wireless messenger program so as to be used as the payment program, if the confirmed balance is less than a preset amount of money; and a charging unit(125) which automatically charges the balance of the pre-paid transportation card as much as a preset amount of money withdrawn from an online account by controlling the driven messenger program.

Description

Wireless terminal device with automatic prepaid transportation card recharging function and program recording medium therefor {Wireless Terminal Device for Automatic Recharging Advance Payment Commute Card and Program Recording Medium}

1 is a diagram illustrating the configuration of a wireless terminal function for automatic prepaid transportation card charging through messenger-based online account banking according to an embodiment of the present invention.

2 is a diagram illustrating an online account registration system including a prepaid traffic card automatic charging function through a wireless messenger based online account banking according to an embodiment of the present invention.

3 is a diagram illustrating the configuration of online account ledger information including a prepaid traffic card automatic charging function through wireless messenger-based online account banking according to an embodiment of the present invention.

4 is a diagram illustrating an online account ledger information configuration including a prepaid traffic card automatic charging function through a wireless messenger-based online account banking according to another embodiment of the present invention.

5 is a diagram illustrating an online account ledger information configuration including a prepaid traffic card automatic charging function through a wireless messenger-based online account banking according to another embodiment of the present invention.

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

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

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

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

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

FIG. 11 is a diagram illustrating a configuration of an automatic prepaid transportation card automatic charging system through messenger-based online account banking according to an embodiment of the present invention.

12 is a diagram illustrating a process of driving a wireless messenger for automatic prepaid transportation card charging through messenger-based online account banking according to an embodiment of the present invention.

13 is a diagram illustrating a process of automatically charging a prepaid transportation card through a messenger-based online account banking according to an embodiment of the present invention.

100: wireless terminal 105: messenger server

110: banking server 115: control unit

120: wireless messenger unit 125: charging unit

130: transmission unit 135: confirmation unit

140: payment program driver 145: screen output unit

150: sound processing unit 155: key input unit

160: battery 165: memory

170: wireless processing unit 172: IC chip reader unit

175: IC chip 180: input and output interface

182: processor unit 185: chip memory unit

190: Prepaid traffic card storage information 192: Processing unit

195: storage unit

The present invention provides a wireless terminal device having a prepaid transit card function and a payment processing function, wherein a confirmation unit for checking a balance of a prepaid transit card and a balance of the checked prepaid transit card are less than a predetermined amount, A wireless terminal having a prepaid traffic card automatic charging function having a payment program driver for automatically driving a predetermined payment program and a charging unit for automatically charging a balance of the prepaid traffic card by a predetermined amount through the driven payment program. Relates to a device.

Due to the continuous development of information and communication technology, various non-face-to-face financial transaction channels that process various financial transactions online based on the real name of the customer have been activated, and recently, based on the online account (non-real name account) registered by the customer online As such, online financial trading channels, which handle various financial transactions, are increasingly commercialized.

On the other hand, most of the financial transactions through the online account (non-real name account) are mainly used in the field of account transfer and payment, since the use of other financial means other than the online account (non-real name account) is active, the online Financial transactions through accounts (non-real name accounts) contain difficulties that are difficult to fill and activate the gap.

An object of the present invention for solving the above problems, the function to check the balance of the prepaid transportation card, and if the balance of the confirmed prepaid transportation card is less than a predetermined amount, the balance of the prepaid transportation card A computer-readable recording medium having recorded thereon a program for executing a function of automatically charging an amount of money and transmitting the automatically charged amount information to a server on a communication network.

In the wireless terminal device having a prepaid traffic card function and a payment processing function according to the present invention, the wireless terminal device with a prepaid traffic card automatic charging function, a confirmation unit for checking the balance of the prepaid traffic card; When the balance of the confirmed prepaid transit card is less than a predetermined amount, the balance of the prepaid transit card is automatically charged by a predetermined amount through a payment program driver for automatically driving a predetermined payment program and the driven payment program. It is characterized by comprising a charging unit.

The wireless terminal device with a prepaid traffic card automatic charging function according to the present invention is characterized by further comprising a transmission unit for transmitting the charge amount information by the charging unit to the server on the communication network.

On the other hand, the computer-readable recording medium according to the present invention, the function to check the balance of the prepaid transportation card, and if the balance of the confirmed prepaid transportation card is less than a predetermined amount, the balance of the prepaid transportation card And a program for executing a function of automatically charging a predetermined amount of money and transmitting the automatically charged amount information to a server on a communication network.

In the computer-readable recording medium according to the present invention, the program further comprises a function of outputting a predetermined warning sound when the balance of the checked prepaid transportation card is less than a predetermined amount.

Hereinafter, an operation principle of a preferred embodiment of the present invention will be described in detail with reference to the drawings and description corresponding to online account banking using a wireless messenger. 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 easy to understand the functions 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 embodiments 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's just

1 is a diagram showing the configuration of a wireless terminal 100 for automatic charging of a prepaid traffic card through messenger-based online account banking according to an embodiment of the present invention.

In more detail, Figure 1 illustrates a wireless terminal 100 for automatic charging of a prepaid transit card through the messenger-based online account banking in a wireless terminal 100 having a prepaid transit card and a wireless messenger with a banking function. As for the functional configuration, those of ordinary skill in the art to which the present invention pertains, the wireless terminal for automatic charging of prepaid transportation card through the messenger-based online account banking by referring to and / or modifying the present Figure 1 100) Various implementation methods for the functional configuration may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, FIG. 1 shows that the wireless terminal 100 having the prepaid traffic card automatic charging function through the messenger-based online account banking is code division multiple access (CDMA) / WCDMA (Wide CDMA) or HSDPA (High-Speed Downlink). Packet Access) will be described in detail the technical characteristics of the wireless terminal 100 with automatic prepaid traffic card charging through the messenger-based online account banking through the implementation method corresponding to the wireless terminal 100 connected to the wireless communication network based on However, the wireless terminal 100 is not limited to the wireless terminal 100 connected to the CDMA / WCDMA or HSDPA-based wireless communication network, and if the person of ordinary skill in the art to which the present invention belongs, this figure Another terminal device (e.g., IEEE 802.16x-based portable Internet terminal) for automatic prepaid transportation card charging through the messenger-based online account banking with reference to 1 and / or modified. And various implementation methods for the technical features of each terminal device can be inferred, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 1 according to an embodiment of the present invention, the wireless terminal 100 having a prepaid traffic card automatic charging function through a messenger-based online account banking may include a body and a speaker in terms of hardware. It includes a microphone, a keypad, a liquid crystal display (LCD), an antenna and a battery 160, and internally includes a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU) and a vocoder. Predetermined modem chips with built-in functions (e.g., MSM series modem chips from Qualcomm, USA), various memory devices, duplexer filters that separate transmission and reception signals from one antenna, and power amplifiers that amplify transmission signals , High Power Amplifier (HPA), Isolator to prevent high power transmission signal from reversed, RF / I to remove unwanted out-of-band unwanted signal F SAW filter, frequency up-conversion circuit of transmission path, frequency down-conversion circuit of receiving path, VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to reference clock source, UHF frequency synthesizer used as local signal of frequency up-down conversion And a codec chip for converting an analog voice signal into a digital signal, wherein such internal components are gradually integrated into the modem chip, and the modem chip includes mobile communication as described above. In addition to the core components for services, various functions for various multimedia services and / or additional services are integrated together.

Referring to FIG. 1, the wireless terminal 100 for automatically charging a prepaid traffic card through the messenger-based online account banking structurally corresponds to a control unit 115 corresponding to the modem chip and a liquid crystal display (LCD). A screen output unit 145, a sound processing unit 150 corresponding to a microphone / speaker, a key input unit 155 corresponding to a keypad, a wireless processing unit 170 corresponding to an antenna and various RF modules, and non-volatile A memory unit 165 corresponding to the memory and a battery 160 for supplying a predetermined power may be provided.

In addition, the wireless terminal 100 further includes a camera unit (not shown) that reads predetermined image information for providing various multimedia services and / or various additional services corresponding thereto, and / or a predetermined short range device. And a near field communication unit (not shown) for connecting a near field communication channel with each other.

In addition, the wireless terminal 100 is mounted on or detached from the wireless terminal 100 to provide various financial (or payment) services and / or various additional services corresponding thereto, and an IC having a prepaid transportation card. A chip 175 (e.g., a financial IC chip 175 or a USIM) and an IC chip 175 reader unit 172 for reading / writing predetermined information (or data) to the IC chip 175. It is preferable to further comprise.

The control unit 115 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory device. (Routine) and / or a bus (BUS) for inputting and outputting program data and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that the memory unit 165 and / or in software Generic term of program routines and / or program data loaded from the memory device (or chipset) into the execution memory and computed through the processor to perform specific functions (thus prepaid traffic via the messenger based online account banking). For convenience, a predetermined program routine recorded on the recording medium of the wireless terminal 100 for automatic card charging The program routine included in the controller 115 is basically an operating system routine (not shown) and at least one system management routine (eg, a power management routine, a channel). (Forward / reverse) management routine, handoff routine, etc.), and various functional configurations to be implemented in the wireless terminal 100 are realized by the controller 115. do.

According to the exemplary embodiment of the present invention, after power is supplied to the wireless terminal 100, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are stored in the control unit ( By loading into the execution memory included in 115 and arithmetic processing by the processor, the wireless terminal 100 converts the detailed system setting state, pilot channel acquisition detail state, synchronization channel acquisition detail state, and timing according to a predetermined booting procedure. The operation mode corresponding to the "mobile station initialization state" including the detailed state is set.

After performing the booting procedure, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are loaded into the execution memory included in the controller 115 and loaded into the processor. By the arithmetic processing, the wireless terminal 100 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state", and so on. Call Processing) procedure.

According to an embodiment of the present invention, the prepaid traffic card automatic charging function through the messenger-based online account banking may be performed through a predetermined key input in an operation mode in which the wireless terminal 100 corresponds to the "mobile station call waiting state". It is preferred to be disclosed (or realized).

The screen output unit 145 is a function configuration unit for checking the operation of each operation mode and the corresponding operation state of the wireless terminal 100, at least one including an LCD provided in the wireless terminal 100 And a screen output device and a driver for driving the screen output device, and output at least one key data input through the key input unit 155 in association with the control unit 115, and / Or output a menu screen, a function processing screen, and a function processing result screen corresponding to at least one or more functions (or programs) included in the wireless terminal 100, and / or are provided (or At least one content (eg, text content, image content, multimedia content) to be downloaded is output.

According to an exemplary embodiment of the present invention, the screen output unit 145 outputs a screen for outputting a menu screen, a function processing screen, and a function processing result screen corresponding to the prepaid traffic card automatic charging function through the messenger-based online account banking. It is desirable to perform the function of the means.

