KR100873392B1 - System and Method for Processing Loan by Using Enterprise Intranet and Program Recording Medium - Google Patents

Abstract

The present invention relates to a loan processing method and system using a corporate intranet and a recording medium therefor. The loan processing method using a corporate intranet according to the present invention includes a loan registered with a corporate financial account as a parent account in a predetermined information storage means. Storing the requested employee's online account information and the loan request amount information for each employee in a predetermined storage medium; and at least one online connection in connection with the storage medium (or storage medium operating means) in a predetermined information generating means. Generating loan request financial transaction information including total loan request amount including the account information, loan request amount information for each employee and the corporate financial account information, and the loan request amount for each employee; The loan request is made through the company financial account information and the total loan request amount. Lowering, depositing a total loan amount corresponding to the total loan request amount from the predetermined loan processing means to the corporate financial account when the loan is approved; and depositing from the predetermined online account operating means into the corporate financial account. And setting an amount corresponding to the loan request amount for each employee among the amount of money that can be withdrawn through the employee's online account.

Corporate, Intranet, Loan

Description

System and Method for Processing Loan by Using Enterprise Intranet and Program Recording Medium}

1 is a diagram illustrating an online account registration system for employee loan processing using an online account according to an embodiment of the present invention.

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

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

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

5 is a diagram illustrating an information providing process for employee loan processing using an online account according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for employee loan processing using an online account according to another embodiment of the present invention.

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

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

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

10 is a diagram showing the configuration of an online account management system for employee loan processing using an online account according to an embodiment of the present invention.

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

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

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

14 is a diagram showing the configuration of an online account management system for payroll and repayment of loans using an online account according to an embodiment of the present invention.

15 is a diagram illustrating a salary payment request process for repaying a loan in an online account-based salary payment process according to an embodiment of the present invention.

16 is a diagram illustrating a salary payment request process for repaying a loan in an online account-based salary payment process according to another embodiment of the present invention.

17 is a diagram illustrating a process of repaying a loan in an online account-based payroll payment process according to an embodiment of the present invention.

18 is a diagram illustrating a payroll request process for repaying a loan after an online account-based payroll according to an exemplary embodiment of the present invention.

19 is a diagram illustrating a payroll request process for repaying a loan after an online account-based payroll according to another embodiment of the present invention.

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

<Description of main parts of drawing>

100: enterprise server 105: interface unit

110: interface providing unit 115: enterprise dedicated service unit

120: information receiving unit 125: employee certification unit

130: information storage unit 135: information relay unit

140: storage medium 145: employee terminal

150: information processing server 155: information receiving unit

160: Ga Shin-kyu establishment 165: Virtual account processing unit

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

180: new account processing unit

The present invention provides a method of storing information in a predetermined storage medium by linking loan account employees' online account information registered with a corporate financial account as a mother account in a predetermined information storage means and loan request amount information for each employee, and generating predetermined information. The total loan request amount obtained by adding at least one or more online account information, loan request amount information for each employee, corporate financial account information, and loan request amount for each employee in association with the storage medium (or storage medium operation means). Generating loan request financial transaction information, including approving the loan request through the corporate financial account information and the total loan request amount in a predetermined loan approval means; Depositing a total loan amount corresponding to the total loan request amount into the corporate financial account; And setting the amount corresponding to the loan request amount for each employee among the amounts deposited to the corporate financial account in the predetermined online account operation means so that the withdrawal can be made through the employee's online account. It is about a processing method.

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

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

An object of the present invention for solving the above problems is to store information stored in a predetermined storage medium by linking the loan request employee's online account information registered with a predetermined corporate financial account and the loan request amount information for each employee A total loan request amount including at least one or more online account information, loan request amount information for each employee, corporate finance account information, and loan request amount for each employee in association with the storage medium (or the storage medium operating means). Information generation means for generating loan request financial transaction information, including loan processing means for depositing a total loan amount corresponding to the total loan request amount into the corporate financial account and an amount deposited into the corporate financial account; It is possible to withdraw the amount corresponding to each loan request amount through the employee's online account. It is a loan processing system using a corporate intranet, including online account management tool that provides a set.

In the loan processing method using the corporate intranet according to the present invention, a predetermined storage medium is provided by linking online account information of a loan request employee registered with a corporate financial account as a parent account and information on the loan request amount for each employee. And at least one online account information, loan request amount information for each employee, corporate finance account information, and loan for each employee in connection with the storage medium (or storage medium operation means) in a predetermined information generating means. Generating loan request financial transaction information including the total loan request amount summed up the request amount; approving the loan request through the corporate financial account information and the total loan request amount in a predetermined loan approval means; Upon approval of the loan, a total loan corresponding to the total loan request amount in a predetermined loan processing means; Depositing a withdrawal amount into the corporate financial account, and setting an amount corresponding to the loan request amount for each employee among the amounts deposited into the corporate financial account from a predetermined online account management means to withdraw the money through the employee's online account; Characterized in that it comprises a step.

On the other hand, the loan processing method using the corporate intranet according to the present invention, by connecting the online account information of the loan request employee registered with the predetermined corporate financial account in the predetermined information storage means and the loan request amount information for each employee Storing in a predetermined storage medium, at least one or more online account information, loan request amount information for each employee and the corporate financial account information in connection with the storage medium (or storage medium operating means) in a predetermined information generating means; Generating loan request financial transaction information including a total loan request amount sum of the loan request amount for each employee; and at least one online account information and loan request amount information for each employee in a predetermined loan approval means. Approving the request; and upon approval of the loan, a predetermined loan processing means The steps include depositing the sum of loan requests for each employee into the corporate financial account, and the amount corresponding to the loan request amount for each employee among the amounts deposited into the corporate financial account from the designated online account management means. Characterized in that it comprises the step of setting the withdrawal through the employee's online account.

According to the present invention, the loan processing method using the corporate intranet, through the corporate financial account corresponding to the parent account of the online account of the loan request employee in the online account operating means when the salary payment confirmation to the corporate employee online account; Characterized in that further comprises the step of repaying the predetermined loan repayment.

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

Meanwhile, the loan processing system using the corporate intranet according to the present invention connects online account information of loan request employees registered with a predetermined corporate financial account and loan request amount information for each employee to a predetermined storage medium. Information storage means for storing, at least one or more online account information in association with the storage medium (or storage medium operation means), the loan request amount information for each employee, the corporate financial account information and the loan request amount for each employee Information generation means for generating loan request financial transaction information including a total loan request amount, and a loan processing means for depositing a total loan amount corresponding to the total loan request amount into the corporate financial account and the amount deposited into the corporate financial account; The amount corresponding to each employee's loan request amount through the employee's online account It is characterized by comprising an on-line account operating means for setting to withdraw money.

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

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

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

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

1 is a diagram illustrating an online account registration system for employee loan processing using an online account according to an embodiment of the present invention.

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

Persons of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 1 and use an online account in addition to an online account in the form of a virtual account having a real account in the name of the online account operating company. Although an implementation method for a system for registering various types of online accounts for loan processing may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

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

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to access the financial system, 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 A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (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 terrestrial DMB terminals).

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

Here, the wired terminal connected to the wired communication network among the employee terminals 145 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, 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 is preferable to include at least one or more wireless data communication terminal connected to the communication network.

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

According to the present invention, at least one or more items (or requesting a new establishment) are sold to at least one or more customers online by the financial institution in the information providing service provided by the corporate server 100 to the employee terminal 145. And financial product information, wherein the financial product information comprises at least one online account product information for the customer to register an online account for employee loan processing using the online account. do.

In addition, the corporate server 100 is the customer through the network means including the wired and / or wireless communication network the customer applies for the financial product (eg, an online account for employee loan processing using the online account) (or At least one user interface for purchasing) to the employee terminal 145, wherein the employee terminal 145 is a predetermined online account for employee loan processing using the online account through the user interface. The application information may be input (or selected) and transmitted to the enterprise server 100 through a network means including the wired communication network and / or the wireless communication network.

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

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

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

According to an exemplary embodiment of the present invention, when the employee terminal 145 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 includes the wired network and / Or at least one or more information by connecting a predetermined communication channel with the employee terminal 145 based on the protocol stack defined in the wireless network, using a communication protocol defined in the communication program provided in the employee terminal 145 It is desirable to provide a communication interface for (or data) transmission and reception.

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

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

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

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

Referring to FIG. 1, the corporate server 100 has an interface unit 105 when a predetermined employee terminal 145 accesses the corporate server 100 and / or applies for an online account through the interface unit 105. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the employee terminal 145 to input (or select) and transmit predetermined online account application information. A predetermined online account that is input (or selected) and transmitted from the employee terminal 145 through the user interface in conjunction with the interface providing unit 110 provided to the employee terminal 145 and the interface unit 105. An information receiving unit 120 for receiving application information and an information relay unit 135 for providing the received online account application information to an information processing server 150 provided in a financial institution through a predetermined communication means. The comparison made is characterized.

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

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

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

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

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

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

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

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

In addition, when the online account product corresponding to the online account application information corresponds to a free account, the user account for inputting (or selecting) the online account application information may correspond to the online account product. It is preferable to include an interface for outputting the online account product detailed information, such as the online account product name and interest rate information to the employee terminal 145, and to confirm that the customer confirmed the online account product detailed information, Alternatively, 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 correspond to the online account product. Online Account Product Names and Investments Liver and preferably outputs an online account item detailed information, such as the expected rate of return information to the staff terminal 145, and obtained by the customer contains the interface to ensure that the check for the online account item details.

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

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

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

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

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information includes an account password for an online account corresponding to the online account application information, and / or at least 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 one or more non-face-to-face financial transactions.

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

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

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

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

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

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

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

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

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. 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 an interface for outputting financial transaction application terms and conditions information for processing the first financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are a financial transaction customer of a financial institution, the above interface may be omitted. And, or but it may be included in a non face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) which specifies to the interface is in accordance with the intention of those skilled in the art.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

If the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information storage unit 130 is the provisional processing information (or provisional provision application information) in the online account application information And storing the online account issuance information associated with the information) in the storage medium 140, wherein the provisional processing agreement information (or provisional application information) is stored in the enterprise server 100 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

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

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

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

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

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

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

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

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

When the provisional processing agreement information (or provisional request information) is received through the information receiving unit 120, the information relay unit 135 receives the provisional processing agreement information (or provisional application information). And relaying the information to the information processing server 150 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product) through a communication means. The processing server 150 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

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

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

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 135 receives the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed through a predetermined communication means to an information processing server 150 provided in a financial institution corresponding to the online account product (e.g., an online account corresponding to the online account product is opened). As a result, the information processing server 150 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the corporate server 100 processes the financial transaction using the online account.

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

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

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

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

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

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

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

Here, the new provision opening unit 160 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information is not limited to the above financial system. The online account application information (and / or the provisional processing consent information (or the provisional application information)), and / or the online account security information, and / or the financial transaction application information, and / or A predetermined customer ledger corresponding to virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information (can be omitted if the customer ledger is already registered). And / or And registering at least one online ledger (eg, a ledger 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 160 is the online account application information (and / or provisional processing agreement information (or new provision application information) received through the enterprise server 100, and / or online account security information) And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and / or corporate employee information. A process of opening the online account (for example, a process of registering a predetermined online account ledger) in conjunction with an external system and / or an information system provided in the apparatus is performed, and the result is provided to the virtual account processing unit 165. .

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

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

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

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

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

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

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

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

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

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

According to the exemplary embodiment of the present invention, the real name checking unit 175 checks 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 confirm.

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

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

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

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

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

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

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

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

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

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

According to another 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 preventing function by being processed into an account, the new account processing unit 180 is provided with an external system provided in the financial system and / or Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

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

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

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

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and 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 limit, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, 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 At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the online account management company is relationally associated with a customer ledger of the online account management company, and at least one financial account of the financial account of the online account management company. The account 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 online account management company, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 is connected in relation to the virtual account ledger. desirable.

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

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

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

According to the method of the present invention, the corporate employee information including predetermined online account management company information, employee position information, department information, and corporate employee identification information for the employee loan processing using the online account corresponds to the online account ledger. It is preferable to link and store the additional information.

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

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

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger 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.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , 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 At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

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

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

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

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

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

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

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

According to the method of the present invention, the corporate employee information including predetermined online account management company information, employee position information, department information, and corporate employee identification information for the employee loan processing using the online account corresponds to the online account ledger. It is preferable to link and store the additional information.

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

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

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers, in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and 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 limit, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, 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 At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

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

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

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

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

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

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

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

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account that has not been verified, and the online account may be opened for account opening and financial transaction processing in a non-real name verification state. Preferably, the online account ledger information provided in the virtual account ledger includes predetermined temporary processed information as additional information.

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

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

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

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account 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, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

According to the method of the present invention, the corporate employee information including predetermined online account management company information, employee position information, department information, and corporate employee identification information for the employee loan processing using the online account corresponds to the online account ledger. It is preferable to link and store the additional information.

5 is a diagram illustrating an information providing process for processing an employee loan using an online account according to an exemplary embodiment of the present invention.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first financial terminal and the first financial institution to the employee terminal 145. And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

6 is a diagram illustrating an information providing process for employee loan processing using an online account according to another embodiment of the present invention.

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

For example, in FIG. 6, only the online account application information is provided from the employee terminal 145 to the corporate server 100. However, the present invention may include those skilled in the art. In addition to the online account application information in the employee terminal 145 in response to the user interface provided by the enterprise server 100 to the employee terminal 145, the provisional processing information (or provisional application information), and / or It may be possible to infer a method of providing 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). , The present invention is in the employee terminal 145, the new provision processing consent information (or new provision application information), and / or online account security information, and / or financial Below the application information, and / or a virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The corporate server 100 that has received the encrypted online account application information through the network means may provide the corporate employee information and the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / Or decryption method corresponding to the encryption method for 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). In operation 645, the validity of the decrypted corporate employee information is verified (650).

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

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

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

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

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

In more detail, in FIG. 7, in the information processing server 150 illustrated in FIG. 1, a predetermined online account is opened based on the online account application information provided from the enterprise server 100. The present invention relates to a process of processing a real account in the name of an account management company into a virtual account as a parent account, and those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Based on the online account application information provided to the information processing server 150 can be inferred various implementation methods for processing an online account as a virtual account of the real account in the name of the online account management company, the present invention, Includes all the inferred implementation methods, whereby the present invention is not limited.

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

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

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

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

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

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

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

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

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

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

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

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

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information 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 The 800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

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

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

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

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

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

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

Afterwards, the server preferably retroactively processes the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (835).

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

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

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

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

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The (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 the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

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

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

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

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

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

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

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

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

In more detail, FIG. 10 illustrates an online account management system for employee loan processing using an online account registered with the corporate financial account corresponding to the online account operating company as the parent account through the online account registration system shown in FIG. As for the configuration, those skilled in the art to which the present invention pertains, various implementation methods for the configuration of the online account management system for employee loan processing using the online account by referring to and / or modified in this figure 10 It may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the online account management system includes at least one of providing online account-based loan request information corresponding to an online account registered through the online account registration system shown in FIG. The employee terminal 1050 is connected to the employee terminal 1050 through a predetermined network means, and the employee terminal 1050 is connected to a predetermined communication channel for providing a company-only service. The corporate server 1000 for processing employee loan processing using the online account through the online account-based loan request information transmitted from the online account and the online account registered with the corporate financial account are opened (for example, the online account ledger is And a financial system).

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one employee terminal 1050 (eg, a personal computer equipped with the wired Internet access and browsing function) and / or a laptop connected to an IEEE 802.16x based portable Internet, the wireless LAN. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

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

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

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

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

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

According to the present invention, a customer requesting at least one financial transaction through a registered online account using the corporate financial account as a parent account includes at least one of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. One or more employee terminals 1050 access the corporate server 1000 and receive various application services provided by the corporate server 1000.

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

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

According to an embodiment of the present invention, the corporate server 1000 may be provided in the intranet server or the enterprise, in which the employee terminal 1050 is connected through the wired communication network and / or the wireless communication network to process various tasks in the enterprise. Preferably, the bank comprises at least one private banking server. In this case, the enterprise server 1000 stores online account issuance information on the online account registration system shown in FIG. 1 for the online account operation. It is preferably associated with 1045.

According to an exemplary embodiment of the present invention, the corporate server 1000 may include an interface unit 1005 for connecting and managing a predetermined communication channel with the employee terminal 1050 through the network means.

According to an exemplary embodiment of the present invention, when the employee terminal 1050 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1005 may implement a protocol stack defined in the wired network and / or wireless network. On-line registered by connecting the employee terminal 1050 with a predetermined communication channel and using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program provided in the employee terminal 1050. It is desirable to provide a communication interface for transmitting and receiving information (or data) for at least one online account based loan request financial transaction using an account.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1050, the interface unit 1005 may be connected to the employee terminal 1050 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1050, the interface unit 1005 connects a communication channel with the employee terminal 1050 through a messenger protocol based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using a registered online account using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Alternatively, when the online terminal linked banking program is provided in the employee terminal 1050, the interface unit 1005 communicates with the employee terminal 1050 through a dedicated banking protocol based on the TCP / IP protocol. A communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using an online account registered using the corporate financial account as a parent account using a banking protocol defined in the online account linked banking program. to provide.

According to another exemplary embodiment of the present invention, when the employee terminal 1050 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 uses the employee stack based on a protocol stack defined in the wireless communication network. At least an online account that is connected to a terminal 1050 and a predetermined communication channel, and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program included in the employee terminal 1050. It is desirable to provide a communication interface for transmitting and receiving information (or data) for one or more online account based loan request financial transactions.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 1050, the interface unit 1005 may be configured based on the CDMA protocol. 1050 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1050, the interface unit 1005 connects a communication channel with the employee terminal 1050 through a messenger protocol based on at least one wireless communication protocol. It provides a communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using a registered online account using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Alternatively, when the online terminal linked banking program is provided in the employee terminal 1050, the interface unit 1005 communicates with the employee terminal 1050 through a dedicated banking protocol based on at least one wireless communication protocol. A communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using an online account registered with the corporate financial account as a parent account using the dedicated banking protocol defined in the dedicated banking program. to provide.

Referring to FIG. 10, a predetermined employee terminal 1050 accesses the corporate server 1000 through the interface unit 1005 and uses the online account registered with the corporate financial account as a parent account. Upon request, in conjunction with the interface unit 1005, generates a predetermined user interface for receiving predetermined online account-based loan request information for employee loan processing using the online account (or predetermined web source D / B ( Extracted from the drawing), the interface providing unit 1010 for providing to the employee terminal 1050, and input (or select) from the employee terminal 1050 through the user interface in conjunction with the interface unit 1005 Information receiving unit 1015 for receiving the online account-based loan request information to be transmitted and through the online account-based loan request information. The employee certification unit 1025 that authenticates the validity of the loan request of the corporate employee and the loan request amount information and loan repayment condition information included in the online account-based loan request information are linked with the loan request employee's online account information. Information storage unit 1030 stored in a predetermined storage medium 1045, total loan request amount information, corporate financial account information and at least one or more of the sum of the at least one loan request amount information stored in the storage medium 1045 An information generation unit 1035 for generating loan request financial transaction information including loan request amount information for each employee and loan request employee online account information, and the loan request financial transaction information to the corporate financial account through a predetermined communication means. Relaying to the financial company server 1055 that manages the online accounts of at least one corporate employee; When the loan processing result information is received through the information relay unit 1040 and the information relaying unit 1040 that receive loan processing result information corresponding to the loan request financial transaction information from the company server 1055, the interface An information transmitter 1020 that transmits loan processing result information for each loan request employee and employee loan processing result information including the loan amount information to each loan request employee terminal 1050 in association with the unit 1005. It is characterized by comprising.

According to an exemplary embodiment of the present invention, when the employee terminal 1050 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1005 may implement a protocol stack defined in the wired network and / or wireless network. At least one online account-based loan request financing by connecting a predetermined communication channel with the employee terminal 1050 and using a predetermined communication protocol defined in a predetermined online banking program included in the employee terminal 1050. It is desirable to provide a communication interface for transmitting and receiving information (or data) for a transaction.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1050, the interface unit 1005 may be connected to the employee terminal 1050 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1050, the interface unit 1005 connects a communication channel with the employee terminal 1050 through a messenger protocol based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using a registered online account using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1050 is provided with a dedicated banking program provided by the enterprise server 1000, the interface unit 1005 is the employee terminal through a dedicated banking protocol based on the TCP / IP protocol 1050 connects a communication channel and transmits and receives information (or data) for an employee loan processing financial transaction using an online account registered using the corporate financial account as a parent account using a dedicated banking protocol defined in the dedicated banking program. Provides a communication interface for

According to another exemplary embodiment of the present invention, when the employee terminal 1050 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 uses the employee stack based on a protocol stack defined in the wireless communication network. Information (or data) for at least one online account-based loan request financial transaction by connecting a predetermined communication channel to the terminal 1050 and using a communication protocol defined in a dedicated banking program included in the employee terminal 1050. It is desirable to provide a communication interface for transmission and reception.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 1050, the interface unit 1005 may be configured based on the CDMA protocol. Connects a communication channel with a horse 1050, and transmits and receives a web page (e.g., 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

Alternatively, when a predetermined messenger program is provided in the employee terminal 1050, the interface unit 1005 connects a communication channel with the employee terminal 1050 through a messenger protocol based on at least one wireless communication protocol. It provides a communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using a registered online account using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Alternatively, when the online terminal linked banking program is provided in the employee terminal 1050, the interface unit 1005 communicates with the employee terminal 1050 through a dedicated banking protocol based on at least one wireless communication protocol. A communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using an online account registered with the corporate financial account as a parent account using the dedicated banking protocol defined in the dedicated banking program. to provide.

The interface providing unit 1010 is provided in the employee terminal 1050 when a predetermined communication channel is connected between the predetermined employee terminal 1050 and the corporate server 1000 through the interface unit 1005. Input (or select) predetermined online account-based loan request information for employee loan processing using the online account in response to a function configuration (for example, a browser program, a messenger program, or an online account linked banking program). Generate a predetermined user interface that can be transmitted to the enterprise server 1000 through a network means, and / or extract from a predetermined database (not shown), and generate the generated (or predetermined) in conjunction with the interface unit 1005. A user interface extracted from a web source D / B (not shown) of the employee terminal 1050 via the network means It characterized in that it provides.

Thereafter, the employee terminal 1050 inputs (or selects) predetermined online account-based loan request information for employee loan processing using the online account based on the user interface, and inputs (or selects) the online account. The predetermined online account-based loan request information for employee loan processing is transmitted to the enterprise server 1000 through the network means.

According to an embodiment of the present invention, when the employee terminal 1050 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may include a browser program provided in the employee terminal 1050. Alternatively, a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program is generated, and the generated through the interface unit 1005 ( Alternatively, it is preferable to provide a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1050.

According to another exemplary embodiment of the present invention, when the employee terminal 1050 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may include a browser program provided in the employee terminal 1050. And / or generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or an online account linked banking program, and generates the user interface through the interface unit 1005 ( Alternatively, it is preferable to provide a user interface extracted from a predetermined web source D / B (not shown) to the employee terminal 1050.

According to an embodiment of the present invention, the user interface for employee loan processing using a predetermined online account from the employee terminal 1050 in the corporate server 1000, the loan request employee information (or online account information) and the And at least one user interface for inputting (or selecting) a user interface for inputting (or selecting) online account-based loan request information including at least one loan request amount information and loan repayment condition information of an employee. It is preferable.

The information receiving unit 1015 inputs (or selects) predetermined online account-based loan request information for employee loan processing using a predetermined online account from the employee terminal 1050 through the user interface through the network means. When the transmission, in connection with the interface unit 1005 to receive predetermined online account-based loan request information for employee loan processing using the online account, the information received the online account-based loan request information It is provided to the storage unit 1030.

According to an embodiment of the present invention, the online account-based loan request information includes at least one loan request employee information (or online account information), loan request amount information and loan repayment condition information of the loan request employee. desirable.

Here, the loan request employee information is the member ID information, or employee identification information (for example, employee number), or the member registered in the enterprise server 1000 through the online account registration system shown in Figure 1 the loan request employee; It is desirable to include at least one or more names and resident registration numbers of employees.

According to another exemplary embodiment of the present invention, the loan request employee information may further include (or alternatively include) online account information corresponding to the loan request employee, and the present invention is not limited thereto.

In addition, the loan request amount information of the loan request employee, credit loan request amount that the loan request employee requests a credit loan to the financial institution that the online account is opened based on their credit rating, or the loan request employee said It is preferable that the company includes at least one or more collateral loan request amounts for requesting collateral loans to financial institutions in which the online account is opened as collateral for salaries paid to the loan request employees.

In addition, the loan repayment condition information, the loan repayment condition, or when a predetermined salary is paid to the loan request employee in the company, the loan repayment condition to periodically repay a portion of the loan amount in a certain period, or a predetermined period Preferably, at least one loan repayment condition is provided to temporarily repay the loan amount from the amount deposited in the online account.

According to an embodiment of the present invention, the loan repayment condition information includes loan repayment method information including any of partial repayment or collective repayment of loans, at least one loan repayment date and time information, and loan repayment corresponding to the loan repayment date and time. It is preferable to include at least one amount of money information.

When the online account-based loan request information is received from the loan request employee terminal 1050 through the information receiving unit 1015, the employee authentication unit 1025 may provide loan request employee information included in the online account-based loan request information. It is characterized in that for authenticating the validity of the loan request of the corporate employee.