The sound processor 150 is a function component that processes input and output of sound in each operation mode of the wireless terminal 100. The sound processor 150 decodes at least one or more encoded sound data and is provided in the wireless terminal 100. And a vocoder and a codec for encoding and encoding a sound signal inputted through a microphone provided in the speaker and / or a microphone provided in the wireless terminal 100. .

According to an exemplary embodiment of the present invention, the sound processor 150 may provide a sound corresponding to a predetermined ring back tone through the speaker in an operation mode corresponding to the “system access state” among the operation modes of the wireless terminal 100. It is preferable to decode and output data, and / or to encode and input a predetermined voice signal through a microphone in an operation mode corresponding to the "call channel state", or to decode and output a predetermined voice signal through a speaker. .

In addition, the sound processor 150 reproduces at least one sound content and / or multimedia content provided (or downloaded) by the wireless terminal 100 in at least one operation mode including the "mobile station call waiting state." In this case, it is preferable to decode and output sound data corresponding to the reproduced content.

According to an embodiment of the present invention, the sound processor 150 preferably performs a function of sound output means for decoding and outputting sound data corresponding to the prepaid traffic card automatic charging function through the messenger-based online account banking. Do.

The key input unit 155 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. And a driver for driving the key input device, thereby detecting at least one key input signal generated by clicking (or entering) the key button in the key input device. It is characterized by.

According to the present invention, when a predetermined key input signal is detected from a predetermined key button provided in the key input device in a predetermined input mode and / or at least one or more operation modes controlled by the control unit 115, the key. The input unit 155 may generate predetermined key events (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the detected key input signal, and provide the generated key event to the controller 115. The controller 115 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 100 (eg, a specific key event in each input mode and / or operation mode). Read key data from the key table that stores (manages) at least one key data corresponding to the key event; and / or It characterized in that the command to execute the bit and the matching is defined predetermined function shipping dock.

According to the exemplary embodiment of the present invention, the key input unit 155 inputs a predetermined telephone number in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the wireless terminal 100, and inputs a predetermined " By inputting a "call" button, it is preferable to change the operation mode of the wireless terminal 100 to an operation mode corresponding to the "system access state".

In addition, the key input unit 155 inputs a predetermined function key (for example, a menu key) in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the wireless terminal 100, thereby allowing the wireless terminal 100 to enter. It is desirable to execute various functions provided in 100.

According to an embodiment of the present invention, the key input unit 155 may perform a function of key input means for inputting at least one key data corresponding to the prepaid traffic card automatic charging function through the messenger-based online account banking. desirable.

The wireless processor 170 is a functional component that connects a wireless channel with a base station on a mobile communication network operated by the wireless terminal 100 based on CDMA / WCDMA and / or HSDPA, and includes a CDMA modem and various RF modules (eg, Duplexer filter, power amplifier, high power amplifier (HPA), isolator, RF / IF SAW filter, frequency up circuit, frequency downconversion circuit, VCTCXO, UHF frequency synthesizer, etc.) And an antenna and a driver for driving the antenna, and in connection with the control unit 115, location registration and / or slot mode and / or corresponding to each operation mode of the wireless terminal 100. Power control and / or hand-off and / or call processing procedures may be performed.

According to an embodiment of the present invention, the wireless processing unit 170 is a radio frequency signal transmission and reception function corresponding to the prepaid traffic card automatic charging function through the messenger-based online account banking (eg, antenna control, radio frequency signal modulation, Synthesis, amplification and / or filtering).

In particular, the wireless processing unit 170 processes or processes information or signals transmitted from the wireless terminal 100 to the base station for the automatic prepaid transportation card charging through the messenger-based online account banking, or the base station. It is preferred to include a function for reading out a predetermined information or signal from the CDMA stack received from.

According to another embodiment of the present invention, if the wireless terminal 100 shown in FIG. 1 is a portable Internet terminal, the wireless processing unit 170 accesses the IEEE 802.16x based portable Internet and prepaid through the messenger based online account banking. It is possible to include a wireless communication function configuration for providing a predetermined portable Internet service for automatic transportation of the transportation card, and the present invention is not limited thereto.

The IC chip 175 reader unit 172 is an IC chip 175 mounted or detached from the wireless terminal 100 through the IC chip 175 standard including ISO / IEC 7816 and / or ISO / IEC 14443. (Eg, a financial IC chip 175 or a USIM) and a functional component for exchanging at least one or more information (or data or command), the contact IC card reader corresponding to the ISO / IEC 7816 standard, And / or a contactless IC card reader corresponding to the ISO / IEC 14443 standard, wherein the IC card reader has at least one information with the IC chip 175 through an application protocol data unit (APDU). (Or data, or command).

Referring to the standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 175 mounted or detached from the customer wireless terminal may include a power supply (VCC), a reset signal (RST), and a clock signal. Communication with the IC chip 175 reader 172 via contact points such as (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O) (e.g. command or data exchange, etc.) A processor unit 182 including an input / output interface 180, at least one computing element including a central processing unit (CPU), a micro process unit (MPU), and / or a coprocessor, and a ROM. It consists of a chip memory unit 185 consisting of at least one or more memory elements including (Read Only Memory), RAM (Random Access Memory), EEPROM (Electrically Erasable and Programmable Read Only Memory), FM (Flash Memory), etc. In particular, at least one of the memory devices (eg In the ROM, a chip operating system (COS) for managing and operating an IC card internal resource is stored, and the IC chip 175 reader unit (VCC) is connected through a power supply (VCC) contact point of the input / output interface 180. When a predetermined power is supplied from the 172, the COS stored in the chip memory unit 185 is loaded into a predetermined execution memory to control the overall operation of the IC chip 175, and the clock of the clock signal CLK contact point. Control information or data exchange between the IC chip 175 and the IC chip 175 reader unit 172 through an APDU (Application Protocol Data Unit) based on a frequency (eg, 3.57 MHz or 4.9 MHz).

According to the present invention, the chip memory unit 185 of the IC chip 175 is characterized in that the prepaid traffic card storage information 190 for automatic prepaid traffic card charging through messenger-based online account banking is stored and The prepaid transportation card storage information 190 may include a storage unit 195 for storing a data set corresponding to predetermined information or data that is read and / or used by a processor included in a customer wireless terminal; A program routine (for example, Javacard in case of Javacard) that is driven or executed by the operation function of the processor unit 182 and the instruction set provided by the COS, and used by the processor included in the customer wireless terminal. Applet (JAVA Applet), including the instruction call code that interacts with the instruction set of the COS, and the execution code that is processed by the processor unit 182. A processing unit 192 corresponding to a true application is provided. In particular, the processing unit 192 reads an instruction provided from a processor provided in the customer wireless terminal through the input / output interface 180 through an APDU, and reads the read command. Read or record at least one or more information or data stored in the storage unit 195 based on a command, and as a result, the result or read information or data via the APDU via the input / output interface 180 and the customer wireless data. It is characterized by providing a processor provided in the terminal.

According to a preferred embodiment of the present invention, the chip memory unit 185 of the IC chip 175 includes a security structure based on ISO / IEC 10202. Accordingly, the chip memory unit 185 may include a CSN ( And a protection area for storing secret information such as a Chip Serial Number), a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area. Pre-paid traffic card storage information 190 is preferably stored in an area excluding the protection area and the COS control area.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the chip memory unit 185 may include one master file (MF) corresponding to a root file, and the master file. ATR (Answer To Reset) including function information on at least one stored information at a lower portion, at least one dedicated file (DF) corresponding to each ICC stored information, and disposed below the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for the smart card service, the prepaid transport card storage information 190 for the present invention is also a file as described above Including the structure.

The memory unit 165 may correspond to a storage medium for storing at least one or more information (or data) in the wireless terminal 100 and / or a recording medium for recording a program code corresponding to at least one or more program routines. The generic term for volatile memory includes read only memory (ROM) corresponding to the read-only memory, flash memory (FM), electrically erasable and programmable read only memory (EEPROM), and the like. It is characterized by.

According to an embodiment of the present invention, the ROM information of the nonvolatile memory is not to be stored, and the flash memory is provided through an operating system routine, a call processing program routine, and / or the wireless terminal 100. Various application program routines and information or data for the same are stored, and the EEPROM is extracted and / or generated during the execution of the application included in the terminal registration related parameters and phone number (eg, address book) or the wireless terminal 100. Preferably at least one or more information (or data) is stored.

The memory unit 165 is configured to store automatic charge setting amount information corresponding to a condition for automatically charging the prepaid transit card through the messenger-based online account banking, and the balance of the prepaid transit card is automatically stored. If less than the charge set amount information, it is preferable to automatically charge the prepaid transportation card through the messenger-based online account banking.

In addition, the memory unit 165, when the balance of the prepaid traffic card, the amount of automatic charge amount corresponding to the amount of automatic charge to the prepaid traffic card through the messenger-based online account banking, characterized in that for storing do.

Referring to FIG. 1, the wireless terminal 100 connects a messenger communication channel with at least one or more other wireless terminals 100 in association with a messenger server 105 on a communication network, and connects a virtual account (or a prepaid card type new device). And a wireless messenger unit 120 having a financial transaction function using an online account.

The wireless messenger unit 120 is connected to the messenger server 105 on a communication network in association with the wireless processing unit 170, and at least one or more other units provided with the wireless messenger unit 120 through the messenger server 105. And a messenger communication channel connected to the wireless terminal 100 and at least one messenger function (eg, chat, file transfer, message transfer, etc.) using the messenger communication channel in connection with the screen output unit 145. And outputting a messenger interface screen corresponding thereto.

In addition, the wireless messenger 120 connects to the banking server 110 associated with the messenger server 105 and the online account in the form of a virtual account (or a prepaid card type new account) in association with the wireless processor 170. A financial transaction channel for providing a financial transaction function (eg, online account inquiry, bank transfer, utility bill payment, online payment, etc.) that is used is processed through the financial transaction channel in connection with the screen output unit 145. And outputting a banking interface screen including an online account-based banking interface.

Referring to FIG. 1, the wireless terminal 100 for automatically charging a prepaid traffic card through the messenger-based online account banking may store the prepaid traffic card storage information on the IC chip 175 in association with the IC card reader. Checking unit 135 for checking the balance of the prepaid traffic card corresponding to the 190 and, if the balance of the confirmed prepaid traffic card is less than a predetermined amount, the payment program comprising the wireless messenger 120 And a charging unit 125 for automatically charging a payment program driver 140 for automatically driving the balance of the prepaid transportation card by a predetermined amount in association with the driven wireless messenger 120. And a transmission unit 130 for transmitting the charge amount information by the charging unit 125 to a server on a communication network in association with the wireless messenger unit 120. It is done.