According to the implementation method of the present invention, authenticating the validity of the loan request of the corporate employee through the online account-based loan request information, the employee authentication unit 1025 in conjunction with the storage medium 1045 the online account Preferably, the online account corresponding to the loan request employee information included in the base loan request information includes checking whether the corporate financial account is opened as the parent account, and if the employee's online account is not opened, The employee certification unit 1025 processes to open the employee's online account through the online account registration system shown in FIG.

When the online account-based loan request information is received from the loan request employee terminal 1050 through the information receiving unit 1015 or the validity of the loan request of the corporate employee is authenticated by the employee authentication unit 1025. The information storage unit 1030 connects the loan request amount information and the loan repayment condition information included in the received online account-based loan request information to a predetermined storage medium 1045 in association with the loan account employee's online account information. It is characterized by storing for a certain period.

Thereafter, the information generation unit 1035 includes the total loan request amount information, the corporate financial account information, the at least one loan request amount information, and the loan of the at least one loan request amount information stored in the storage medium 1045. It characterized in that for generating the loan request financial transaction information including the requested employee online account information.

When the information generation unit 1035 generates loan request financial transaction information including total loan request amount information, corporate financial account information, at least one loan request amount information for each employee, and loan request employee online account information, the information is generated. The relay unit 1040 manages the loan request financial transaction information through the predetermined communication means (for example, a dedicated communication network or a secure communication network) of the financial company server 1055 for managing the online account of the corporate financial account and at least one corporate employee. The relay is characterized in that for transmitting.

The information relay unit 1040 may receive loan processing result information corresponding to the loan request financial transaction information from the financial company server 1055 through the communication means. A financial institution certifies (or approves) that the total loan request amount is loaned and deposited into the corporate financial account and that the loan request amount for each employee is withdrawn from the employee online account among the deposited loan amount. It is preferable to include the information.

That is, since the online account is opened in the form of a virtual account registered with the corporate financial account as the parent account through the online account registration system shown in FIG. 1, the loan processing result information is directly loaned to the online account. Rather than the result, it is preferable that the total loan request amount is set to enable the withdrawal of the loan amount for each employee out of the total loan amount through the online account of each loan request employee. Do.

When the loan processing result information is received through the information relay unit 1040, the information transmitting unit 1020 is linked to the interface unit 1005 to provide loan processing result information for each loan request employee and the loan request employee. The employee loan processing result information including the respective loan amount information may be transmitted to each loan request employee terminal 1050.

Referring to FIG. 10, the financial company server 1055 may provide the total loan request amount information, corporate financial account information, at least one loan request amount information and at least one employee request from the corporate server 1000 through the communication means. Receiving the loan request financial transaction information including the online account information, and when the loan request financial transaction is completed based on the loan request financial transaction information, and the loan processing result information corresponding to the loan request financial transaction information to the corporate server ( Approving the loan for the total loan request amount included in the loan request financial transaction information received through the information transmitting and receiving unit 1060 and the information transmitting and receiving unit 1060 in connection with a predetermined financial system in connection with a predetermined financial system A loan approval unit 1065 and, when the loan is approved, a total loan amount corresponding to the total loan request amount to the corporate financial account; Prohibit the loan processing unit 1070 and the on-line processing of the financial transaction to deposit the loan amount corresponding to the loan request amount information for each employee included in the loan request financial transaction information of the total loan amount to the loan request employee online account An account management unit 1075 and a ledger processing unit 1080 for processing a predetermined online account usage history processed by the online account management unit 1075 as a financial transaction history and recording it in a ledger provided in the financial system. Characterized in that made.

The information transmitting / receiving unit 1060 includes the total loan request amount information, corporate financial account information, at least one loan request amount information for each employee, and loan request employee online account information from the corporate server 1000 through the communication means. And receiving the loan request financial transaction information, and providing the received loan request financial transaction information to the loan approval unit 1065, the loan processing unit 1070, and the online account operation unit 1075.

If the loan approval unit 1065, the loan processing unit 1070, and the online account management unit 1075 interoperate with each other to process a loan request corresponding to the loan request financial transaction information, the information transmission / reception unit 1060 may be configured to perform the loan request. And generating (or extracting) loan processing result information corresponding to the loan request financial transaction information and transmitting the loan processing result information to the enterprise server 1000 through the communication means.

According to an exemplary embodiment of the present invention, the loan approval unit 1065 accesses the corporate financial account included in the loan request financial transaction information on the financial system, and the loan request financial transaction for the corporate financial account. By performing a loan screening procedure for the total loan request amount included in the information, it is characterized in that to approve the loan corresponding to the loan request financial transaction information.

According to another exemplary embodiment of the present invention, the loan approval unit 1065 accesses an online account registered with the corporate financial account included in the loan request financial transaction information as a parent account on the financial system, and the online account. By performing a loan screening procedure for the loan request amount for each employee included in the loan request financial transaction information, characterized in that for approving the loan corresponding to the loan request financial transaction information.

Those skilled in the art to which the present invention pertains, will be familiar with the technical features of the loan screening procedure (for example, credit check screening process, or mortgage loan screening process) performed by the loan approval unit 1065. Since it will be, a detailed description thereof will be omitted for convenience.

When the loan is approved for the loan request financial transaction information by the loan approval unit 1065, the loan processing unit 1070 withdraws the total loan amount corresponding to the total loan request amount from a predetermined loan management account. Characterized in that the deposit to the corporate financial account (or financial account corresponding to the parent account of the loan request employee's online account).

Thereafter, the online account management unit 1075 may include the loan request financial transaction information among the total loan amount based on at least one loan request amount information for each employee included in the loan request financial transaction information and loan request employee online account information. It is characterized in that the financial transaction to deposit the loan amount corresponding to the loan request amount information for each employee included in the loan request employee online account.

When the online account based loan request financial transaction corresponding to the online account registered using the corporate financial account as the parent account is processed by the online account manager 1075, the ledger processing unit 1080 performs the online account based loan request financial transaction. Generate an online account history corresponding to the, characterized in that the online account history is matched with the financial transaction details that can be stored in the transaction history defined in the ledger on the financial system.

Thereafter, the ledger processing unit 1080 corresponds to the transaction history corresponding to the online account ledger provided on the financial system with the online account history matched with the financial transaction details that can be stored in the transaction history defined in the ledger on the financial system. It is characterized by storing in the information.

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

In more detail, FIG. 11 illustrates a loan service for a corporate employee using the online account in which the loan request employee terminal 1050 and the enterprise server 1000 in the online account management system for the online account based loan shown in FIG. In the process of providing, in detail, when the loan request employee terminal 1050 of the at least one director provides the online account-based loan request information to the enterprise server 1000, the company server 1000, the online account At least one stored in the storage medium 1045 after storing the loan request amount information and the loan repayment condition information included in the base loan request information in a predetermined storage medium 1045 in association with the online account information of the loan request employee. Total loan request amount information, corporate financial account information and at least one Employees of the loan required by the loan and the loan amount requested information generated requests banking information, including account information online to the Office employees diagram illustrating a process for providing a predetermined bank server (1055).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods for the online account-based loan processing process, but the present invention is inferred from the above It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the loan request employee terminal 1050 on the online account management system shown in FIG. 10 is referred to as a “terminal” for convenience.

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

According to an embodiment of the present invention, when the terminal includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1000 is based on the protocol stack defined in the wired network and / or wireless network. At least one online account-based loan request finance using an online account connected to a predetermined communication channel and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmitting and receiving information (or data) for a transaction.

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

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

Alternatively, when the online account interworking banking program is provided in the terminal, the enterprise server 1000 connects a communication channel with the terminal through a dedicated banking protocol based on the TCP / IP protocol, and interlocks the online account. Provides a communication interface for transmitting and receiving information (or data) for employee loan processing financial transactions using the registered online account using the corporate financial account as a parent account using a banking protocol defined in a banking program.

According to another exemplary embodiment of the present invention, when the terminal includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1000 communicates with the terminal based on a protocol stack defined in the wireless communication network. Information for at least one online account-based loan request financial transaction using an online account connected to a channel and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for (or data) transmission and reception.

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

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

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

Thereafter, the corporate server 1000 generates a predetermined user interface for receiving predetermined online account-based loan request information for employee loan processing using the online account (or predetermined web source D / B (not shown)). Extracted from the terminal) and transmitted to the terminal for output (1105).

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

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

According to the exemplary embodiment of the present invention, the user server for employee loan processing using a predetermined online account from the terminal in the enterprise server 1000 may include the loan request employee information (or online account information) and the loan request employee. And at least one user interface for inputting (or selecting) a user interface for inputting (or selecting) online account-based loan request information including at least one loan request amount information and loan repayment condition information.

Thereafter, the terminal inputs (or selects) predetermined online account-based loan request information through the user interface (1110). If the online account-based loan request information is input (or selected) (1115), the terminal In step 1120, the online account-based loan request information is transmitted to the enterprise server 1000 through the communication channel.

According to an embodiment of the present invention, the online account-based loan request information includes at least one loan request employee information (or online account information), loan request amount information and loan repayment condition information of the loan request employee. desirable.

Here, the loan request employee information is the member ID information, or employee identification information (for example, employee number), or the member registered in the enterprise server 1000 through the online account registration system shown in Figure 1 the loan request employee; It is desirable to include at least one or more names and resident registration numbers of employees.

According to another exemplary embodiment of the present invention, the loan request employee information may further include (or alternatively include) online account information corresponding to the loan request employee, whereby the present invention is not limited thereto.

In addition, the loan request amount information of the loan request employee, credit loan request amount that the loan request employee requests a credit loan to the financial institution that the online account is opened based on their credit rating, or the loan request employee said It is preferable that the company includes at least one or more collateral loan request amounts for requesting collateral loans to financial institutions in which the online account is opened as collateral for salaries paid to the loan request employees.

In addition, the loan repayment condition information, the loan repayment condition, or when a predetermined salary is paid to the loan request employee in the company, the loan repayment condition to periodically repay a portion of the loan amount in a certain period, or a predetermined period Preferably, at least one loan repayment condition is provided to temporarily repay the loan amount from the amount deposited in the online account.

According to an embodiment of the present invention, the loan repayment condition information includes loan repayment method information including any of partial repayment or collective repayment of loans, at least one loan repayment date and time information, and loan repayment corresponding to the loan repayment date and time. It is preferable to include at least one amount of money information.

Thereafter, the corporate server 1000 reads the received online account-based loan request information and checks the validity of loan processing for the corporate employee (1125).

According to the implementation method of the present invention, authenticating the validity of the loan request of the corporate employee through the online account-based loan request information, the employee authentication unit 1025 in conjunction with the storage medium 1045 the online account Preferably, the online account corresponding to the loan request employee information included in the base loan request information includes checking whether the corporate financial account is opened as the parent account, and if the employee's online account is not opened, The employee certification unit 1025 processes to open the employee's online account through the online account registration system shown in FIG.

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

On the other hand, if the validity of the loan processing for the corporate employee is authenticated (1130), the corporate server 1000 may display the loan request amount information and loan repayment condition information included in the online account-based loan request information online of the loan request employee. It is stored in the predetermined storage medium 1045 in association with the account information (1140).

Thereafter, the enterprise server 1000 may include total loan request amount information, corporate financial account information, at least one loan request amount information and at least one employee-specific loan information, sum of at least one loan request amount information stored in the storage medium 1045. Generate loan request financial transaction information including employee online account information (1145), and transmit the generated loan request financial transaction information to the corporate financial account at least through a predetermined communication means (e.g., a dedicated communication network or a secure communication network); The transmission is relayed to the financial company server 1055 managing the online account of one or more corporate employees (1150).

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

In more detail, FIG. 12 shows the financial company server 1055 by performing the online account-based loan request process shown in FIG. 11 in the enterprise server 1000 on the online account management system for the online account-based loan shown in FIG. ) To generate loan request financial transaction information including total loan request amount information, corporate financial account information, at least one loan request amount information for each employee, and loan request employee online account information. In this case, the financial company server 1055 processes the online account-based loan based on the loan request financial transaction information. Specifically, the total loan request amount information and the company included in the loan request financial transaction information. Based on financial account information (e.g., corporate creditworthiness, or Based on the capacity) shows that the loan approval of the employees.

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

Referring to FIG. 12, the financial institution server 1055 performs the online account based loan request process shown in FIG. 11 in the enterprise server 1000 on the online account operating system for the online account based loan shown in FIG. Generate and transmit loan request financial transaction information including total loan request amount information, corporate financial account information, at least one loan request amount information for each employee, and loan request employee online account information; Then, the financial company server 1055 is based on the total loan request amount information and corporate financial account information included in the loan request financial transaction information (eg, based on the credit rating of the company, or the collateral capacity of the company) the loan A loan approval procedure for the requested amount information is performed (1200).

According to an embodiment of the present invention, the financial company server 1055 accesses a corporate financial account on the financial system based on the corporate financial account information included in the loan request financial transaction information, and targets the corporate financial account. It is preferable to approve a loan corresponding to the loan request financial transaction information by performing a loan examination procedure for the total loan request amount included in the loan request financial transaction information.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the loan screening procedure (for example, the credit screening process, or the mortgage screening process), which will be described in detail. Is omitted for convenience.

If the loan approval for the total loan amount is not confirmed as a result of performing the loan approval procedure (1205), the financial institution server 1055 generates predetermined loan request error information and transmits it to the corporate server 1000. (1210), the loan process for the company employees is terminated.

On the other hand, if the loan approval for the total loan amount is confirmed as a result of performing the loan approval procedure (1205), the financial institution server 1055 corresponds to the total loan request amount to the corporate financial account in connection with the financial system. If the total loan amount is deposited (1215), if the total loan amount is deposited into the corporate financial account (1220), the financial company server (1055) is at least one or more employees included in the loan request financial transaction information Check the loan amount for each employee corresponding to the loan request amount for each loan (1225), and each of the online accounts corresponding to at least one employee-specific online account information included in the loan request financial transaction information in connection with the financial system; The loan amount for each employee of the company is deposited (1230).

If it is confirmed that the loan amount for each employee is deposited into the employee online account (1235), the financial company server 1055 generates predetermined loan processing result information and transmits it to the corporate server 1000 (1240).

According to the method of the present invention, the loan processing result information is the online account is opened in the form of a virtual account registered with the corporate financial account as the parent account through the online account registration system shown in Figure 1, the online Rather than direct loan processing result for the account, the total loan request amount is loaned to the corporate financial account, and the loan amount for each employee of the total loan amount can be withdrawn through each loan request employee's online account. It is preferable to include a.

Thereafter, the enterprise server 1000 transmits the loan processing result information for each loan request employee and the employee loan processing result information including the loan amount information for each loan request employee to each loan request employee terminal 1050. (1245).

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

In more detail, FIG. 13 shows the financial company server 1055 by performing the online account based loan request process shown in FIG. 11 in the enterprise server 1000 on the online account operating system for online account based loan shown in FIG. ) To generate loan request financial transaction information including total loan request amount information, corporate financial account information, at least one loan request amount information for each employee, and loan request employee online account information. When transmitting, the financial company server 1055 processes the online account-based loan based on the loan request financial transaction information. Specifically, the loan request for each of the one or more employees included in the loan request financial transaction information. Based on monetary information and employee online account information (e.g., Loan request based on the credit rating of the employee or the loan request employee's salary level) shows the approval of the loan of the employee.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the online account-based loan processing process, but the present invention is inferred from the above It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 13, the financial institution server 1055 performs the online account-based loan request process shown in FIG. 11 in the enterprise server 1000 on the online account operating system for the online account-based loan shown in FIG. 10. Generate and transmit loan request financial transaction information including total loan request amount information, corporate financial account information, at least one loan request amount information for each employee, and loan request employee online account information; Then, the financial company server 1055 is based on the loan request amount information for each of the first (N = 1) employee and the first (N = 1) employee online account information included in the loan request financial transaction information (eg, Loan wins based on the loan request amount information for each employee based on the credit rating of the loan request employees or the salary level of the loan request employees The procedure is performed (1300).

According to the implementation method of the present invention, the financial company server 1055 is based on the online account information for each employee included in the loan request financial transaction information to the online account registered as the parent account on the financial system on the financial system It is preferable to approve the loan corresponding to the loan request financial transaction information by performing a loan examination procedure for the loan request amount for each employee included in the loan request financial transaction information to the online account.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the loan screening procedure (for example, the credit screening process, or the mortgage screening process), which will be described in detail. Is omitted for convenience.

If the loan approval for the loan amount for each first employee is not confirmed as a result of performing the loan approval procedure for the first employee (1305), the financial institution server 1055 is included in the loan request financial transaction information. Based on the loan request amount information for each second (N = N + 1) employee and the online account information for the second (N = N + 1) employee (eg, the credit rating of the loan request employee or the salary level of the loan request employee) Based on the loan approval amount information for each employee (1310).

If the loan approval for the first employee's loan amount is confirmed as a result of performing the loan approval procedure for the first employee (1305), the financial institution server 1055 requests the loan for each employee whose loan approval is confirmed. A predetermined loan amount is calculated by summing the amounts (1315), and the loan approval and loan amount calculation process as described above corresponds to all employee loan amount information and online account information for each employee included in the loan request financial transaction information. Repeatedly execute (x20).

Thereafter, the financial institution server 1055 processes the deposit loan amount into the corporate financial account in connection with the financial system (1325), and if the total loan amount is deposited into the corporate financial account (1330), The financial company server 1055 checks the loan amount for each employee corresponding to the loan request amount for at least one employee included in the loan request financial transaction information (1335), and the loan request financial transaction information in connection with the financial system. A deposit amount for each employee is deposited into each online account corresponding to at least one employee-specific online account information included in the payment (1340).

If it is confirmed that the loan amount for each employee is deposited into the employee online account (1345), the financial company server 1055 generates predetermined loan processing result information and transmits it to the corporate server 1000 (1350).

According to the method of the present invention, the loan processing result information is the online account is opened in the form of a virtual account registered with the corporate financial account as the parent account through the online account registration system shown in Figure 1, the online Rather than direct loan processing result for the account, the total loan request amount is loaned to the corporate financial account, and the loan amount for each employee of the total loan amount can be withdrawn through each loan request employee's online account. It is preferable to include a.

Thereafter, the enterprise server 1000 transmits employee loan processing result information including loan processing result information for each loan request employee and loan request information for each loan request employee to each loan request employee terminal 1050 ( 1355).

14 is a diagram showing the configuration of an online account management system for payroll and repayment of loans using an online account according to an embodiment of the present invention.

In more detail, Figure 14 is a payroll payment process using the online account registered with the corporate financial account corresponding to the online account management company through the online account registration system shown in Figure 1, or after payroll, Regarding the configuration of the online account management system for repaying the predetermined loan repayment amount of the loan amount through the online account management system shown in Figure 10, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 14 to construct an online account management system for payroll using the online account, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 14 according to an embodiment of the present invention, the online account management system may use the online account-based payroll information corresponding to the online account registered through the online account registration system shown in FIG. 1 and the online account. The employee terminal 1450 of the payroll employee who provides the payroll certification information registered to authenticate the payroll used, and is connected to the employee terminal 1450 through a predetermined network means and the employee terminal 1450 A corporate server for processing payroll using the online account through the online account-based payroll payment information and the paycheck authentication information transmitted from the employee terminal 1450 while a predetermined communication channel for providing a company-only service is connected ( 1400) and an online account registered with the corporate financial account as a parent account (for example, And an online account ledger).

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one employee terminal 1450 (eg, a personal computer equipped with the wired Internet access and browsing function) and / or a laptop connected to an IEEE 802.16x based portable Internet, the wireless LAN. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

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

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

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

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

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

According to the present invention, a customer requesting at least one financial transaction through a registered online account using the corporate financial account as a parent account includes at least one of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. One or more employee terminals 1450 are connected to the corporate server 1400 and receive various application services provided by the corporate server 1400.

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

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

According to an embodiment of the present invention, the corporate server 1400 may be provided in the intranet server or the company, in which the employee terminal 1450 is connected through the wired communication network and / or the wireless communication network to process various tasks in the enterprise. Preferably, the bank comprises at least one private banking server. In this case, the enterprise server 1400 stores online account issuance information on the online account registration system shown in FIG. 1 for the online account operation. And preferably linked to 1445.

According to an embodiment of the present invention, the corporate server 1400 is characterized by comprising an interface unit 1405 for connecting and managing a predetermined communication channel with the employee terminal 1450 through the network means.

According to an embodiment of the present invention, when the employee terminal 1450 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1405 may include a protocol stack defined in the wired network and / or a wireless network. Based on the connection between the employee terminal 1450 and a predetermined communication channel, and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program included in the employee terminal 1450. It is desirable to provide a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using an online account.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1450, the interface unit 1405 may be connected to the employee terminal 1450 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1450, the interface unit 1405 connects a communication channel with the employee terminal 1450 through a messenger protocol based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1450 is equipped with the online account linked banking program, the interface unit 1405 is connected to the employee terminal 1450 through an online account linked banking program based on the TCP / IP protocol. Provides a communication interface for connecting and transmitting communication channels and transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using a banking protocol defined in the online account linked banking program. do.

According to another exemplary embodiment of the present invention, when the employee terminal 1450 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is based on the protocol stack defined in the wireless communication network. At least one of an online account connected to a terminal 1450 and a predetermined communication channel, and registered using the corporate financial account as a parent account using a communication protocol defined in a predetermined online banking program included in the employee terminal 1450. It is desirable to provide a communication interface for transmitting and receiving information (or data) for payroll using one or more online accounts.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 1450, the interface unit 1405 may use the employee terminal based on the CDMA protocol. 1450 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1450, the interface unit 1405 connects a communication channel with the employee terminal 1450 through a messenger protocol based on at least one wireless communication protocol. And a communication interface for transmitting and receiving information (or data) for payroll using an online account registered using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1450 is provided with the online account linked banking program, the interface unit 1405 is connected to the employee terminal 1450 through an online account linked banking program based on at least one or more wireless communication protocols. Communication interface for connecting and transmitting a communication channel and transmitting and receiving information (or data) for payroll using an online account registered as the parent financial account using the online account linked banking program defined in the dedicated banking program. To provide.

Referring to FIG. 14, the corporate server 1400 has an employee terminal 1450 of a predetermined salary payment employee connected to the corporate server 1400 through the interface unit 1405 and the corporate financial account as a parent account. When a payroll request using a registered online account is requested, a predetermined user to receive predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account in connection with the interface unit 1405. An interface providing unit 1410 for generating an interface (or extracting from a predetermined web source D / B (not shown)) and providing the interface to the employee terminal 1450, and the employee terminal in cooperation with the interface unit 1405. 1450) receiving the online account-based payroll information and payroll authentication information inputted (or selected) through the user interface and transmitted; A receiving unit 1415, a salary payment authentication unit 1425 that authenticates payment of a predetermined salary to the online account of the corporate employee through the online account-based salary payment information, and the salary payment is authenticated, the online account Corporate financial account information (or parent account information) from which salary is withdrawn from the base payroll information, payment information to be paid to at least one or more employees in the enterprise, and online account information of at least one or more corporate employees to which the payment is deposited. An information generation unit 1435 for generating salary payment financial transaction information including at least one of; and the salary payment financial transaction information and the salary payment authentication information through a predetermined communication means; Relayed to the financial company server (1455) that manages the employee's online account; When the salary payment result information is received through the information relay unit 1440 receiving the salary payment result information corresponding to the salary payment financial transaction information from the company server 1455, the In connection with the interface unit 1405, the salary payment result information for each salary payment target employee and the salary payment statement information including the online account-based salary payment information are transmitted to each salary payment target employee terminal 1450. It is characterized by comprising a portion 1420.

According to an exemplary embodiment of the present invention, when the employee terminal 1450 of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the interface unit 1405 may be connected to the wired network and / or the wireless network. At least one online connection using a predetermined communication protocol defined in a predetermined online banking program included in the employee terminal 1450 and connecting a predetermined communication channel with the employee terminal 1450 based on a defined protocol stack. It is desirable to provide a communication interface for transmitting and receiving information (or data) for payroll using an account.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the employee terminal 1450, the interface unit 1405 may be connected to the employee terminal 1450 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when a predetermined messenger program is provided in the employee terminal 1450, the interface unit 1405 connects a communication channel with the employee terminal 1450 through a messenger protocol based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using an online account registered using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1450 is provided with a dedicated banking program provided by the corporate server 1400, the interface unit 1405 is through the online account linked banking program based on the TCP / IP protocol Information (or data) for salary payment using an online account connected to an employee terminal 1450 and a communication account, and using the online account linked banking program defined in the dedicated banking program as the parent account. Provides a communication interface for transmission and reception.

According to another exemplary embodiment of the present invention, when the employee terminal 1450 of the employee in charge of payroll includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 includes a protocol stack defined in the wireless communication network. For a salary payment using at least one online account by connecting a predetermined communication channel with the employee terminal 1450 and a communication protocol defined in a dedicated banking program provided in the employee terminal 1450 It is desirable to provide a communication interface for transmitting and receiving information (or data).

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the employee terminal 1450, the interface unit 1405 may use the employee terminal based on the CDMA protocol. 1450 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when a predetermined messenger program is provided in the employee terminal 1450, the interface unit 1405 connects a communication channel with the employee terminal 1450 through a messenger protocol based on at least one wireless communication protocol. And a communication interface for transmitting and receiving information (or data) for payroll using an online account registered using the corporate financial account as a parent account using a messenger protocol defined in the messenger program.