According to an exemplary embodiment of the present invention, the verification unit 135, in connection with the IC card reader unit when paying for the traffic charges using the prepaid traffic card, prepaid traffic card storage information on the IC chip 175 ( It is characterized in that the balance of the prepaid traffic card corresponding to the check 190, and checks whether the balance of the confirmed prepaid traffic card is less than the automatic charge setting amount information in connection with the memory unit 165. It is done.

According to another exemplary embodiment of the present invention, the identification unit 135 stores prepaid traffic card storage information 190 on the IC chip 175 in connection with the IC card reader unit when using the messenger service using the wireless messenger. Characterized in that the balance of the prepaid traffic card corresponding to the), and checks whether the balance of the confirmed prepaid traffic card is less than the automatic charge setting amount information in connection with the memory unit 165 do.

According to another exemplary embodiment of the present invention, the identification unit 135 is linked to the IC card reader unit at regular intervals to correspond to the prepaid transportation card storage information 190 on the IC chip 175. Characterized in that it checks the balance of the traffic card, characterized in that it checks whether the balance of the confirmed prepaid traffic card is less than the automatic charge setting amount information in connection with the memory unit 165.

If the balance of the prepaid transit card is less than the automatic charge setting amount information, the verification unit 135 may further include a function of outputting a predetermined warning sound in association with the sound processing unit 150. Do.

If the balance of the prepaid transit card is less than the automatic charge setting amount information, the verification unit 135 connects the autocharge amount to the balance of the prepaid transit card in connection with the screen output unit 145. Preferably, the method further includes a function of confirming customer approval for automatic charging.

If the balance of the prepaid transit card is less than the automatic charge setting amount information, the payment program driver 140 may correspond to the wireless messenger unit 120 corresponding to the payment program having the messenger-based online account banking function. It characterized in that the automatic drive.

When the wireless messenger unit 120 corresponding to the payment program having the messenger-based online account banking function is driven, the charging unit 125 checks the automatic charge amount information in association with the memory unit 165, The automatic charging amount is automatically charged to the prepaid traffic card in connection with the driven wireless messenger 120.

The charging unit 125 executes a messenger-based online account banking function in connection with the wireless messenger unit 120, and the online account banking function of the customer in connection with the banking server 110 connected to the wireless messenger unit 120. Among the withdrawal transaction (or bank transfer, or payment processing) function is characterized in that performing a financial transaction to withdraw the automatic charging amount from the online account, wherein the financial transaction corresponding to the automatic charging function is automatically In order to process, the memory unit 165 preferably further stores and stores transaction authentication information for the online account.

When the financial transaction for the automatic charging of the prepaid transit card is processed, the charging unit 125 connects the IC card 175 with the reader unit 172 to convert the withdrawn amount to the prepaid transit card. By balancing the storage unit 195 of the prepaid traffic card storage information 190 on the chip 175, the prepaid traffic card is characterized in that the automatic charge amount is automatically charged.

When the automatic charging amount is automatically charged to the prepaid transportation card by the charging unit 125, the transmission unit 130 is automatically charged by the charging unit 125 in association with the wireless messenger unit 120. The amount of money information is transmitted to the messenger server 105 (or the banking server 110, or the server managing the charge amount) on the communication network.

2 is a diagram illustrating an online account registration system including a prepaid traffic card automatic charging function through wireless messenger based online account banking according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates an online account for allowing a customer terminal 275 to process non-face-to-face financial transactions based on an online account using a wireless messenger provided in the wireless terminal illustrated in FIG. When the online account application information is provided to the web server, the web server provides the online account application information provided from the customer terminal 275 to a predetermined information processing server 240 provided at a predetermined financial institution, thereby processing the information. The system is configured to open an online account corresponding to the online account application information in the server 240. Specifically, the mother account includes a real account in which the online account is operated by a predetermined web server operating institution (or financial institution). A system configuration for opening an online account in the form of a virtual account is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing, and the online account in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as a parent account. In addition, the implementation method for the system for registering various types of online accounts may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to an embodiment of a system for registering an online account in the form of a pseudo-new account in which a rechargeable prepaid card concept is introduced by referring to and / or modifying the present invention. 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. 2 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 operated by the web server operating institution (or a financial institution) as a parent account is provided. Real-name verification (e.g., financial real-name verification by the Act on the Real-name Financial Transactions and Confidentiality Act and Simultaneous Enforcement Decree (Presidential Decree No. 15744)) A client terminal 275 for requesting (or opening) the online account and providing predetermined online account application information corresponding to the online account registration (or opening) to the web server, and the client terminal 275; Is connected via a predetermined communication network to receive predetermined online account application information from the customer terminal 275, and receive the received online account application information from a predetermined financial institution. A web server provided to the provided information processing server 240 and connected to the web server through a predetermined communication means to receive the online account application information from the web server, based on the received online account application information. It is provided with an information processing server 240 for processing and opening an online account corresponding to the online account application information in the name of the customer under a new provision, and a financial system for operating the online account processed in 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 at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 275 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. It connects to a server and receives various application services provided by the web server.

Here, the wired terminal connected to the wired communication network among the customer terminals 275 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server is a search service including at least one information / content to a customer terminal 275 including at least one of the wired terminal and / or the wireless terminal via the wired communication network and / or the wireless communication network, and / or mini It is preferable to include a portal server and / or a search server that provides a personalization service including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services.

According to the present invention, the information providing service provided by the web server to the customer terminal 275 includes at least one or more financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). It characterized in that it comprises a, 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.

The web server may further include at least one user interface for the customer to apply (or purchase) the financial product (eg, the online account) through a communication network including the wired communication network and / or a wireless communication network. 275, wherein the customer terminal 275 inputs (or selects) the predetermined online account application information through the user interface to provide a communication network including the wired communication network and / or a wireless communication network. Characterized in that the transmission to the web server through.

To this end, the client terminal 275 outputs at least one user interface provided from the web server, inputs and / or selects at least one online account application information through the user interface, and transmits the same to the web server. It is preferable that a function configuration (for example, a browser program and communication function, or a predetermined communication program and communication function to communicate with the web server, etc.) is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from a web server as described above, and input and / or select at least one online account application information through the user interface. Since it is possible to easily infer the characteristics of the customer terminal 275 corresponding to at least one wired terminal and / or wireless terminal to be transmitted to the web server, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server is characterized in that it comprises an interface unit 205 for connecting and managing a predetermined communication channel with the customer terminal 275 through the communication network.

According to an embodiment of the present invention, when the customer terminal 275 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 205 may include the wired network and / Or at least one or more information by connecting a predetermined communication channel with the customer terminal 275 based on the protocol stack defined in the wireless network, and using a communication protocol defined in the communication program provided in the customer terminal 275 It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 275, the interface unit 205 may be connected to the client terminal 275 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 275 is provided with a communication program provided by the web server, the interface unit 205 connects a communication channel with the customer terminal 275 based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 275 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 205 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 275 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 275. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 275, the interface unit 205 may use the CDMA protocol based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 2, the web server is connected to the interface unit 205 when a predetermined client terminal 275 connects to the web server and / or applies for an online account through the interface unit 205. The user terminal 275 is generated by generating a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) for the terminal 275 to input (or select) and transmit predetermined online account application information. Information for receiving predetermined online account application information that is input (or selected) and transmitted from the client terminal 275 through the user interface in cooperation with the interface providing unit 210 and the interface unit 205. And a receiving unit 245 and an information storage unit 230 for providing the received online account application information to an information processing server 240 provided in a financial institution through a predetermined communication means. It is characterized by.

In addition, the web server is connected to the interface unit 205, at least one or more customer terminals 275, a search service including at least one or more information / content, and / or a personalization service including a mini homepage / blog, and And / or a web service unit 215 for providing a web-based service including at least one or more mail services, and / or messenger services, and / or various information providing services. Those skilled in the art will be familiar with how the web server provides the web-based service to at least one customer terminal 275 to perform the functions of a portal server and / or a search server. Detailed description thereof will be omitted for convenience.

In addition, the web server includes the online account application information received from the customer terminal 275 through the information receiving unit 220 for the post-management of the online account application information received through the information receiving unit 220. Or an information storage unit for storing online account issuance information including at least one or more online account information generated by the information processing server 240 based on the online account application information in a predetermined storage medium 235 ( And 225), wherein the online account issuance information includes online account security information, false new processing agreement information (or false new application information), and virtual account processing information received from the customer terminal 275. At least one or more non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), etc. It is preferred.

The interface providing unit 210 corresponds to a functional configuration provided in the customer terminal 275 when a predetermined customer terminal 275 connects to the web server and / or applies for an online account through the interface unit 205. Input (or select) the online account application information to generate a predetermined user interface which can be transmitted to the web server via the communication network, and / or extract from a predetermined database (not shown), and the interface unit ( In operation 205, the user interface 275 may be provided to the customer terminal 275 through the communication network. The user interface generated (or extracted from a predetermined web source D / B (not shown)) may be provided.

Thereafter, the customer terminal 275 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 web server through the communication network. .

According to an exemplary embodiment of the present invention, when the customer terminal 275 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 210 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B (not shown) through the interface unit 205. It is desirable to provide the user interface 275 extracted from the customer terminal 275.

According to another exemplary embodiment of the present invention, when the customer terminal 275 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 210 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 205. It is preferable to provide a user interface extracted from the) to the customer terminal (275).

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined online account application information from the client terminal 275 in the web server may include at least one of the at least one online account product (or financial product). It preferably comprises an interface for the customer to select at least one or more online account products (or financial instruments) to apply (or purchase).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 275 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And an interface for outputting online account product detailed information such as expected return information to the customer terminal 275 and confirming that the customer has confirmed the online account product detailed information.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 275, 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, and the amount of money. And an interface for inputting predetermined financial account information (e.g., original account information for depositing a predetermined amount of money into the online account) deposited into the online account.

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

Thereafter, the customer terminal 275 includes online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the online account request customer to the web server through the communication network. send.

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, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 275, the customer terminal 275 may input (or select) online account security information through the interface. Afterwards, the input (or selected) online account security information is transmitted to the web server through the communication network, or the online account application information further includes the online account security information to the web server through the communication network. do.