Or, if the employee terminal 1450 is provided with the online account linked banking program, the interface unit 1405 is connected to the employee terminal 1450 through an online account linked banking program based on at least one or more wireless communication protocols. Communication interface for connecting and transmitting a communication channel and transmitting and receiving information (or data) for payroll using an online account registered as the parent financial account using the online account linked banking program defined in the dedicated banking program. To provide.

The interface providing unit 1410 is connected to a predetermined communication channel between the employee terminal 1450 and the corporate server 1400 of a predetermined payroll employee through the interface unit 1405, or the corporate financial account When a payroll payment using the registered online account is requested as a parent account, the employee terminal 1450 corresponds to a functional configuration (eg, a browser program, a messenger program, or an online account linked banking program). Generate a predetermined user interface for inputting (or selecting) predetermined online account-based payroll payment information and payroll authentication information for payroll using an online account and transmitting it to the enterprise server 1400 through the network means; And / or extracted from a predetermined database (not shown), and linked with the interface unit 1405. W is characterized in that provided in the generating the staff terminal 1450 (or extracted from a predetermined Web sources D / B (not shown)), a user interface through the network means.

Thereafter, the employee terminal 1450 of the employee in charge of payroll inputs (or selects) predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account based on the user interface, The predetermined online account-based salary payment information and salary payment authentication information for salary payment using the input (or selected) online account are transmitted to the enterprise server 1400 through the network means.

According to an embodiment of the present invention, when the employee terminal 1450 of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the interface provider 1410 is provided in the employee terminal 1450. A predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a browser program and / or a messenger program and / or an online account linked banking program, and the interface unit 1405 is removed. It is preferable to provide the user interface 1450 generated through the user interface (or extracted from a predetermined web source D / B (not shown)).

According to another embodiment of the present invention, when the employee terminal 1450 of the employee in charge of payroll includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 may be connected to the employee terminal 1450. Generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided by the provided browser program and / or messenger program and / or online account linked banking program, and the interface unit 1405 It is preferable to provide the user interface 1450 generated by the user (or extracted from a predetermined web source D / B (not shown)) through the employee terminal (1450).

According to an embodiment of the present invention, the corporate server 1400 inputs (or selects) predetermined online account-based payroll payment information for payroll using a predetermined online account from the employee terminal 1450 of the payroll employee in charge. ) The user interface provided to receive the user interface includes a user interface for inputting (or selecting) salary payment employee information, a user interface for inputting (or selecting) employee's online account information, and input of pay item information for each employee. Input (or select) a user interface, a user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and input of actual payment amount information Comprising at least one or more user interface (or selection) This is preferred.

According to an embodiment of the present invention, the corporate server 1400 receives (or selects) predetermined salary payment authentication information for salary payment using a predetermined online account from the employee terminal 1450 of the salary payment employee. The user interface for providing a user interface includes a user interface for inputting (or selecting) the salary payment employee information and the actual payment amount information from the corporate financial account (eg, the corporate financial account corresponding to the mother account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, and non-repudiation) of withdrawal of funds corresponding to User interface for entering (or selecting) financial transaction authentication information for authenticating nonrepudiation, etc.) An preferably comprises at least one.

The information receiving unit 1415 inputs predetermined online account-based payroll payment information and payroll authentication information for payroll using a predetermined online account through the user interface at the employee terminal 1450 of the payroll employee in charge ( Or select) and transmit the data through the network means to receive predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account in conjunction with the interface unit 1405. .

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

Here, the salary payment target employee information includes at least one member ID information or employee identification information (eg, employee number) registered by the corporate employee in the corporate server 1400, or the name and resident registration number of the employee. It is preferable to make it.

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

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

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

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

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

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

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

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction authentication information shown in FIG. 14, the financial transaction authentication information is the company (or OTP (One Tome Password) generator further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) and / or provided to the company (or payroll staff of the company) It is preferably made further comprising an OTP code generated through.

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 14, the financial transaction authentication information is the salary payment staff terminal 1450 (or On the official certificate information provided on the company (or IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1450, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

When the online account-based salary payment information and salary payment authentication information are received through the information receiving unit 1415, the salary payment authentication unit 1425 is assigned to an online account of the corporate employee through the online account-based payroll payment information. Characterized by performing an in-house certification process for paying the salary.

According to the exemplary embodiment of the present invention, authenticating payment of a predetermined salary to an online account of the company employee through the online account-based payroll payment information is performed by the payroll certification unit 1425 by the storage medium 1445. (Or employee information D / B (not shown)) to check whether the employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to comprise.

In addition, authenticating payment of a predetermined salary to an online account of the company employee through the online account-based salary payment information may include: the salary payment authentication unit 1425 in association with the storage medium 1445. It is preferable to include whether the employee's online account corresponding to the online account information included in the base payroll information is opened with the corporate financial account as a parent account, if the employee's online account is not opened In this case, the payroll certification unit 1425 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating payment of a predetermined salary to an online account of the company employee through the online account-based salary payment information, the salary payment authentication unit 1425 according to the in-company payroll payment process according to the online account It is desirable to include the base payroll information to the employee who owns the right to pay the payroll, and to obtain a corresponding payment.

If the salary payment authentication unit 1425 authenticates that the predetermined salary is paid to the online account of the corporate employee through the online account-based payroll payment information, the information generation unit 1435 is the online account-based payroll payment information. The corporate financial account information (or mother account information) corresponding to a parent account of an online account for an employee of at least one director included in (or withdrawing a predetermined salary to an online account for at least one employee), and the online account At least one or more payment amount information corresponding to the actual payment amount information included in the base salary payment information, and online account information of the employee included in the online account-based salary payment information (or at least one or more of the companies to which the payment amount is deposited) Payroll payments, including at least one employee's online account information) To the generation of the transaction information characterized.

When the payroll financial transaction information including at least one of the corporate financial account information, the payment amount information, and the online account information is generated by the information generation unit 1435, the information relay unit 1440 may use a predetermined communication means ( For example, relaying the salary payment financial transaction information and the salary payment authentication information to a financial company server 1455 that manages the corporate financial account and an online account of at least one corporate employee through a dedicated communication network or a secure communication network). It features.

The information relay unit 1440 may receive salary payment result information corresponding to the salary payment financial transaction information from the financial company server 1455 through the communication means, and the salary payment result information may be used. It is preferable to include information for certifying (or approving) that the payment amount information is withdrawn from the corporate mother account and deposited into the online account of the employee.

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

When the salary payment result information is received from the financial institution server 1455 through the information relay unit 1440, the information transmission unit 1420 is linked to each salary payment target employee in association with the interface unit 1405. The salary payment result information and the predetermined salary payment statement information including the online account-based salary payment information is characterized in that for transmitting to each salary payment target employee terminal 1450.

Referring to FIG. 14, the financial company server 1455 may provide the corporate financial account information (or the parent account information) from the corporate server 1400 and the payment amount information to be paid to at least one or more employees of the company through the communication means. Receiving salary payment financial transaction information and salary payment authentication information including at least one or more online account information of the at least one corporate employee to whom the payment amount is deposited; and based on the salary payment financial transaction information and salary payment authentication information When the payroll financial transaction is completed, the information transmission and reception unit 1460 for transmitting the payroll payment result information corresponding to the payroll payment financial transaction information to the corporate server 1400, and the information transmission and reception in connection with a predetermined financial system Access to the online account based on the payroll financial transaction information received through the unit 1460 An authentication processing unit 1465 for authenticating a salary payment using an online account corresponding to the salary payment financial transaction information through the salary payment authentication information, and the salary payment authentication using the online account as the parent account An online account management unit 1470 that processes payroll using at least one online account using a registered online account, and a predetermined online account history processed by the online account management unit 1470 as financial transaction details. And a ledger processing unit 1475 for processing and recording the ledger provided in the financial system.

The information transmitting and receiving unit 1460 is the corporate financial account information (or parent account information) from the corporate server 1400 through the communication means and the payment amount information to be paid to at least one or more employees in the company, and the payment amount And receiving salary payment financial transaction information and salary payment authentication information including at least one or more online account information of the at least one corporate employee who is deposited, wherein the received salary payment financial transaction information and salary payment authentication information are received. Provides to the authentication processing unit 1465, and also provides the received payroll financial transaction information to the online account management unit 1470.

If the validity of the salary payment authentication information is authenticated by the authentication processing unit 1465 and the salary payment financial transaction is processed by the online account operating unit 1470, the information transmitting and receiving unit 1460 is the salary. The payroll payment result information corresponding to the payment financial transaction information is generated (or extracted) and transmitted to the corporate server 1400 through the communication means.

When the salary payment financial transaction information and salary payment authentication information are received from the corporate server 1400 through the information transmitting and receiving unit 1460, the authentication processing unit 1465 is connected to a predetermined financial system to the information transmitting and receiving unit ( It is characterized in that through the payroll financial transaction information received through the 1460 to access the online account registered on the financial system and the corporate financial account and the corporate financial account as a parent account.

When accessing a registered online account using the corporate financial account as a parent account on the financial system through the payroll financial transaction information, the authentication processing unit 1465 may include the online account information included in the payroll financial transaction information and the pay account. Comparing and authenticating online account ledger information corresponding to a registered online account using a corporate financial account as a parent account, the salary payment using the online account for the online account is authenticated.

In addition, when accessing the corporate financial account corresponding to the parent account of the online account on the financial system through the payroll financial transaction information, the authentication processing unit 1465 the received salary payment authentication information and the corporate financial account Comparing and authenticating the payroll authentication information provided in the account ledger corresponding to the, characterized in that for verifying the payroll using the online account for the online account.

When the payroll is authenticated using the online account for the online account registered by the authentication processing unit 1465 using the corporate financial account as the parent account, the online account operating unit 1470 performs the payroll financial transaction in the corporate financial account. Withdrawal of the payment amount included in the information is characterized in that the processing of payroll using the online account depositing to the registered online account using the corporate financial account as a parent account.

When the payroll using the online account corresponding to the online account registered using the corporate financial account as the parent account is processed by the online account manager 1470, the ledger processor 1475 may apply to the payout using the online account. A corresponding online account history is generated, wherein the online account history is matched with a financial transaction history that can be stored in a transaction defined in the ledger on the financial system.

Thereafter, the ledger processing unit 1475 corresponds to the online account ledger provided on the financial system with the online account history matched with the financial transaction details that can be stored in the transaction defined in the ledger on the financial system. It is characterized by storing in the information.

Referring to FIG. 14, the enterprise server 1400 checks predetermined loan request employee information through an online account management system for loan request shown in FIG. 10 in connection with the storage medium 1445, and the salary. In connection with the payment certification unit 1425, it is characterized in that it comprises an information confirmation unit 1430 for confirming whether a predetermined salary is paid to the loan request employee.

When the information check unit 1430 confirms that a predetermined salary is paid to the loan request employee, the information generation unit 1435 repays the loan corresponding to the loan request employee in association with the storage medium 1445. Check the condition information and generate the loan payment reimbursement information including the predetermined loan repayment amount information corresponding to the loan repayment condition information and the online account information for which the loan is repaid, in the payroll financial transaction information; The information relay unit 1440 relays salary payment financial transaction information further including the loan repayment information to the financial company server 1455, and correspondingly provided to the financial company server 1455. The online account management unit 1470 is provided with the loan repayment information among the salary deposited into the online account of the loan request employee. It is characterized by further performing a financial transaction to repay the included loan repayment amount.

Referring to FIG. 14, the enterprise server 1400 checks predetermined loan request employee information through an online account management system for a loan request shown in FIG. 10 in connection with the storage medium 1445. In connection with the relay unit 1440 and / or information transmission unit 1420, characterized in that it comprises an information confirmation unit 1430 for confirming whether a predetermined salary is paid to the loan request employee.

When it is confirmed by the information checking unit 1430 that a predetermined salary is already paid to the loan request employee, the information generating unit 1435 is linked to the storage medium 1445 and the loan corresponding to the loan request employee Check the repayment condition information and generate predetermined loan repayment financial transaction information including predetermined loan repayment amount information corresponding to the loan repayment condition information and online account information for which the loan is repaid; The information relay unit 1440 relays the loan repayment financial transaction information to the financial company server 1455, and in response, the online account manager 1470 provided in the financial company server 1455 provides the loan repayment financial transaction. Loan repayment amount included in the loan repayment information among salaries deposited to the loan request employee's online account based on the information The features that perform financial transactions to repay.

15 is a diagram illustrating a salary payment request process for repaying a loan in an online account-based salary payment process according to an embodiment of the present invention.

In more detail, in FIG. 15, the payroll employee terminal 1450 and the company server 1400 in the online account management system for paying the loan and repaying the loan are shown in FIG. Regarding the salary payment request process for the salary payment used, specifically, when the salary payment employee terminal 1450 provides the online account-based salary payment information and salary payment authentication information to the company server 1400, the company The server 1400 authenticates the payment of a predetermined salary to the online account of the corporate employee through the online account-based salary payment information, and the corporate financial account information (or the parent account information) and the company according to the authentication result. Information on the amount of payment to be paid to at least one or more employees, and at least After generating payroll financial transaction information including at least one or more online account information of the corporate employee, the payroll financial transaction information further includes loan payment repayment information for the loan request employee and the payroll authentication information and A diagram illustrating a process of providing the predetermined financial institution server 1455 together.

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

Hereinafter, in FIG. 15, the employee terminal 1450 for payroll on the online account management system shown in FIG. 14 is referred to as a “terminal” for convenience.

Referring to FIG. 15, the terminal accesses the corporate server 1400 through a predetermined network means, connects a communication channel for payroll using the online account, and the corporate server 1400 through the communication channel. Request an online account-based payroll service for the corporate employee (eg, select an online account-based payroll menu) (1500).

According to an embodiment of the present invention, when the terminal of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1400 may include a protocol stack defined in the wired network and / or wireless network. Information (or data) for connecting to a terminal and a predetermined communication channel based on the salary payment using at least one online account using a predetermined communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmission and reception.

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

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

Alternatively, when the terminal is provided with a dedicated banking program provided by the corporate server 1400, the corporate server 1400 communicates with the terminal through an online account linked banking program based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using an online account linked banking program defined in the dedicated banking program. .

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1400 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the terminal, and providing a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using a communication protocol defined in the dedicated banking program provided in the terminal It is preferable.

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

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

Alternatively, when the online account interlocking banking program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through an online account interlocking banking program based on at least one wireless communication protocol, Provides a communication interface for transmitting and receiving information (or data) for payroll using the online account registered with the corporate financial account as a parent account using the online account linked banking program defined in the banking program.

Thereafter, the corporate server 1400 generates a predetermined user interface for receiving predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account (or a predetermined web source D / B). (Not shown) to be transmitted to the terminal for output (1505).

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

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

According to an embodiment of the present invention, the corporate server 1400 provides to receive (or select) predetermined online account-based payroll payment information for payroll using a predetermined online account from a terminal of the payroll employee in charge. The user interface includes a user interface for inputting (or selecting) salary payment target employee information, a user interface for inputting (or selecting) employee online account information, and input (or selection) of pay item information for each employee. A user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and inputting (or selecting) actual payment amount information It is preferable to include at least one or more such as a user interface to All.

According to an embodiment of the present invention, a user providing the corporate server 1400 to receive (or select) predetermined salary payment authentication information for salary payment using a predetermined online account from a terminal of the salary payment employee. The interface includes a user interface for inputting (or selecting) the salary payment employee information, and an amount corresponding to the actual payment amount information from the corporate financial account (for example, a corporate financial account corresponding to the parent account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of financial transactions withdrawn and deposited into the online account corresponding to the payable employee. A user interface for inputting (or selecting) financial transaction authentication information for authentication. It is preferable to include one or more.

Thereafter, the terminal inputs (or selects) predetermined online account-based payroll payment information and payroll authentication information through the user interface (1510), if the online account-based paycheck information and payroll authentication information are input ( Or (optional) (1515), the terminal transmits the online account-based payroll payment information and payroll authentication information to the enterprise server 1400 through the communication channel (1520).

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

Here, the salary payment target employee information includes at least one member ID information or employee identification information (eg, employee number) registered by the corporate employee in the corporate server 1400, or the name and resident registration number of the employee. It is preferable to make it.

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

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

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

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

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

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

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

In addition, the financial transaction authentication information is characterized in that the financial transaction for the payroll is made through a non-face-to-face channel, the financial transaction authentication information is the company (in the process of opening the company financial account) Or at least one security code information provided on the security card provided to the payroll employee of the company) and / or provided to the company (or payroll employee of the company). It is preferable to further comprise an OTP code generated through the generator.

In addition, the financial transaction for salary payment is characterized in that the non-face-to-face financial transaction is made in the payroll financial transaction shown in Figure 15, the financial transaction authentication information is the salary payment staff terminal 1450 (or On the official certificate information provided on the company (or IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1450, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

Thereafter, the corporate server 1400 reads the received online account-based payroll payment information to check the payroll validity of the company employee (1525).

According to the implementation method of the present invention, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based payroll payment information, the corporate server 1400 is the storage medium 1445 ( Or confirming whether an employee corresponding to the salary-based employee information included in the online account-based salary payment information in connection with the employee information D / B (not shown) is a valid employee included in the salary payment target of the company. It is preferable to make it.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information may be performed by the corporate server 1400 in connection with the storage medium 1445. Preferably, the employee's online account corresponding to the online account information included in the payment information includes checking whether the corporate financial account is opened with the parent account, and if the employee's online account is not opened, The corporate server 1400 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating that a predetermined salary is paid to an online account of the company employee through the online account-based payroll payment information, the company server 1400 according to the paycheck payment procedure in the company based on the online account-based pay It is preferable that the payment information is provided to the employee who owns the right to pay the salary, and to obtain a corresponding payment.

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

On the other hand, if the salary payment validity for the corporate employee is authenticated (1530), the corporate server 1400 corresponds to (or at least at least the parent account of the online account for the employee of at least one director included in the online account-based payroll information) At least one payment amount information corresponding to the corporate financial account information (or the mother account information) that pays a predetermined salary to an online account for one or more employees, and the actual payment amount information included in the online account-based payroll information; And payroll financial transaction information including at least one employee's online account information (or at least one employee's online account information in which the payment amount is deposited) included in the online account-based payroll payment information. 1540, the payroll financial transaction in connection with the storage medium 1445. Check the information on the loan repayment terms loan request to the employees based on the online account information contained in (1545).

If the loan repayment condition information for the loan request employee is not confirmed (1550), the company server 1400 is the company pays the salary payment financial transaction information and the salary payment authentication information through a predetermined communication means; The financial account and the corporate employee are transmitted to the financial company server 1455 that can be linked to the ledger corresponding to the online account (1565).

On the other hand, when the loan repayment condition information for the loan request employee is confirmed (1550), the enterprise server 1400 includes predetermined loan repayment amount information corresponding to the loan repayment condition information and online account information to which the loan is repaid. And generate predetermined loan repayment information (1555), add the generated loan repayment information to the payroll financial transaction information (1560), and generate the payroll financial transaction information through a predetermined communication means. The salary payment authentication information is transmitted to a financial company server 1455 that can be linked to the ledger corresponding to the corporate financial account and the corporate employee online account (1565).

16 is a diagram illustrating a salary payment request process for repaying a loan in an online account-based salary payment process according to another embodiment of the present invention.

In more detail, in FIG. 16, the payroll employee terminal 1450 and the enterprise server 1400 in the online account management system for paying the loan and repaying the loan are shown in FIG. Regarding the salary payment request process for the salary payment used, in detail, when the salary paying employee terminal 1450 provides the online account-based salary payment information to the corporate server 1400, the corporate server 1400. Certifies that a predetermined salary is paid to the online employee's online account through the online account-based payroll payment information, and to corporate financial account information (or parent account information) and at least one or more employees of the company according to the authentication result. Payment amount information to be paid and at least one of the companies to which the payment amount is deposited. After generating in the payroll financial transaction information including at least one original online account information, the payroll financial transaction information further includes loan payment repayment information for the loan request employee, and the payroll financial transaction information; A diagram illustrating a process of providing the predetermined financial institution server 1455 with predetermined salary payment authentication information provided from the employee terminal 1450.

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

Hereinafter, in FIG. 16, the employee terminal 1450 for payroll in charge on the online account management system shown in FIG. 14 is referred to as a “terminal” for convenience.

Referring to FIG. 16, the terminal accesses the corporate server 1400 through a predetermined network means, connects a communication channel for payroll using the online account, and the corporate server 1400 through the communication channel. Request an online account-based payroll service for the corporate employee (eg, select an online account-based payroll menu) (1600).

According to an embodiment of the present invention, when the terminal of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1400 may include a protocol stack defined in the wired network and / or wireless network. Information (or data) for connecting to a terminal and a predetermined communication channel based on the salary payment using at least one online account using a predetermined communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmission and reception.

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

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

Alternatively, when the terminal is provided with a dedicated banking program provided by the corporate server 1400, the corporate server 1400 communicates with the terminal through an online account linked banking program based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using an online account linked banking program defined in the dedicated banking program. .

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1400 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the terminal, and providing a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using a communication protocol defined in the dedicated banking program provided in the terminal It is preferable.

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

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

Alternatively, when the online account interlocking banking program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through an online account interlocking banking program based on at least one wireless communication protocol, Provides a communication interface for transmitting and receiving information (or data) for payroll using the online account registered with the corporate financial account as the parent account using the online account linked banking program defined in the banking program.

Thereafter, the corporate server 1400 generates a predetermined user interface for receiving predetermined online account-based payroll payment information for payroll using the online account (or from a predetermined web source D / B (not shown)). Extraction), and transmits the extracted information to the terminal (1605).

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

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

According to an embodiment of the present invention, the corporate server 1400 provides to receive (or select) predetermined online account-based payroll payment information for payroll using a predetermined online account from a terminal of the payroll employee in charge. The user interface includes a user interface for inputting (or selecting) salary payment target employee information, a user interface for inputting (or selecting) employee online account information, and input (or selection) of pay item information for each employee. A user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and inputting (or selecting) actual payment amount information It is preferable to include at least one or more such as a user interface to All.

Thereafter, the terminal inputs (or selects) predetermined online account-based payroll information through the user interface (1610). If the online account-based payroll information is input (or selects) (1615), the terminal In operation 1620, the online account-based payroll payment information is transmitted to the enterprise server 1400 through the communication channel.

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

Here, the salary payment target employee information includes at least one member ID information or employee identification information (eg, employee number) registered by the corporate employee in the corporate server 1400, or the name and resident registration number of the employee. It is preferable to make it.

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

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

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

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

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

Thereafter, the corporate server 1400 reads the received online account-based payroll payment information and checks the payroll validity of the company employee (1625).

According to the implementation method of the present invention, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1400 is the storage medium (1445) (or In connection with employee information D / B (not shown), including checking whether an employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to make.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information may be performed by the corporate server 1400 in connection with the storage medium 1445. Preferably, the employee's online account corresponding to the online account information included in the payment information includes checking whether the corporate financial account is opened with the parent account, and if the employee's online account is not opened, The corporate server 1400 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating that a predetermined salary is paid to an online account of the company employee through the online account-based payroll payment information, the company server 1400 according to the paycheck payment procedure in the company based on the online account-based pay It is preferable that the payment information is provided to the employee who owns the right to pay the salary, and to obtain a corresponding payment.

If the salary payment validity for the corporate employee is not authenticated (1630), the corporate server 1400 generates a predetermined online account-based salary payment error information and transmits it to the terminal (1635), after which the terminal The process of providing the valid online account-based payroll information to the corporate server 1400 is repeated.

On the other hand, if the salary payment validity for the corporate employee is authenticated (1630), the corporate server 1400 corresponds to (or at least at least the parent account of the online account for the employee of at least one director included in the online account-based payroll information) At least one payment amount information corresponding to the corporate financial account information (or the mother account information) that pays a predetermined salary to an online account for one or more employees, and the actual payment amount information included in the online account-based payroll information; And payroll financial transaction information including at least one employee's online account information (or at least one employee's online account information in which the payment amount is deposited) included in the online account-based payroll payment information. 1640, the payroll financial transaction in connection with the storage medium 1445 Check the information on the loan repayment terms loan request to the employees based on the online account information included in 1645.

If the loan repayment condition information for the loan request employee is not confirmed (1650), the enterprise server 1400 is a predetermined user for receiving predetermined salary payment authentication information for authenticating the salary payment using the online account An interface is generated (or extracted from a predetermined web source D / B (not shown)) and transmitted to the terminal for output (1665).

According to an embodiment of the present invention, a user providing the corporate server 1400 to receive (or select) predetermined salary payment authentication information for salary payment using a predetermined online account from a terminal of the salary payment employee. The interface includes a user interface for inputting (or selecting) the salary payment employee information, and an amount corresponding to the actual payment amount information from the corporate financial account (for example, a corporate financial account corresponding to the parent account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of financial transactions withdrawn and deposited into the online account corresponding to the payable employee. A user interface for inputting (or selecting) financial transaction authentication information for authentication. And preferably it comprises at least.

Thereafter, the terminal inputs (or selects) predetermined salary payment authentication information through the user interface (1670). If the salary payment authentication information is input (or selected) (1675), the terminal transmits the communication channel. The payroll authentication information is transmitted to the enterprise server 1400 through 1680.

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

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

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction authentication information shown in Figure 16, the financial transaction authentication information is the company (or in the process of opening the corporate financial account) OTP (One Tome Password) generator further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) and / or provided to the company (or payroll staff of the company) It is preferably made further comprising an OTP code generated through.