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

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. Outputs provisional terms and conditions and provisional processing period information (e.g., the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) to the customer terminal 275. Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provision period information is included in the provisional information corresponding to the online account product, the provisional provisional provision information and provisional provisional processing period information are output to the customer terminal 275, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 275 is provided, the customer terminal 275 receives the provisional processing agreement information ( Or enter (or select) the provisional application information) and transmit the entered (or selection) provisional processing agreement information (or provisional application information) to the web server through the communication network, or to the online account. The application information further includes the provisional processing agreement information (or provisional application information) and is transmitted to the web server through the communication network.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may be configured to operate an online account corresponding to the online account application information at the web server operating institution (or financial institution). In order to open an account in the form of a virtual account, the mother account includes at least one web server operating institution (or a financial institution), including the mother account information, and the mother account information corresponding to the real account operating in the mother account management institution Preferably, the interface further comprises an interface for inputting (or selecting) virtual account processing information.

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 customer terminal 275, the customer terminal 275 receives the virtual account processing information through the interface. After inputting (or selecting), the inputted (or selected) virtual account processing information is transmitted to the web server through the communication network or the online account application information further includes the virtual account processing information in the communication network. Send to the web server through.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 275) 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. If you are a financial transaction customer of a financial institution, the above interface may be omitted. Or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms 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 actual process for the online account product, the customer returns to the financial institution. The interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 275, the customer terminal 275 inputs (or selects) the financial transaction application information through the interface, and then, Send the input (or selected) financial transaction application information to the web server through the communication network, or further include the financial transaction application information (not shown) in the online account application information to the web server through the communication network. In FIG. 2, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the user interface for inputting (or selecting) the online account application information is connected to the financial institution via the customer terminal 275. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel The non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

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

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided to the client terminal 275, the customer terminal 275 receives the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server through the communication network.

When the customer terminal 275 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the communication network, the information receiving unit 220 cooperates with the interface unit 205 to provide the online information. Characterized in that it receives the account application information, and provides the received online account application information to the information storage unit 230 and / or information storage unit 225.

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 customer terminal 275 inputs (or selects) predetermined online account security information through the user interface and transmits it through the communication network, or the online terminal security information is transmitted from the customer terminal 275 to the online terminal. When the transmission is included in the account request information, the information receiver 220 receives the online account security information in conjunction with the interface unit 205, and the received online account security information is stored in the information storage unit. And to the information storage unit 225.

In addition, the customer terminal 275 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the communication network, or at the customer terminal 275. If the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiver 220 interoperates with the interface unit 205 and the provisional processing agreement information (or trailing information). Rule application information), and provides the received provisional processing agreement information (or provisional application information) to the information storage unit 230 and / or the information storage unit 225.

In addition, the client terminal 275 inputs (or selects) virtual account processing information including the mother account operating institution information and the mother account information through the user interface, and transmits the information through the communication network, or the client terminal 275. In the case that the virtual account processing information is transmitted to the online account request information, the information receiving unit 220 is linked with the interface unit 205, the 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 storage unit 230 and / or the information storage unit 225.

In addition, the client terminal 275 inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the communication network, or the financial terminal application information is transmitted online from the customer terminal 275. When the transmission is included in the account application information, the information receiver 220 receives the financial transaction application information in conjunction with the interface unit 205, and the received financial transaction application information, the information storage unit And to the information storage unit 225.

In addition, the client terminal 275 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 communication network, or the customer 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 275), the information receiving unit 220 interoperates with the interface unit 205 to transmit the non-face-to-face financial transaction agreement information. And receiving 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 storage unit 230 and / or The information storage unit 225 is provided.

The information storage unit 225 stores the online account application information received through the information receiving unit 220 in a predetermined storage medium 235 including the online account issuing information, thereby storing the web. The server (or web 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 235.

When the online account security information is received through the information receiving unit 220, the information storage unit 225 stores the online account issuing information obtained by linking the online account security information to the online account request information in the storage medium 235. The online account security information is used to authenticate at least one financial transaction using the online account at the web server (or a financial transaction server using the online account).

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 220, the information storage unit 225 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuance information linked to the information in the storage medium 235, wherein the provisional processing agreement information (or provisional application information) is stored in the web server (or the financial account using the online account). Transaction server) 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 virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 220, the information storage unit 225 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 235, the virtual account processing information is the web server (or financial transaction server using the online account) until the financial real name verification for the online account It provides a basis for processing at least one or more financial transactions using an online account based on a virtual account whose parent account is the real account operated by the web server operating institution (or financial institution).

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 220, the information storage unit 225 may transmit the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 235, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored on the web. A server (or a financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the implementation method of the present invention, the information storage unit 225, when the predetermined online account corresponding to the online account application information is opened by the information processing server 240, the web server (or the online account) In addition, the online account information opened by the information processing server 240 to process at least one or more financial transactions using the online account in the online transaction issuing information, the storage medium 235 ) Or replace the online account application information included in the online account issuance information with the online account information opened by the information processing server 240, and 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 250 and the virtual account processing unit 255 of the information processing server 240 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server operating institution information and the financial institution information that the online account is opened.

The information storage unit 230 stores the online account application information received through the information receiving unit 220 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 240 provided in the financial institution (opened).

Here, the communication means for connecting the web server and the information processing server 240, a dedicated communication network that blocks access by a third party other than the web server and the information processing server 240, and / or the web server and information processing Secure communication network (for example, a web server encrypts the online account application information by a predetermined encryption method to provide a secure communication function between the server 240 and transmits to the information processing server 240, the information processing server 240) Preferably includes a communication network for decrypting the online account application information through a decryption method corresponding to the encryption method.

When the online account security information is received through the information receiver 220, the information storage unit 230 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying to the information processing server 240 provided at the financial institution, where the online account corresponding to the product is opened, whereby the information processing server 240 transmits the web to the financial system provided at the financial institution. A server 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 220, the information storage unit 230 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying to the information processing server 240 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened) through the means, thereby processing the information. The server 240 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 220, the information storage unit 230 corresponds to the online account product through the predetermined communication means (for example, the online transaction). It is characterized in that the transmission to the information processing server 240 provided in the financial institution (in which an online account corresponding to the account product is opened), whereby the information processing server 240 is the online account application customer Although not a conventional customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 220, the information storage unit 230 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 240 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 operated by the web server operating institution (or a financial institution) 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 receiver 220, the information storage unit 230 may request 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 240 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 240 opens an online account in a non-face-to-face financial transaction using the online account in the web server in the financial system provided in the financial institution.

According to another embodiment of the present invention, when the information processing server 240 is provided with a web server function, and / or the information processing server 240 is a predetermined banking server, the information storage unit 230 is By linking and relaying the customer terminal 275 and the information processing server 240, the online processing request information (and / or provisional processing agreement information) from the customer terminal 275 in the information processing server 240. (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). It is possible to relay directly to provide a predetermined user interface for receiving a), whereby the information processing server 240 to apply for the online account from the customer terminal 275 through a predetermined communication network Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreements). It is possible to directly receive information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server and the information processing server 240 may be relayed between the web server and the information processing server 240 and / or at least one or more web servers may be used. It is possible to further include a predetermined relay server (not shown) for relaying the information processing server 240 and / or relaying at least one or more web servers and at least one or more information processing servers 240. The invention is not limited.

Referring to FIG. 2, the information processing server 240 may provide online account application information (and / or provisional processing consent information (or provisional application information)) and / or online provided from the web server through the communication means. An information receiver 245 for receiving account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); And a new establishment section 250 for opening a new online account corresponding to the online account application information received through the information receiving unit 245 in association with a financial system of the above; A virtual account processor 255 for processing a real account operated by a web server operating institution (or a financial institution) in the form of a virtual account, and the online account of the virtual account type; Whether the real name of the financial transaction request customer for the online account opened with the new account in response to the online account application information and the real name of the financial transaction application customer managed before the real name verification for the applied customer is confirmed within a predetermined real name verification period; The real name confirmation unit 265 confirms and a new account for processing the online account opened as a new financial account when the real name for the online account opened as a new provision is confirmed in response to the online account application information. It is characterized by comprising a processing unit 270.

The information receiving unit 245 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or provided from the web server through the communication means. Receiving 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 receiving the received online account application information (and / or Or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-facing financial transaction information). Face-to-face financial transaction application information)) is provided to the provisional provisions 250.

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 provided from the web server according to one embodiment of the present invention) The information, and / or the virtual account processing information, and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), is encrypted. Or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-facing financial transaction information). It is preferable to further comprise a function for decrypting the face-to-face financial transaction application information)).

The new establishment section 250 is the online account application information (and / or new provision processing agreement information (or new provision application information), and / or online account security information from the web server via the information receiving unit 245) 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), provided that the online account application information (and / or False processing consent information (or false application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face) Financial transaction application information) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or through a predetermined financial system). Melting trading characterized by opening an online account corresponding to the application information, and / or virtual account management information, and / or non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information)), as the trail rules.

Here, the provisional opening section 250 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

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

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

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, 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 250 is the online account application information (and / or provisional processing agreement information (or provisional application information), and / or online account security information received through the web server, and And / or external systems and / or information provided in the financial system based on 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). A procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in conjunction with an account is performed, and the result is provided to the virtual account processor 255.

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 255 is a virtual account that uses the online account (or online account ledger) opened by the temporary opening unit 250 as a parent account to operate the real account in the web server operating institution (or financial institution). Characterized in that the processing.

According to an embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as the parent account is the conventional virtual account ledger information. Real account ledger information 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 (for example, ledger information including an account number that conforms to an account number system corresponding to the real account). It is preferably made, including, it is preferable to be processed in the form of a virtual account with a real account operated by the web server operating institution (or financial institution) before the real name verification for the online account.

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as a parent account is the web server operating institution. (Or a financial institution) may include virtual account ledger information (eg, ledger information including account numbers conforming to the virtual account numbering system) whose real account is operated by a financial institution, and in this case, finance for the online account. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (e.g., ledger information including an account number conforming to an account number system corresponding to a real account) when real name is confirmed. It is not limited.

Thereafter, the new provision management unit 260 is a virtual account using a real account operated by the web server operating institution (or a financial institution) until the real name confirmation for the online account application customer opened the online account established as the new provision. It is characterized by operating by processing.

According to the implementation method of the present invention, the provisional management unit 260 is treated as depositing the deposit amount into 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 260 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 for the amount deposited in the online account is calculated through the financial system, the provisional management unit 260 manages a real account for operating the interest in the web server operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form.

As described above, by processing the online account as a virtual account of the real account managed by the web server operating institution (or financial institution) as a parent account, the new provision management unit 260 is a financial real name transaction and To prevent violations of the Secret Security Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 265 is the law and concurrent orders on the financial real name transaction and confidentiality while the online account opened by the new provision establishment unit 250 is managed by the new provision management unit 260 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 265 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account applying customer in the institution), the real name verification unit 265 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the 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 265 is responsible for the online account verification 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 265 may use 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 the implementation method of the present invention, the real name verification unit 265 is provided in the financial system (or provided in the financial institution) to confirm the real name for the online account application customer 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 265 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 265 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 265 generates the real name verification information for the online account application customer and provides it to the new account processing unit 270. 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 265 generates unidentified name information of the online account request customer to generate the new account processor 270. To provide.