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 16, the financial transaction authentication information is the salary payment staff terminal 1450 (or On the official certificate information provided on the company (or IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1450, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

Thereafter, the corporate server 1400 may connect the generated payroll financial transaction information and the payroll authentication information with a ledger corresponding to the corporate financial account and the corporate employee online account through a predetermined communication means. (1685).

On the other hand, when the loan repayment condition information for the loan request employee is confirmed (1650), the enterprise server 1400 includes predetermined loan repayment amount information corresponding to the loan repayment condition information and online account information to which the loan is repaid. Generate predetermined loan repayment information (1655), add the generated loan repayment information to the payroll financial transaction information (1660), and then prescribe a predetermined paycheck for authenticating payroll using the online account. A predetermined user interface for receiving authentication information is generated (or extracted from a predetermined web source D / B (not shown)) and transmitted to the terminal for output (1665).

Thereafter, the terminal inputs (or selects) predetermined salary payment authentication information through the user interface (1670). If the salary payment authentication information is input (or selected) (1675), the terminal transmits the communication channel. The payroll authentication information is transmitted to the enterprise server 1400 through 1680.

Thereafter, the corporate server 1400 may connect the generated payroll financial transaction information and the payroll authentication information with a ledger corresponding to the corporate financial account and the corporate employee online account through a predetermined communication means. (1685).

17 is a diagram illustrating a process of repaying a loan in an online account-based payroll process according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates an online account-based payroll request process shown in FIGS. 15 and / or 16 in an enterprise server 1400 on an online account operating system for paying an online account based on FIG. 14. When the salary payment financial transaction information and salary payment authentication information are transmitted to the financial company server 1455 through the salary payment authentication information, the online account-based salary payment validity is authenticated, and the salary payment financial transaction is performed according to the authentication result. The process of processing the financial transaction for the online account-based payroll through the information, if the person of ordinary skill in the art to which the present invention pertains, referring to and / or modifying this figure 17 based on the online account Various implementation methods for the payroll processing process may be inferred, but the present invention is inferred from the above. All implementation methods are included, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 17, through the online account-based payroll request process shown in FIG. 15 and / or FIG. 16 from the enterprise server 1400 on the online account operating system for paying an online account based on FIG. Salary payment including at least one corporate financial account information (or parent account information), payment amount information to be paid to at least one or more employees in the company, and online account information of at least one or more corporate employees to which the payment amount is deposited When the financial transaction information and the salary payment authentication information are received, the financial company server 1455 verifies the validity of the online account-based payroll financial transaction through the salary payment financial transaction information and the salary payment authentication information (1700).

According to an embodiment of the present invention, the financial company server 1455 registers the corporate financial account and the corporate financial account as a parent account on the financial system through the received payroll financial transaction information in connection with the financial system. Accessing the online account, and comparing and authenticating the online account information included in the payroll financial transaction information with the online account ledger information corresponding to the online account registered with the corporate financial account as a parent account, thereby It is advisable to certify payroll using an online account.

In addition, when the corporate financial account corresponding to the mother account of the online account is accessed on the financial system through the payroll financial transaction information, the financial company server 1455 may receive the received salary payment authentication information and the corporate financial account. By comparing and authenticating the salary payment authentication information provided in the account ledger corresponding to, it is preferable to authenticate the salary payment using the online account for the online account.

If the validity of the online account-based payroll financial transaction is not authenticated (1705), the financial institution server 1455 generates predetermined payroll error information and transmits it to the corporate server 1400 (1710). Stop online account-based payroll financial transactions.

On the other hand, if the validity of the online account-based payroll financial transaction is not authenticated (1705), the financial institution server 1455 processes the online account-based financial transaction through the payroll financial transaction information (1715).

According to the implementation method of the present invention, the financial company server 1455 withdraws the payment amount included in the payroll financial transaction information from the corporate financial account based on the payroll financial transaction information to the corporate financial account as a parent account; It is preferable to process payroll using an online account which deposits to a registered online account.

If the online account-based financial transaction is processed (1720), the financial institution server 1455 checks whether the payout repayment information is included in the payroll financial transaction information (1725).

If the payroll financial transaction information does not include the loan repayment information (1730), the financial institution server 1455 generates predetermined payroll payment result information and transmits the predetermined payroll payment result information to the corporate server 1400 (1735).

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

Thereafter, the corporate server 1400 transfers the salary payment result information for each salary payment target employee and the predetermined salary payment statement information including the online account-based salary payment information to each salary payment target employee terminal 1450. Transmit (1755).

On the other hand, if the salary payment financial transaction information includes the loan repayment information (1730), the financial institution server 1455 repays a predetermined loan from the salary deposited into the online account of the loan request employee in response to the loan repayment information The money is repaid (1740).

If the loan repayment processing is confirmed (1745), the financial company server 1455 generates the payroll payment result information including the loan repayment processing information and transmits to the company server 1400 (1750), the company server In operation 1755, the salary payment result information for each salary payment target employee and the predetermined salary payment statement information including the online account-based salary payment information are transmitted to the salary payment employee terminal 1450 (1755).

18 is a diagram illustrating a payroll request process for repayment of a loan after an online account-based payroll according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates an online account in which the payroll employee terminal 1450 and the enterprise server 1400 are interconnected with each other in the online account management system for paying the loan and repaying the loan. Regarding the salary payment request process for salary payment using the, in detail, the salary payment employee terminal 1450 provides the online account-based salary payment information and salary payment authentication information to the enterprise server 1400. The corporate server 1400 authenticates payment of a predetermined salary to the online account of the corporate employee through the online account-based payroll payment information, and according to the authentication result, the corporate financial account information (or the parent account information) and the company Information on the amount of payment to be paid to at least one or more employees, and at least It is more than a diagram illustrating a process of providing payroll banking information and the payroll authentication information including an online account information of the company employees more than at least one of the predetermined bank server (1455).

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to infer various implementation methods for the online account-based payroll request process, but the present invention infers the above. It is made including all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in this figure 18, the salary payment executive employee terminal 1450 on the online account management system shown in FIG. 14 is referred to as a "terminal" for convenience.

Referring to FIG. 18, the terminal accesses the corporate server 1400 through a predetermined network means, connects a communication channel for payroll using the online account, and the corporate server 1400 through the communication channel. Request an online account-based payroll service for the corporate employee (eg, select an online account-based payroll menu) (1800).

According to an embodiment of the present invention, when the terminal of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1400 may include a protocol stack defined in the wired network and / or wireless network. Information (or data) for connecting to a terminal and a predetermined communication channel based on the salary payment using at least one online account using a predetermined communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmission and reception.

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

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

Alternatively, when the terminal is provided with a dedicated banking program provided by the corporate server 1400, the corporate server 1400 communicates with the terminal through an online account linked banking program based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using an online account linked banking program defined in the dedicated banking program. .

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1400 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the terminal, and providing a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using a communication protocol defined in the dedicated banking program provided in the terminal It is preferable.

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

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

Alternatively, when the online account interlocking banking program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through an online account interlocking banking program based on at least one wireless communication protocol, Provides a communication interface for transmitting and receiving information (or data) for payroll using the online account registered with the corporate financial account as the parent account using the online account linked banking program defined in the banking program.

Thereafter, the corporate server 1400 generates a predetermined user interface for receiving predetermined online account-based payroll payment information and payroll authentication information for payroll using the online account (or a predetermined web source D / B). (Not shown) to be transmitted to the terminal for output (1805).

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

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

According to an embodiment of the present invention, the corporate server 1400 provides to receive (or select) predetermined online account-based payroll payment information for payroll using a predetermined online account from a terminal of the payroll employee in charge. The user interface includes a user interface for inputting (or selecting) salary payment target employee information, a user interface for inputting (or selecting) employee online account information, and input (or selection) of pay item information for each employee. A user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and inputting (or selecting) actual payment amount information It is preferable to include at least one or more such as a user interface to All.

According to an embodiment of the present invention, a user providing the corporate server 1400 to receive (or select) predetermined salary payment authentication information for salary payment using a predetermined online account from a terminal of the salary payment employee. The interface includes a user interface for inputting (or selecting) the salary payment employee information, and an amount corresponding to the actual payment amount information from the corporate financial account (for example, a corporate financial account corresponding to the parent account of the online account). Effectiveness of financial transactions withdrawn and deposited into the online account corresponding to the payroll employee (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) User interface for inputting (or selecting) financial transaction authentication information for It is preferable to include one or more.

Thereafter, the terminal inputs (or selects) predetermined online account-based payroll payment information and payroll authentication information through the user interface (1810), if the online account-based paycheck information and payroll authentication information are input ( Or (optional) (1815), the terminal transmits the online account-based payroll payment information and payroll authentication information to the enterprise server 1400 through the communication channel (1820).

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

Here, the salary payment target employee information, at least one or more member ID information, or employee identification information (for example, employee number) registered in the corporate server 1400, or the employee's name and resident registration number, etc. It is preferable to comprise.

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

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

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

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

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

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

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

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction authentication information shown in Figure 18, the financial transaction authentication information is the company (or in the process of opening the corporate financial account) OTP (One Tome Password) generator further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) and / or provided to the company (or payroll staff of the company) It is preferably made further comprising an OTP code generated through.

In addition, the financial transaction for salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 18, the financial transaction authentication information is the salary payment staff terminal 1450 (or On the official certificate information provided on the company (or IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1450, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

Thereafter, the corporate server 1400 reads the received online account-based payroll payment information and verifies the payroll validity of the company employee (1825).

According to the implementation method of the present invention, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1400 is the storage medium (1445) (or In connection with employee information D / B (not shown), including checking whether an employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to make.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information may be performed by the corporate server 1400 in connection with the storage medium 1445. Preferably, the employee's online account corresponding to the online account information included in the payment information includes checking whether the corporate financial account is opened with the parent account, and if the employee's online account is not opened, The corporate server 1400 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating that a predetermined salary is paid to an online account of the company employee through the online account-based payroll payment information, the company server 1400 according to the paycheck payment procedure in the company based on the online account-based pay It is preferable that the payment information is provided to the employee who owns the right to pay the salary, and to obtain a corresponding payment.

If the salary payment validity for the corporate employee is not authenticated (1830), the corporate server 1400 generates a predetermined online account-based salary payment error information and transmits it to the terminal (1835), after which the terminal The process of providing the valid online account-based payroll information and payroll authentication information to the enterprise server 1400 is repeated.

On the other hand, if the salary payment validity for the corporate employee is authenticated (1830), the corporate server 1400 corresponds to (or at least at least the parent account of the online account for the employee of at least one director included in the online account-based payroll information) At least one payment amount information corresponding to the corporate financial account information (or the mother account information) that pays a predetermined salary to an online account for one or more employees, and the actual payment amount information included in the online account-based payroll information; And payroll financial transaction information including at least one employee's online account information (or at least one employee's online account information in which the payment amount is deposited) included in the online account-based payroll payment information. 1840, the generated payroll financial transaction information through a predetermined communication means And the salary payment authentication information to the financial company server 1455 that can be linked to the ledger corresponding to the corporate financial account and the corporate employee online account (1845).

19 is a diagram illustrating a payroll request process for repaying a loan after an online account-based payroll according to another embodiment of the present invention.

In more detail, in FIG. 19, the payroll employee terminal 1450 and the corporate server 1400 in the online account management system for paying the loan and repaying the loan are shown in FIG. Regarding the payroll request process for payroll used, in detail, when the payroll employee terminal 1450 provides the online account-based payroll payment information to the company server 1400, the pay server 100 Certified to pay a predetermined salary to the corporate employee's online account through the online account-based payroll payment information, and to the corporate financial account information (or parent account information) and at least one or more employees in the company according to the authentication result Payment amount information and at least one or more companies to which the payment amount is deposited; After generating payroll financial transaction information including at least one of the original online account information, the payroll financial transaction information and the predetermined payroll authentication information provided from the employee terminal 1450, the predetermined financial company server (1455) Figure is a diagram showing a process provided by.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to infer various implementation methods for the online account-based payroll request process, but the present invention infers the above. It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the employee terminal 1450 for payroll on the online account management system shown in FIG. 14 is referred to as a "terminal" for convenience.

Referring to FIG. 19, the terminal accesses the corporate server 1400 through a predetermined network means, connects a communication channel for payroll using the online account, and the corporate server 1400 through the communication channel. Request an online account-based payroll service for the corporate employee (eg, select an online account-based payroll menu) (1900).

According to an embodiment of the present invention, when the terminal of the employee in charge of payroll includes a wired terminal connected to a predetermined wired communication network, the enterprise server 1400 may include a protocol stack defined in the wired network and / or wireless network. Information (or data) for connecting to a terminal and a predetermined communication channel based on the salary payment using at least one online account using a predetermined communication protocol defined in a predetermined online banking program provided in the terminal. It is desirable to provide a communication interface for transmission and reception.