When real name verification information is provided from the real name verification unit 265, the real name confirmation information including the confirmed name of the customer for the online account application within the real name verification period, the new account processing unit 270 is connected to the financial system The online account processed as a new provision by the new provision opening unit 250 and / or the new provision management unit 260 may be treated as a valid new financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 265, the real name confirmation information including that the real name for the on-line account request customer is confirmed, the new account processing unit 270 Is valid for all financial transactions on the online account processed by the new provision opening unit 250 and / or the new provision management unit 260 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when 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 270 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 270 withdraws (or re-transfers) the amount deposited in the withdrawal virtual account to the online account in connection with the external and / or information systems provided in the financial system. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed into an account, the new account processing unit 270 is an external system provided in the financial system and / or Or canceling 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 providing (or erasing) 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 270 processes the online account as a valid new financial account capable of all financial transactions, the online account opening date is set by the information receiving unit 245 from the web server. Online account application information (and / or false processing 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 The date of receiving financial transaction agreement information (or non-face-to-face financial transaction application information), or the date of the opening of the online account on the financial system by the new provision opening unit 250 as a new provision. Retrospective application is preferred.

3 is a diagram illustrating the configuration of online account ledger information including a prepaid traffic card automatic charging function through wireless messenger based online account banking according to an embodiment of the present invention.

In more detail, Figure 3 is a mother account of the real account of the web server operating institution (or financial institution) to the ledger information stored in the predetermined ledger D / B 300 provided in the DBMS on the financial system shown in Figure 2 The online account ledger information is stored in the virtual account ledger according to the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify the present invention. It is possible to infer various information configuration methods for storing online account ledger information according to the virtual account ledger information in the virtual account ledger with the real account of the web server operating institution (or financial institution) in the ledger D / B As will be appreciated, the present invention includes all the inferred 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 provided in the DBMS on the financial system D / 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. The.

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

According to an embodiment of the present invention, through the online account registration system shown in Figure 2, the customer for the online account registration in the form of a virtual account associated with the parent account which is the real account of the web server operating institution (or financial institution) The ledger stores information on a web server operating institution (or financial institution) customer ledger using the web server operating institution (or financial institution) as a financial transaction customer, and stores the web server through the online account registration system shown in FIG. It is preferable to store online account customer ledger information in which an online account in the form of a virtual account associated with a mother account which is a real account of an operating institution (or a financial institution) is registered.

Here, the web server operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above. When the customer ledger of a customer who opens the online account is provided in the ledger D / B 300 as a financial transaction customer, 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, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or 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 web server operating institution (or financial institution) is relationally associated with the customer ledger of the web server operating institution (or financial institution), and the web server operation. At least one of the financial accounts of the institution (or financial institution) preferably corresponds 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 web server operating institution (or financial institution), 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. It is preferred to be connected relationally.

The virtual account ledger corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 2 among at least one financial account corresponding to the web server operating institution (or financial institution). The account ledger is connected in a relational form, wherein the virtual account ledger information includes an information structure including the mother account number and the mother account operating institution information in basic account ledger information such as the account ledger. It is done.

That is, as shown in FIG. 3, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the virtual account ledger information associated with the account ledger of the web server operating institution (or financial institution), and the virtual account Since it is possible to infer an online account ledger information configuration that follows the ledger information configuration, a detailed description thereof will be omitted for convenience.

4 is a diagram illustrating the configuration of online account ledger information including a prepaid traffic card automatic charging function through wireless messenger based online account banking according to another embodiment of the present invention.

In more detail, Figure 4 is a web server operating the predetermined online account ledger stored in the predetermined ledger D / B 400 provided in the DBMS on the financial system shown in Figure 2 through the predetermined virtual account processing information Information structure for linking a real account of an institution (or a financial institution) in the form of 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. Infers a variety of information configuration methods for linking a predetermined online account ledger to the ledger D / B through a virtual account processing information in the form of a virtual account of the web server operating institution (or financial institution) as a parent account As will be appreciated, the present invention 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 it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) 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.

Here, the web server operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above. When the customer ledger of the customer who opens the online account is provided in the ledger D / B 400 as a financial transaction customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date and the number of shares, and / or a prize. 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 web server operating institution (or financial institution) is relationally associated with the customer ledger of the web server operating institution (or financial institution), and the web server operation. At least one of the financial accounts of the institution (or financial institution) preferably corresponds to the parent account for processing the online account registered through the online account registration system shown in FIG. 2 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 2 among the account ledgers of the web server operating institution (or financial institution) is treated as the virtual account. It is desirable to be associated with online account ledgers.

The online ledger includes the same basic ledger information as the ledger, and includes a mother account for processing the online account as a virtual account among the online account number and the financial account of the web server operating institution (or financial institution). The virtual account processing information including at least one of the parent account number corresponding to the at least one of the parent account management information (for example, Web server operating institution (or financial institution) information) by including as additional information, the online account to the The virtual account of the web server operating institution (or financial institution) is processed as a virtual account, wherein the virtual account processing information is received from the customer terminal 275 on the online account registration system shown in FIG. It is preferable to match the received online account application information and the virtual account processing information.

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

The mother account number of the virtual account processing information is the account number of the financial account (or real account) corresponding to the mother account for processing the online account as a virtual account among the account numbers of the web server operating institution (or financial institution) name. It is preferable to comprise.

It is preferable that the mother account operating institution information of the virtual account processing information includes the web server operating institution (or financial institution) information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, the online ledger associated with the account ledger of the web server operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

5 is a diagram illustrating the configuration of online account ledger information including a prepaid traffic card automatic charging function through wireless messenger based online account banking according to another embodiment of the present invention.

In more detail, FIG. 5 shows a predetermined virtual account as shown in FIG. 4 in a predetermined online account ledger stored in a predetermined ledger D / B 500 provided in a DBMS on the financial system shown in FIG. Through the processing information, the real account of the web server operating institution (or financial institution) is linked in the form of a virtual account as a parent account, and further linkage processing of the new processing information for processing a predetermined hidden account in the online account ledger. As shown in the information structure, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 5, and a predetermined online account ledger is assigned to the ledger D / B. By integrating a real account of the web server operating institution (or financial institution) in the form of a virtual account through the inference of various information configuration methods to process as a new account through Would be, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

Referring to FIG. 5 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 500 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

Here, the web server operating institution (or financial institution) 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 of the financial institution When the customer ledger of the customer who opens the online account is provided in the ledger D / B 500 as a conventional financial transaction customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 2 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 250 and / or provisional management unit 260 of the information processing server 240 shown in FIG. 2 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 stored in association with additional information corresponding to the online account ledger, and the new provision processing information is received online from a customer terminal 275 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 account ledger is provided in the form of a virtual account, as shown in FIG. 2, the provisional processing agreement information (or 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 (500), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

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

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

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

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

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

In more detail, in FIG. 6, when the web server illustrated in FIG. 2 provides a predetermined online account request user interface to the customer terminal 275, the user terminal 275 selects a predetermined online account request user interface through the online account request user interface. An information processing server provided with the financial institution by inputting (or selecting) online account application information to the web server through a predetermined communication network, and providing the online account application information through the predetermined communication means in the web server; 240, a person having ordinary skill in the art to which the present invention pertains refers to the information processing server through the web server in the customer terminal 275 by referring to and / or modifying the present invention. While it may be possible to infer various implementation methods for providing the online account application information at 240, the present invention may infer the implementation methods inferred. Both are included and are not limited by the implementation method shown in FIG.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 275 to the web server. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to the online account application information in the customer terminal 275 in response to the user interface provided to the customer terminal 275, the provisional processing agreement information (or provisional application information), and / or the online account security information, and / Alternatively, it may be possible to infer a method of providing 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), but the present invention provides the above client terminal. At 275 the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or Processing the account information, and / or a non-face-to-face financial transaction agreement information includes exemplary method for providing (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention belongs, the online account application information (in the web server corresponding to the security function provided in the communication means for connecting the web server and the information processing server 240) And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)), and transmits the information to the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / or the online account. Infer a method of decrypting 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). As will be appreciated, the present invention includes the inferred method of implementation, and the present invention is not limited thereto.

Referring to FIG. 6, the customer terminal 275 illustrated in FIG. 2 connects to the web server 600 through a communication network including at least one wired communication network and / or a wireless communication network (600), which is provided by the web server. At least one web-based service is used (605), and the web-based service screen provided from the web server to the customer terminal 275 requests a predetermined online account request user interface for registering the rechargeable online account. It is preferable that a menu interface is included.

Thus, while the web server provides at least one web-based service to the customer terminal 275 as described above, the online account request user interface is used to register the online account from the customer terminal 275. Periodically check whether the account request user interface is requested (610), if the financial product request interface is requested from the customer terminal (275) (615), the web server is predetermined to provide to the customer terminal (275) An online account subscription user interface is generated (or extracted from a predetermined web source D / B (not shown)) (620), and the online account subscription user interface is provided to the mobile terminal through the communication network (625).

Thereafter, the customer terminal 275 inputs (or selects) predetermined online account application information through the online account application user interface (630), and the online account application information is applied (or purchased) by the customer. At least one online account product selection information for selecting at least one online account product, at least one agreement information corresponding to the online account product, the online account deposit amount information, and customer information for the customer applying for the online account; It is preferable to make it.

When the online account application information is input (or selected) as described above, the customer terminal 275 transmits the online account application information to the web server through the communication network (635).

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.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period (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) is output to the customer terminal 275, and wherein the customer It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to operate an online account corresponding to the online account application information at the web server operating institution (or financial institution). In order to open a virtual account having a real account as a parent account, the parent account manager information including at least one of the web server operating institutions (or financial institutions) and the mother account information corresponding to the real account operated by the mother account management institution It is preferable to include an interface for inputting (or selecting) virtual account processing information to be included.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 275 to the first financial institution and the first financial It is preferable to include an interface for outputting the financial transaction application terms and conditions information for processing the transaction, and confirming that the customer has agreed to the financial transaction application terms.

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

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 275, the customer terminal 275 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server through the communication network, or the financial account application information is further included in the online account application information to the web server through the communication network.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., If not an Internet banking member, a wireless banking member, a TV banking member, a home banking member, or the like), the online account application user interface is connected to the customer terminal 275 with at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction via For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face-to-face financial terms and conditions information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 275, the customer terminal 275 may face the non-face-to-face through the interface. After inputting (or selecting) financial transaction consent information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) is performed through the communication network. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server through the communication network.