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

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

Alternatively, when the terminal is provided with a dedicated banking program provided by the corporate server 1400, the corporate server 1400 communicates with the terminal through an online account linked banking program based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for payroll using a registered online account using the corporate financial account as a parent account using an online account linked banking program defined in the dedicated banking program. .

According to another embodiment of the present invention, when the terminal of the payroll employee in charge includes a wireless terminal connected to a predetermined wireless communication network, the enterprise server 1400 is based on the protocol stack defined in the wireless communication network. Connecting a predetermined communication channel with the terminal, and providing a communication interface for transmitting and receiving information (or data) for payroll using at least one online account using a communication protocol defined in the dedicated banking program provided in the terminal It is preferable.

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

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

Alternatively, when the online account interlocking banking program is provided in the terminal, the enterprise server 1400 connects a communication channel with the terminal through an online account interlocking banking program based on at least one wireless communication protocol, Provides a communication interface for transmitting and receiving information (or data) for payroll using the online account registered with the corporate financial account as a parent account using the online account linked banking program defined in the banking program.

Thereafter, the corporate server 1400 generates a predetermined user interface for receiving predetermined online account-based payroll payment information for payroll using the online account (or from a predetermined web source D / B (not shown)). Extraction), and transmits the extracted information to the terminal (1905).

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

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

According to an embodiment of the present invention, the corporate server 1400 provides to receive (or select) predetermined online account-based payroll payment information for payroll using a predetermined online account from a terminal of the payroll employee in charge. The user interface includes a user interface for inputting (or selecting) salary payment target employee information, a user interface for inputting (or selecting) employee online account information, and input (or selection) of pay item information for each employee. A user interface for inputting (or selecting) salary amount information for each salary item, a user interface for inputting (or selecting) total salary amount information of the employee, and inputting (or selecting) actual payment amount information It is preferable to include at least one or more user interface, such as The.

Thereafter, the terminal inputs (or selects) predetermined online account-based payroll information through the user interface (1910). If the online account-based payroll information is input (or selected) (1915), the terminal The 1920 transmits the online account-based payroll payment information to the enterprise server 1400 through the communication channel (1920).

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

Here, the salary payment target employee information includes at least one member ID information or employee identification information (eg, employee number) registered by the corporate employee in the corporate server 1400, or the name and resident registration number of the employee. It is preferable to make it.

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

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

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

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

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

Thereafter, the corporate server 1400 reads the received online account-based salary payment information and checks the salary payment validity of the corporate employee (1925).

According to the implementation method of the present invention, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information, the corporate server 1400 is the storage medium (1445) (or In connection with employee information D / B (not shown), including checking whether an employee corresponding to the salary-based employee information included in the online account-based salary payment information is a valid employee included in the salary payment target of the company. It is preferable to make.

In addition, authenticating payment of a predetermined salary to an online account of the corporate employee through the online account-based salary payment information may be performed by the corporate server 1400 in connection with the storage medium 1445. Preferably, the employee's online account corresponding to the online account information included in the payment information includes checking whether the corporate financial account is opened with the parent account, and if the employee's online account is not opened, The corporate server 1400 processes to open the employee's online account through the online account registration system shown in FIG.

In addition, authenticating that a predetermined salary is paid to an online account of the company employee through the online account-based payroll payment information, the company server 1400 according to the paycheck payment procedure in the company based on the online account-based pay It is preferable that the payment information is provided to the employee who owns the right to pay the salary, and to obtain a corresponding payment.

If the salary payment validity for the corporate employee is not authenticated (1930), the corporate server 1400 generates a predetermined online account-based salary payment error information and transmits it to the terminal (1935), after which the terminal The process of providing the valid online account-based payroll information to the corporate server 1400 is repeated.

On the other hand, if the salary payment validity for the corporate employee is authenticated (1930), the corporate server 1400 corresponds to (or at least at least the parent account of the online account for the employee of at least one director included in the online account-based salary payment information) At least one payment amount information corresponding to the corporate financial account information (or the mother account information) that pays a predetermined salary to an online account for one or more employees, and the actual payment amount information included in the online account-based payroll information; And payroll financial transaction information including at least one online account information of an employee included in the online account-based payroll information (or at least one online account information of the at least one corporate employee to whom the payment amount is deposited). (1940).

Thereafter, the enterprise server 1400 generates a predetermined user interface for receiving predetermined salary payment authentication information for authenticating the salary payment using the online account (or from a predetermined web source D / B (not shown)). Extract it, transmit it to the terminal, and output it (1945).

According to an embodiment of the present invention, a user providing the corporate server 1400 to receive (or select) predetermined salary payment authentication information for salary payment using a predetermined online account from a terminal of the salary payment employee. The interface includes a user interface for inputting (or selecting) the salary payment employee information, and an amount corresponding to the actual payment amount information from the corporate financial account (for example, a corporate financial account corresponding to the parent account of the online account). Validity of financial transactions (e.g., confidentiality, authentication, integrity, nonrepudiation, etc.) of financial transactions withdrawn and deposited into the online account corresponding to the payable employee. A user interface for inputting (or selecting) financial transaction authentication information for authentication. And preferably it comprises at least.

Thereafter, the terminal inputs (or selects) predetermined salary payment authentication information through the user interface (1950). If the salary payment authentication information is input (or selected) (1955), the terminal connects the communication channel. The salary payment authentication information is transmitted to the enterprise server 1400 through 1960.

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

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

In addition, the financial transaction for salary payment is characterized in that the non-face-to-face financial transaction is made in the payroll financial transaction shown in Figure 19, the financial transaction authentication information is the company (or in the process of opening the corporate financial account) OTP (One Tome Password) provided to the company (or the company's payroll staff) further comprises at least one or more security code information provided on the security card provided to the company's payroll staff) It is preferable to further comprise an OTP code generated through the generator.

In addition, the financial transaction for the salary payment is characterized in that the pay transaction is made through a non-face-to-face channel, the financial transaction shown in Figure 19, the financial transaction authentication information is the salary payment staff terminal 1450 (or On the official certificate information provided on the company (or IC card of the company (or the company's payroll employee)) linked through an integrated circuit (IC) card reader provided in the payroll employee terminal 1450, or the certificate Encrypting the payroll financial transaction information based on at least one encryption key included, or attaching an electronic signature of the company (or a payroll employee of the company) to the payroll financial transaction information. It is preferable.

Thereafter, the corporate server 1400 may connect the generated payroll financial transaction information and the payroll authentication information with a ledger corresponding to the corporate financial account and the corporate employee online account through a predetermined communication means. (1965).

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

More specifically, FIG. 20 illustrates an online account-based payroll request process shown in FIGS. 18 and / or 19 in an enterprise server 1400 on an online account operating system for paying an online account based on FIG. 14. When the salary payment financial transaction information and salary payment authentication information are transmitted to the financial company server 1455 through the salary payment authentication information, the online account-based salary payment validity is authenticated, and the salary payment financial transaction is performed according to the authentication result. The process of processing the financial transaction for the online account-based payroll based on the information, if the person of ordinary skill in the art to which the present invention belongs, reference to and / or modified this figure 20 based on the online account Various implementation methods for the payroll processing process may be inferred, but the present invention is inferred from the above. Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 20.

Referring to FIG. 20, through the online account-based payroll request process shown in FIGS. 18 and / or 19 from the enterprise server 1400 on the online account operating system for paying the payroll based on the online account shown in FIG. Salary payment including at least one corporate financial account information (or parent account information), payment amount information to be paid to at least one or more employees in the company, and online account information of at least one or more corporate employees to which the payment amount is deposited When the financial transaction information and the salary payment authentication information are received, the financial institution server 1455 verifies the validity of the online account-based payroll financial transaction through the salary payment financial transaction information and the salary payment authentication information (2000). .

According to an embodiment of the present invention, the financial company server 1455 registers the corporate financial account and the corporate financial account as a parent account on the financial system through the received payroll financial transaction information in connection with the financial system. Accessing the online account, and comparing and authenticating the online account information included in the payroll financial transaction information with the online account ledger information corresponding to the registered online account using the corporate financial account as a parent account, It is desirable to certify payroll using an online account.

In addition, when the corporate financial account corresponding to the mother account of the online account is accessed on the financial system through the payroll financial transaction information, the financial company server 1455 may receive the received salary payment authentication information and the corporate financial account. By comparing and authenticating the salary payment authentication information provided in the account ledger corresponding to, it is preferable to authenticate the salary payment using the online account for the online account.

If the validity of the online account-based payroll financial transaction is not authenticated (2005), the financial institution server 1455 generates predetermined payroll error information and transmits it to the corporate server 1400 (2010). Stop online account-based payroll financial transactions.

On the other hand, if the validity of the online account-based payroll financial transaction is not authenticated (2005), the financial institution server 1455 processes the online account-based financial transaction through the payroll financial transaction information (2015).

According to the implementation method of the present invention, the financial company server 1455 withdraws the payment amount included in the payroll financial transaction information from the corporate financial account based on the payroll financial transaction information to the corporate financial account as a parent account; It is preferable to process payroll using an online account which deposits to a registered online account.

If the online account-based financial transaction processing drawing 2020, the financial company server 1455 generates a predetermined salary payment result information and transmits it to the corporate server 1400 (2025).

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

Thereafter, the enterprise server 1400 transmits the salary payment result information for each salary payment target employee and the predetermined salary payment statement information including the online account-based salary payment information to each salary payment target employee terminal 1450. (2030).

Thereafter, the enterprise server 1400 is based on the online account information included in the salary statement information in connection with the storage medium 1445 to process the repayment of the loan for the loan request employee in the salary, employee of the loan request employee Check the loan repayment condition information for (2035).

If loan loan repayment condition information for the loan request employee is confirmed (2040), the enterprise server 1400 includes predetermined loan repayment amount information corresponding to the loan repayment condition information and online account information for which the loan is repaid. Generates predetermined loan repayment information (2045), and transmits the loan request employee online account information and the generated loan repayment information to the financial company server (1455) through a predetermined communication means (2050).

Thereafter, the financial company server 1455 processes the loan repayment amount from the salary deposited into the online account of the loan request employee in response to the loan repayment information (2055).

According to the present invention, there is an advantage of using an online account of an employee of a company opened with a corporate financial account as a payroll account and providing a credit loan or payday loan service through the online account.

Claims (5)

In the loan processing method through the company-only banking to process the financial transaction requested by the employee in the corporate intranet through an online account in the name of the corporate employee whose corporate account is the parent account, Storing online account information in the name of the loan request employee and the loan request amount information for each employee in a storage medium using the corporate financial account as a parent account in the information storage means; The information generating means checks one or more online account information, loan request amount information for each employee and the corporate financial account information from the storage medium, and total loan request amount and the corporate financial account information in which the loan request amount for each employee is added together. Generating loan request financial transaction information comprising a; Approving a loan request for the total loan request amount included in the loan request financial transaction information in the loan approval means; When the loan is approved, depositing a total loan amount corresponding to the total loan request amount from the loan processing means to the corporate financial account; Setting the amount corresponding to the loan request amount for each employee among the amounts deposited to the corporate financial account in the online account operation means so that the withdrawal can be made through the employee's online account; Loan processing method used. In the loan processing method through the company-only banking to process the financial transaction requested by the employee in the corporate intranet through an online account in the name of the corporate employee whose corporate account is the parent account, Storing online account information in the name of the loan request employee and the loan request amount information for each employee in a storage medium using the corporate financial account as a parent account in the information storage means; Check the at least one online account information, loan request amount information for each employee and the corporate financial account information in the information generating means, and check the loan request amount for each employee and the online account information and the corporate financial account from the storage medium. Generating loan request financial transaction information including information; Approving a loan request for each employee loan request amount included in the loan request financial transaction information in the loan approval means; When the loan is approved, depositing the sum of the loan request amount for each employee approved by the loan processing unit into the corporate financial account; Setting the amount corresponding to the loan request amount for each employee among the amounts deposited to the corporate financial account in the online account operation means so that the withdrawal can be made through the employee's online account; Loan processing method used. The method of claim 1, And repaying the loan repayment through the corporate financial account corresponding to the mother account of the loan request employee in the online account operation means when the salary payment is confirmed to the corporate employee online account. Loan processing method using a corporate intranet. A recording medium comprising a program for executing the method of claim 1 or 2. In the loan processing system through the company-only banking to process the financial transactions requested by the employee in the corporate intranet through an online account in the name of the corporate employee whose corporate account is the parent account, Information storage means for storing online account information in the name of a loan request employee and a loan request amount information for each employee in a storage medium, using a corporate financial account as a parent account; Loan request financial transaction information including one or more online account information, loan request amount information for each employee and the corporate financial account information from the storage medium, and a total loan request amount including the identified loan request amount for each employee Information generating means for generating a; Loan processing means for depositing a total loan amount corresponding to the total loan request amount into the corporate financial account; And An online account operating means for setting the amount of money corresponding to the loan request for each employee among the amounts deposited into the corporate financial account, withdrawable through the employee's online account; Processing system.

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