Thereafter, the web server processes the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing). Information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received and stored in a predetermined storage medium 235 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 235 may be performed between the web server (or web server operating institution) and the information processing server 240 (or financial institution). It may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server transmits the online account application information to the information processing server 240 through a predetermined communication means (645), and the information processing server 240 is provided from the web server through the communication means. The online account application information is received (650).

In more detail, in FIG. 7, when the web server shown in FIG. 2 provides a predetermined online account request user interface to the customer terminal 275, the user terminal 275 selects a predetermined online account request user interface through the online account request user interface. Input (or select) and encrypt the online account application information of the web account to the web server through a predetermined communication network, decrypt the online account application information in the web server, and transmit the online account application information through a predetermined communication means. The process of providing to the information processing server 240 provided in the financial institution, if one of ordinary skill in the art to which the present invention belongs, the customer terminal (275) by referring to and / or modifying the figure 7 ) Can infer various implementation methods for providing the online account application information to the information processing server 240 through a web server. The would, in the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 7.

For example, in FIG. 7, the customer terminal 275 provides only the online account application information to the web server. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided to the customer terminal 275, in addition to the online account application information in the customer terminal 275, provisional processing consent information (or provisional application information), and / or online account security information, and / Alternatively, it may be possible to infer a method of providing 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), but the present invention provides the above client terminal. At 275 the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or Processing the account information, and / or a non-face-to-face financial transaction agreement information includes exemplary method for providing (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention belongs, the online account application information (in the web server corresponding to the security function provided in the communication means for connecting the web server and the information processing server 240) And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)), and transmits the information to the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / or the online account. Infer a method of enforcing 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) Number would be, the present invention includes the embodiment wherein the method is derived, to which the present invention is not limited.

Referring to FIG. 7, the customer terminal 275 illustrated in FIG. 2 accesses the web server 700 through a communication network including at least one wired communication network and / or a wireless communication network (700), which is provided by the web server. At least one web-based service is used (705), and the web-based service screen provided by the web server to the customer terminal (275) requests a predetermined online account request user interface for registering the rechargeable online account. It is preferable that a menu interface is included.

Thus, while the web server provides at least one web-based service to the customer terminal 275 as described above, the online account request user interface is used to register the online account from the customer terminal 275. It periodically checks whether an account request user interface is requested (710). If the financial product request interface is requested from the customer terminal (275) (715), the web server provides a predetermined online account with a predetermined security function. An application user interface is generated (or extracted from a predetermined web source D / B (not shown)) 720, and the online account application user interface is provided to the mobile terminal through the communication network 725.

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 275 by a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer to, preferably in the form of a security program linked to the online account application user interface, wherein the security program encrypts the online account application information Preferably, at least one encryption key is provided.

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

Thereafter, the customer terminal 275 inputs (or selects) predetermined online account application information through the online account application user interface (730), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 275 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface. (And / or attach the electronic signature of the customer to the online account application information) (735), and transmit the encrypted online account application information to the web server via the communication network (740).

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 275, the customer terminal 275 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server through the communication network, or the online account application information further includes the online account security information to the web server through the communication network. send.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period (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) is output to the customer terminal 275, and the customer informs the provision of the provisional provision information and the 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. .

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may be configured to operate an online account corresponding to the online account application information at the web server operating institution (or financial institution). In order to open an account in the form of a virtual account, the mother account includes at least one web server operating institution (or a financial institution), including the mother account information, and the mother account information corresponding to the real account operating in the mother account management institution It is preferable to include an interface for inputting (or selecting) virtual account processing information.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 275 to the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal (275) at least one non-face-to-face financial transaction channel with the financial institution Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction Internet banking subscription terms information, 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.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided to the client terminal 275, the customer terminal 275 receives the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. Or to the web server through the communication network further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information.

The web server receiving the encrypted online account application information through the communication network decrypts the online account application information with a decryption method corresponding to the encryption method (745), and the decrypted online account application information (and / or False processing consent information (or false application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face) Financial transaction application information)) is stored in a predetermined storage medium 235 (740).

Thereafter, the web server transmits the online account application information to the information processing server 240 through a predetermined communication means (745), and the information processing server 240 is provided from the web server through the communication means. The online account application information is received (750).

In more detail, FIG. 8 opens a predetermined online account based on the online account application information provided from the web server in the information processing server 240 shown in FIG. Or a process of processing a real account operated by a financial institution 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 drawing 8 to the drawing 2. Based on the online account application information provided to the information processing server 240 shown in FIG. 1, various implementation methods for processing an online account as a virtual account using a real account operated by the web server operating institution (or a financial institution) as a parent account It may be inferred, but the present invention includes all the inferred methods of implementation, and the present invention is not limited thereto.

For example, in FIG. 8, only the online account application information is provided from the web server to the information processing server 240. However, if the person of ordinary skill in the art belongs to the present invention, the online account application is provided. In addition to the information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or The non-face-to-face financial transaction application information) and the like may be inferred from the implementation method provided to the information processing server 240, but the present invention may provide the information processing server 240 with the provisional processing agreement information (or provisional provision application). Information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face) Financial transaction application information) is further provided, whereby the present invention is not limited.

Hereinafter, in FIG. 8, the information processing server 240 shown in FIG. 2 is referred to as " server " for convenience.

Referring to Fig. 8, through the process shown in Figs. 6 and / or 7, predetermined online account application information (and / or trail processing agreement information (or trail) from the web server shown in Fig. 2 to the server is shown. Rule 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)). If so, the server may request 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) to determine whether the online account can be opened (800).

If the online account cannot be opened based on the online account application information (805), the server generates the account opening error information and provides it to the web server (810), and the web server opens the account error. By sending the information to the customer terminal 275 via a predetermined communication network (815), the online account sign-up procedure based on the online account application information is terminated.

On the other hand, if it is possible to open the online account based on the online account application information (805), the server is connected to the financial system and a predetermined online account corresponding to the online account application information on the financial system In operation 825, the online account is processed as a virtual account that is the parent account operated by the web server operating institution (or financial institution) in association with the financial system.

According to an exemplary embodiment of the present invention, the server stores the parent account number corresponding to the real account operated by the web server operating institution (or financial institution) in the provisional processing information added to the online account ledger as shown in FIG. In addition, it is preferable to treat the ledger corresponding to the online account opened by the provisional opening unit 250 as a virtual account whose mother account is the real account operated by the web server operating institution (or financial institution). .

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account in the online account ledger and predetermined mother account management institution information corresponding to the mother account to be linked to the online account as shown in FIG. And the virtual account processing information including the parent account information in a relational manner, the web server operating institution (or financial institution) to operate the ledger corresponding to the online account opened by the provisional opening section 250 It is preferable to treat the real account as a virtual account having the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a predetermined database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the online account opened by the establishment unit 250 as a virtual account whose mother account is the real account operated by the web server operating institution (or financial institution).

In more detail, FIG. 9 is a virtual account whose parent account is a real account operated by the web server operating institution (or financial institution) through the process shown in FIG. 8 through the online account registration system shown in FIG. A process for performing a real name verification process on a processed online account to process a predetermined new financial account. Specifically, the name verification expiration date is automatically extended to perform at least one financial transaction through the online account without real name verification. It is about the implementation method to provide continuously.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 9 and process online as a virtual account having a real account operated by the web server operating institution (or financial institution) as a parent account. Various implementation methods for verifying the real name for the account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 9, the information processing server 240 on the online account registration system shown in figure 2 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 from a financial transaction system (900).

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

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

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server processes the real account operated by the web server operating institution (or financial institution) as a virtual account. The process of checking the customer's real name for the online account is repeated.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (915), 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 (920), to continuously provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the virtual account of the real account operated by the web server operating institution (or financial institution) as a parent account The online account processed in the form of an 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 method of the present invention, when the online account of a virtual account type having a real account operated by the web server operating institution (or a financial institution) as the new financial account, the online ledger information is a real account. In the case where the ledger information is included, it is preferable that the server processes the online account as a new financial account whose real name is confirmed by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. .

Alternatively, when the online account ledger information includes the virtual account ledger information when a virtual account type online account having a real account operated by the web server operating institution (or a financial institution) is treated as the new financial account. The server clears the online account by clearing the pseudonym processing information and / or virtual account processing information added to the online account ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is desirable to process with this identified new financial account.

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

In more detail, FIG. 10 is a virtual account that uses a real account operated by the web server operating institution (or financial institution) as a parent account through the process shown in FIG. 8 through the online account registration system shown in FIG. This is a process of performing a real name verification process for a processed online account and processing it into a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is stored in the original account (for example, the online account). The present invention relates to a method for retrieving a financial account (or other online account) in which a predetermined amount is transferred to an account and dormant processing the online account.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 10 and process online as a virtual account having a real account operated by the web server operating institution (or financial institution) as a parent account. Various implementation methods for verifying the real name for the account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the information processing server 240 on the online account registration system shown in FIG. 2 is referred to as " server " for convenience.

Referring to FIG. 10, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Responsive to customer real name verification events arising from financial transaction systems And 1000.

If the real name for the online account request customer is not confirmed (1005), 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 (1010).

If the real name verification period for the online account has not elapsed in response to the online account application information (1015), the server processes the real account operated by the web server operating institution (or financial institution) as a virtual account. The process of checking the customer's real name for the online account is repeated.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1015), the server connects the financial system with a predetermined amount of money deposited in the online account in response to the online account application information. Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (1020).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1005), the server is linked to the financial system, the virtual account of the real account operated by the web server operating institution (or financial institution) as a mother account The online account processed in the form of an account is returned to the original online account (1025), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (1030).

Alternatively, the online account ledger information includes virtual account ledger information when the online account in the form of a virtual account having a real account operated by the web server operating institution (or a financial institution) as the new financial account. In this case, the server erases the virtual account processing information and / or the virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby replacing the online account. It is preferable to process a new financial account whose real name is confirmed.

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 (1035).

FIG. 11 is a block diagram of an automatic prepaid transportation card automatic charging system through messenger-based online account banking according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates a link between at least one wireless terminal 1130 and a predetermined banking server 1100 connected with a communication channel for automatic prepaid transportation card charging through a messenger-based online account banking. An embodiment of an automatic prepaid traffic card automatic charging system through messenger-based online account banking that processes at least one financial transaction requested from a wireless terminal 1130, the prepaid traffic card automatic charging through the messenger-based online account banking The system includes at least one wireless terminal 1130 including the functional configuration shown in FIG. 1, and a banking service that provides a prepaid transportation card automatic charging service through messenger-based online account banking in conjunction with the wireless terminal 1130. It comprises a server 1100, the banking server 1100 is through a predetermined financial network To provide prepaid transportation card automatically recharge service via the IM-based online banking account is associated with a financial system that handles the necessary financial services.

Those skilled in the art to which the present invention pertains omit convenience for convenience because it does not include the core technical matters of the present invention in the prepaid transportation card automatic charging system through messenger-based online account banking shown in FIG. It is possible to easily guess the components, but the present invention is not limited by the components omitted.

The wireless terminal 1130 is connected to the banking server 1100 based on a code division multiple access (CDMA) based wireless communication function and the wireless communication function, and various transfers, utility bill payments, deposit payments, deposit subscriptions, and the like. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) terminals with wireless messengers for managing customer financial transactions in the form and And / or a wireless terminal including at least one of a personal handyphone system (PHS) terminal and / or a personal digital assistant (PDA) and / or a smart phone. The wireless messenger provided in the wireless terminal uses a communication function provided in the wireless terminal to provide a predetermined communication network (eg, CDMA-based mobile communication). ) Via the connection is characterized in that the communication channel for one or more financial transactions with the bank server 1100.

In addition, the wireless terminal 1130 is connected to the banking server 1100 based on the IEEE 802.16x-based wireless communication function and the wireless communication function of various forms such as various transfers, bill payments, savings, subscriptions, etc. And a wireless terminal including at least one portable internet terminal having a wireless messenger for managing a customer financial transaction, wherein the wireless messenger provided in the wireless terminal is provided with the wireless terminal. It is characterized by connecting a communication channel for at least one financial transaction with the banking server 1100 through a predetermined communication network (for example, IEEE 802.16x based portable Internet network) by using a function.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External systems that connect to the computer network and provide various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser), ATM (Automatic Teller Machine), other line, call center, financial settlement, etc. An interface module corresponding to a middleware platform providing inter-component interfacing; DBMS including at least one database that stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component in an existing financial system. (DataBase Management System), and according to the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (city O), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains may Since the technical details of the system will be clearly understood, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto. No.

According to the method of the present invention, the banking server 1100 is interlocked with the financial system through the external system, and for this purpose, the external system is configured to interwork with the banking server 1100 through a predetermined financial network. It is preferred to include the element.

The banking server 1100 includes a DBMS including a database for storing online account banking information required for providing a prepaid transportation card automatic recharging service through a predetermined messenger-based online account banking, or the DBMS according to an implementation method. It is characterized in that the interworking with the data server provided, thereby providing a prepaid traffic card automatic charging service through a predetermined messenger-based online account banking to at least one or more of the wireless terminal (1130).

Here, the prepaid traffic card automatic charging service through the messenger-based online account banking preferably includes a financial transaction for charging the prepaid traffic card provided in the wireless terminal 1130 equipped with the wireless messenger.

According to an embodiment of the present invention, the online account banking information may be configured to authenticate a customer corresponding to the wireless terminal 1130 when at least one wireless terminal 1130 is connected to the banking server 1100. The customer authentication information for authenticating the financial transaction customer during at least one financial transaction through the banking server 1100 and the financial system when the financial transaction is requested from the customer through the wireless terminal 1130; It is preferable to include the banking element information for processing the financial transaction corresponding to the financial transaction request in conjunction with, and at least one or more information necessary for Internet banking according to the intention of those skilled in the art may be further included, in FIG. Omit it.

Referring to FIG. 11, the banking server 1100 provides a prepaid traffic card automatic charging service through at least one messenger-based online account banking through a wireless messenger provided in at least one or more wireless terminals 1130. And an interface unit 1105 for connecting and managing a communication channel.

In addition, the banking server 1100 receives predetermined customer authentication data from a predetermined wireless messenger provided in the wireless terminal 1130 through the interface unit 1105, and stores the received customer authentication data in the online account. By authenticating through customer authentication information included in banking information, the customer authentication unit 1110 confirms confidentiality, authentication, integrity, and nonrepudiation of the customer corresponding to the wireless messenger. It is characterized by comprising a).

In addition, the banking server 1100 receives predetermined financial transaction request information from a predetermined wireless messenger provided in the wireless terminal 1130 through the interface unit 1105, and receives the received financial transaction request information and the received financial transaction request information. And a banking processor 1120 for processing at least one or more financial transactions requested from the wireless messenger through banking element information included in the online account banking information.

In addition, the banking server 1100 is provided with a ledger processing unit 1125 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with a financial system through the financial network, Ledger processing unit 1125 is preferably connected to the external world of the financial system through the financial network.

In addition, when the banking server 1100 processes a financial transaction corresponding to the financial transaction request information through the banking processor 1120 and the ledger processor 1125, the banking server 1100 may include a financial transaction history (or a financial transaction result). And an information transmitter 1115 for transmitting the transaction result information to the wireless terminal 1130 through the communication network.

The customer authentication information stored in the DBMS includes at least one ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the banking server 1100 through the wireless terminal 1130. It is preferable to include the member information including, and at this time, the ID / PW information of the customer is obtained from the wireless messenger provided in the wireless terminal 1130 and transmitted to the banking server 1100, the customer authentication unit 1110 receives the ID / PW information and compares the received ID / PW information with ID / PW information included in the member information to authenticate the customer.

Here, the ID / PW information may be provided to the banking server 1100 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to the wireless terminal 1130 to provide a more advanced security function. It is preferable to be received encrypted by at least one or more of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, To this end, the customer authentication unit 1110 preferably further comprises a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (eg, KFTC) and certificate server information, and / or the official certificate registration that issued a predetermined certificate to a customer connected through the wireless terminal 1130. Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. In this case, when the wireless messenger provided in the wireless terminal 1130 transmits the authentication certificate-based authentication information, the customer authentication unit 1110 is linked with the authentication server of the certification authority. Characterizing the customer by performing a customer authentication procedure through the authentication information.

Here, the customer authentication unit 1110 provides the communication session information and the certificate information connected to the wireless terminal 1130 to the authentication server of the certification authority, and the authentication server is the wireless terminal based on the communication session information. After performing a customer authentication procedure corresponding to the certificate information at 1130, it is preferable to provide the result to the customer authentication unit 1110.

In addition, the customer authentication information stored in the DBMS is made, including a copy of the authentication certificate for the customer accessing the banking server 1100 through the wireless terminal 1130, and / or a predetermined authentication certificate to the customer It is preferable to include the directory connection information of the certification authority that issued the certificate, and at this time, if a predetermined certificate-based customer information is generated and transmitted from the wireless messenger provided in the wireless terminal 1130, the customer authentication unit 1110 Receiving the certificate-based customer information in conjunction with the authentication server of the certification authority that issued the predetermined certificate to the customer, and by authenticating the certificate-based customer information through a copy of the certificate and / or a directory of the certification authority, Characterized by the customer.

According to the exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1110 or a predetermined random number generated by the wireless terminal 1130. The wireless terminal 1130 uses at least one of a symmetric key (or secret key) encryption scheme, and / or a public key encryption scheme, and / or an electronic envelope encryption scheme, and / or a key exchange encryption scheme for the random number through the public certificate. Encrypted through the above encryption scheme and provided to the customer authentication unit 1110 (for example, if the random number is generated in the wireless terminal 1130 further includes a random number in the form of a plain text), the customer authentication unit 1110 ) Decrypts the encrypted random number based on the copy of the customer's certificate and / or the certificate information of the customer extracted from the directory and compares each other, and / or By intercomparison encrypts the plaintext form of a random number (e.g., a random number, and / or a random number generated by the wireless terminal 1130 is generated by the client authentication unit 1110), it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the wireless terminal 1130 previously stored information (for example, information stored in the storage device of the wireless terminal 1130 by the banking server 1100). And / or information (or system information) previously stored in the wireless terminal 1130, and / or storage information read from an IC card (and / or IC chip) interoperating with the wireless terminal 1130. (Eg, an IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer), In this case, the wireless terminal 1130 encrypts the stored information through the public certificate using a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Encryption using at least one of the Provided to the customer authentication unit 1110, the customer authentication unit 1110 decrypts the encrypted stored information based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory and mutually By comparison, it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information may include input information (eg, a key input device provided in the wireless terminal 1130) input through an input means provided in the wireless terminal 1130. Information input through an input device (eg, a short-range communication device) other than a key input device provided in the wireless terminal 1130, and / or the wireless terminal 1130. The at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is used for the input information. Encrypted through the customer authentication unit 1110, provided by the customer authentication unit 1110, the certificate of the customer extracted from the copy of the customer's official certificate and / or the directory Subject to decrypt the encrypted information based on the input by mutual comparison, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the wireless When the wireless messenger provided in the terminal 1130 inputs (or generates) a predetermined OTP code, the customer authentication unit 1110 receives the OTP code and based on the OTP generation information, the predetermined OTP authentication. Generating a code, and comparing the generated OTP code and the generated OTP authentication code, characterized in that to authenticate the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic in the wireless terminal 1130 to provide a more advanced security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 1110 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When the banking processing unit 1120 is requested to provide at least one financial transaction for providing a prepaid traffic card automatic charging service through the messenger-based online account banking through a wireless messenger provided in the wireless terminal 1130, the wireless Receive predetermined financial transaction request information from a messenger, and refer to the received financial transaction request information and banking element information included in the DBMS to process a predetermined financial transaction through the financial system. And generating (or extracting) information and providing the generated (or extracted) financial transaction processing information to the ledger processing unit 1125.

For example, when requesting a transaction for charging the prepaid traffic card from the wireless messenger provided in the wireless terminal 1130, the wireless messenger provided in the wireless terminal 1130 is required for the prepaid traffic card charging transaction. Enter (or select, or automatically enter) information (e.g., online account number, password, charge amount information, prepaid transportation card information, etc.) corresponding to the withdrawal account; When the predetermined financial transaction request information including the transaction information is transmitted, the banking processing unit 1120 refers to the financial transaction request information and the banking element information through the interface unit 1105 and the charge amount from the online account. Generates the financial transaction processing information to withdraw money and provides it to the ledger processing unit (1125).

According to the exemplary embodiment of the present invention, the banking processor 1120 receives at least one financial transaction request information from the wireless terminal 1130 and performs at least one customer authentication scheme in cooperation with the customer authentication unit 1110. It is preferable to authenticate the customer requesting the financial transaction through, thereby, confidentiality of the customer who requested the financial transaction through the wireless terminal (1130) (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Authentication, integrity and nonrepudiation are ensured.

According to the exemplary embodiment of the present invention, the banking processor 1120 may secure the confidentiality, authentication, integrity, and non-repudiation of at least one financial transaction request information transmitted from the wireless terminal 1130. In 1130, the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 1120 receives the financial transaction request information from the wireless terminal 1130, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 1120 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the wireless terminal 1130 for at least one financial transaction. Preferably, the financial transaction request information is encrypted and transmitted in an electronic envelope method. In this case, the banking processor 1120 receives the financial transaction request information from the wireless terminal 1130 and decrypts the electronic transaction method. Preferably, this ensures confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information.

The ledger processing unit 1125 may be linked with the financial system through a predetermined financial network. When the predetermined financial transaction processing information is generated (or extracted) by the banking processing unit 1120, the financial transaction is performed. Identify at least one or more ledger information to be extracted from the ledger on the financial system in response to the processing information, extract the identified ledger information from the ledger on the financial system through the financial network, and / or process the financial transaction In response to the information, generating (or extracting) ledger record information recorded in the ledger on the financial system, and recording the generated (or extracted) ledger record information in the ledger on the financial system through the financial network. It is done.

For example, when charging the prepaid traffic card provided in the wireless terminal 1130, the ledger record information is stored on the online account ledger (or mother account ledger associated with the online account) for the prepaid traffic card charging transaction. Preferably includes ledger information for withdrawing the recharge amount from the online account, or ledger information for replenishing the prepaid transportation card with the recharge amount.

The information transmitting unit 1115 generates (or extracts) predetermined financial transaction processing information by the banking processing unit 1120, or the ledger processing unit 1125 provides the financial transaction processing information to the ledger on the financial system. When the corresponding ledger record information is recorded, the financial terminal 1130 generates financial transaction result information including a financial transaction history (or financial transaction result) corresponding to the financial transaction processing information (or ledger record information). It is characterized in that for transmitting.

12 illustrates a process of driving a wireless messenger for automatic prepaid transportation card charging through messenger-based online account banking according to an embodiment of the present invention.

In more detail, FIG. 12 confirms at least one prepaid traffic card automatic charging condition in the wireless terminal 1130 having a messenger-based online account banking function and a prepaid traffic card function shown in FIG. As a result, the present invention relates to a process of driving a wireless messenger (or payment program) for automatically charging the prepaid transit card through an online account registered through the online account registration system shown in FIG. Those skilled in the art may refer to and / or modify this drawing 12 to infer various implementation methods for driving a wireless messenger for automatic prepaid transportation card charging through the messenger-based online account banking. As will be appreciated, the present invention includes all implementation methods inferred from the above, FIG. The technical features are not limited only to the implementation method shown in FIG.

For example, the implementation method shown in FIG. 12 omits the validation process for convenience, such as PIN (Personal Identification Number) authentication process, which is already generalized for the IC chip (or IC card), but the prepaid transportation card charging process It is obvious and obvious that the above validation process is performed, whereby the present invention is not limited.

Referring to FIG. 12, the wireless terminal 1130 having the messenger-based online account banking function and the prepaid traffic card function shown in FIG. 1 is connected to the IC chip having the prepaid traffic card function. Check if the balance check condition for the transportation card is met (1200).

According to an embodiment of the present invention, the wireless terminal 1130 prepaid corresponding to the prepaid traffic card storage information on the IC chip in connection with the IC card reader when paying the traffic fee using the prepaid traffic card. It is desirable to check the balance of the type transportation card.

According to another exemplary embodiment of the present invention, the wireless terminal 1130 is a prepaid type corresponding to prepaid traffic card storage information on the IC chip in connection with the IC card reader when using a messenger service using the wireless messenger. It is desirable to check the balance of the transportation card.

According to another exemplary embodiment of the present invention, the wireless terminal 1130 periodically checks the balance of the prepaid traffic card corresponding to the prepaid traffic card storage information on the IC chip in association with the IC card reader. It is desirable to.

If it is confirmed that the prepaid transit card balance check condition is satisfied (1205), the wireless terminal 1130 checks the prepaid transit card balance in association with the IC chip (1210) and the confirmed prepaid type The traffic card balance is compared with the automatic charge setting amount stored in the memory unit to determine whether the prepaid traffic card automatic charging condition is satisfied (1215).

According to the exemplary embodiment of the present invention, when it is confirmed that the wireless terminal 1130 satisfies the prepaid transit card balance check condition, the balance of the prepaid transit card in connection with the memory unit is set to the automatic charging amount. It is preferable to check whether the information is less than the information, and if the balance of the prepaid transportation card is less than the automatic charge setting amount information, the prepaid transportation card automatic charging condition is satisfied.

If the check result, the prepaid traffic card automatic charging condition is satisfied (1220), the wireless terminal 1130 outputs the prepaid traffic card balance shortage warning sound (or warning message), the balance of the prepaid traffic card Request customer approval for automatic charging of the autofill amount (1225).

If the customer approval for the prepaid traffic card automatic charging is not confirmed (1230), the wireless terminal 1130 outputs the prepaid traffic card automatic charging error message (1235), the prepaid traffic card automatic charging End the process.

On the other hand, if the customer approval for prepaid transportation card automatic charging is confirmed (1230), the wireless terminal 1130 is a wireless messenger having an online account banking function registered through the online account registration system shown in FIG. Or a payment program) (1240).

When the wireless messenger is pre-driven in the wireless terminal 1130 according to the embodiment of the present invention, the wireless terminal 1130 drives an online account banking function of automatically charging the prepaid traffic card through the wireless messenger. It is preferable that the present invention is not limited thereby.

If a wireless messenger (or payment program) having an online account banking function is driven (1245), the wireless terminal 1130 accesses the banking server 1100 shown in FIG. A communication channel for banking is connected (1250), and the customer authentication for the online account banking is performed through the communication channel (1255).

FIG. 13 is a diagram illustrating a process of automatically charging a prepaid transportation card through a messenger-based online account banking according to an embodiment of the present invention.

In more detail, FIG. 13 shows an online account banking function through an online account registered through the online account registration system shown in FIG. 2 through the process shown in FIG. 12 in the wireless terminal 1130 shown in FIG. When the wireless messenger (or payment program) is provided, the wireless terminal (1130) for the process of automatically charging the prepaid traffic card through the online account banking using the wireless messenger (or payment program), Those skilled in the art to which the present invention pertains may refer to various embodiments of the present invention by referring to and / or modifying FIG. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the implementation method illustrated in FIG. As not exclusively those technical features.

For example, the implementation method shown in FIG. 13 omits the validation process for convenience, such as PIN (Personal Identification Number) authentication process, which is already generalized for the IC chip (or IC card), but the prepaid transportation card charging process It is obvious and obvious that the above validation process is performed, whereby the present invention is not limited.

Referring to FIG. 13, the wireless terminal 1130 shown in FIG. 1 performs an online account banking function through an online account registered through the online account registration system shown in FIG. 2 through the process shown in FIG. When the provided wireless messenger (or payment program) is driven, the wireless terminal 1130 checks the automatic charge amount for the prepaid traffic card through the wireless messenger (or payment program), and the automatic charge amount is determined. An online account-based financial transaction information for automatically recharging the prepaid transit card is generated (or automatically entered) (1300).

Thereafter, the wireless terminal 1130 generates financial transaction request information including the online account-based financial transaction information generated (or automatically input) through the wireless messenger (or payment program) to the banking server 1100. In response (1305), the banking server 1100 in response to the financial transaction for charging the automatic charge amount to the prepaid traffic card based on the online account-based financial transaction information contained in the financial transaction request information A process (eg, withdraw the automatic recharge amount from the online account, and process the automatic recharge amount from the parent account of the online account) (1310).

If the financial transaction for charging the prepaid transportation card to charge the automatic charging amount is processed (1315), the banking server 1100 generates the financial transaction result information corresponding to the financial transaction processing result to the wireless terminal (1130) In operation 1320, the wireless terminal 1130 balances the automatic recharge amount with the IC card in connection with the IC chip and charges it in operation 1325.

If the prepaid transit card is charged and charged by balancing the automatic charge amount (1330), the wireless terminal 1130 transmits the prepaid transit card charge amount information to the wireless messenger (or payment program) through the wireless messenger. In operation 1335, the message is transmitted to the messenger server corresponding to the server (or the server managing the charged amount).

According to the present invention, the wireless messenger provided in the wireless terminal is provided with a financial transaction function through an online account, and when the prepaid transportation card provided in the wireless terminal runs out of balance, the online account banking using the wireless messenger is performed. There is an advantage to automatically charge the prepaid traffic card through a convenient.

According to the present invention, there is an advantage that the online account-based messenger banking is activated when the recently commercialized online account-based messenger banking function is applied to a wireless terminal.

According to the present invention, through the convenience of the online account-based messenger banking, the ratio of using a prepaid transportation card to the USIM (Universal Subscriber Identity Module) provided in the wireless terminal is actively improved, thereby using the wireless terminal. Prepaid transportation cards and online account-based messenger banking have the advantage of being activated together.

Claims

A wireless messenger program having a non-real name financial transaction function using an online account registered to enable financial transactions in a non-real name state in conjunction with a messenger, and a wireless terminal device having a prepaid transportation card function and a payment processing function,

Confirmation unit for checking the balance of the prepaid traffic card;

If the balance of the confirmed prepaid transit card is less than a predetermined amount, a payment for driving a wireless messenger program having a non-real name financial transaction function using the online account to be used as a payment program for charging the balance of the prepaid transit card A program driver; And

And a charging unit which controls the driven messenger program and automatically withdraws a predetermined amount from the online account and automatically recharges the balance of the prepaid transit card. Wireless terminal device.

The method of claim 1,

Controlling the driven messenger program to transmit charge amount information by the charging unit to a server on a communication network including at least one messenger server corresponding to the messenger program, or at least one financial company server operating an online account linked to the messenger; Wireless terminal device with a prepaid traffic card automatic charging function characterized in that it further comprises a transmission unit.

In a wireless messenger program having a financial transaction function using an online account registered to enable financial transactions in a non-blind state in conjunction with a messenger, and a recording medium provided in a wireless terminal equipped with a prepaid transportation card function and a payment processing function,

Checking the balance of the prepaid transportation card;

A function of driving a wireless messenger program having a non-real name financial transaction function using the online account to be used as a payment program for charging the balance of the prepaid transit card when the balance of the confirmed prepaid transit card is less than a predetermined amount; ;

And a function of controlling the driven messenger program to withdraw a predetermined amount from the online account to automatically charge the balance of the prepaid transportation card. A program for executing the program is recorded.

According to claim 1, wherein the program,

Controlling the driven messenger program to transmit the charged amount information to a server on a communication network, the messenger server corresponding to the messenger program or at least one financial company server operating an online account linked to a messenger; A computer-readable recording medium, characterized in that for executing.