KR100885167B1 - System and Method for Processing Total Amount Limit Loan Data and Program Recording Medium - Google Patents

Abstract

The present invention relates to a total limit loan data processing method and system and a program recording medium therefor. The total limit loan data processing method according to the present invention includes the above-mentioned method in a predetermined payment confirmation means during payment processing between an item buyer and an item seller. Checking whether the payment processing is a payment processing using a predetermined loan, and if the payment processing between the buyer of the goods and the seller of the goods is a payment processing using a predetermined loan, a predetermined payment processing message corresponding to the payment processing by a predetermined information extraction means; Extracting payment history information including the goods purchaser information (or goods buyer card information), goods seller information, and payment information from the information, and linking with a predetermined storage medium (or ledger D / B) in a predetermined information checking means; The buyer and seller specific information corresponding to the buyer and the seller of the article-name, Identifying (or extracting) the vendor registration number, address, representative name, item, business status, etc .; and identifying the buyer and seller unique information and the payment history information identified (or extracted) in a predetermined information processing means. Generating the total limit loan support request information.

Total Limit Loan, Loan Data Processing

Description

System and Method for Processing Total Amount Limit Loan Data and Program Recording Medium}

1 is a diagram illustrating a face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

Figure 2 is configured in the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy) according to an embodiment of the present invention Figure is a diagram.

Figure 3 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy, etc.) according to another embodiment of the present invention It is a figure which shows the structure of the stored account registration information.

Figure 4 illustrates the configuration of the account registration information stored in the DBMS provided in the payment server in a face-to-face for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy, etc.) according to another embodiment of the present invention Drawing.

FIG. 5 is a diagram illustrating a process of registering account information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to another exemplary embodiment of the present invention.

7 is a view showing the configuration of the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

8 is an account registration information stored in a database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

9 is a view showing the configuration of the account registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the goods buyer according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering account information in a non-face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a card issuing system for the payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

12 is a view showing a card issuing process for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a face-to-face card information registration system for payment processing according to a purchase of a predetermined article by an article buyer according to an exemplary embodiment of the present invention.

14 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

15 is a view illustrating a configuration of card registration information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention. Figure is shown.

16 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyers according to another embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of registering card information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

18 is a diagram illustrating a non-face-to-face card information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention.

19 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

20 is a card registration information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

21 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

FIG. 22 is a diagram illustrating a process of registering card information in a non-face-to-face manner for payment processing according to a predetermined purchase of a drug product buyer according to an exemplary embodiment of the present invention.

FIG. 23 is a view illustrating a loan condition information registration system of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to an embodiment of the present invention.

FIG. 24 is a view illustrating a loan condition information registration process of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to one embodiment of the present invention.

FIG. 25 is a diagram illustrating a non-face-to-face loan condition information registration system for processing a loan for a predetermined payment amount in a payment process according to a drug purchase in a pharmacy according to another embodiment of the present invention.

FIG. 26 is a diagram illustrating a non-face-to-face loan condition information registration process for processing a loan for a predetermined payment amount in a payment process according to a drug purchase in a pharmacy according to another embodiment of the present invention.

FIG. 27 is a diagram illustrating a configuration of an information processing system for automatically generating total amount loan support information including the loan details when a loan is settled for a predetermined purchase price according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a configuration of an information processing server for automatically generating total amount loan support information including the loan details when a loan is settled for a predetermined purchase price according to an embodiment of the present invention.

FIG. 29 is a view illustrating a functional configuration of a terminal device for drug purchase payment processing using a card having a pharmacy account associated with a pharmaceutical company account as a payment account according to an embodiment of the present invention.

30 is a flowchart illustrating an operation process of a terminal device according to an exemplary embodiment of the present invention.

FIG. 31 is a diagram illustrating a process of generating predetermined total limit loan assistance request information when a payment amount according to a drug purchase of a pharmacy according to one embodiment of the present invention is processed as an automatic loan. FIG.

32 is a diagram illustrating a functional configuration of a terminal apparatus having a purchase fund loan settlement processing function according to an embodiment of the present invention.

33 is a flowchart illustrating an operation process of a terminal device according to another exemplary embodiment of the present invention.

34 is linked to a terminal device having a self-fund payment mode or a purchase fund loan payment mode in a server according to another embodiment of the present invention, when the payment processing for a predetermined purchase of goods, a predetermined total limit loan support money A diagram illustrating a process of generating request information.

<Description of main parts of drawing>

2700: information processing means 2705: loan processing means

2710: information registration means 2715: payment processing means

2720: storage media

According to the present invention, when the payment process between the goods buyer and the seller of goods, the step of confirming whether the payment processing is a payment processing using a predetermined loan in a predetermined payment confirmation means, and the payment processing between the goods buyer and the goods seller is a predetermined loan In the case of using the payment processing, extracting payment history information including the goods buyer information (or goods buyer card information), goods seller information and payment price information from a payment processing message corresponding to the payment processing in a predetermined information extraction means; , In connection with a predetermined storage medium (or ledger D / B) in a predetermined information checking means, the buyer and seller specific information corresponding to the buyer and the seller of the goods-name, business registration number, address, representative name, item, Identifying (or extracting) the business status, etc. and the article structure identified (or extracted) in a predetermined information processing means. Party and to the merchant-specific information and aggregate credit ceiling loans data processing method comprising the steps of: generating a total limit of loan funds requested information, including the billing history information.

In order to solve the above problems, the present invention provides a payment confirmation means for confirming whether the payment processing is a payment processing using a predetermined loan when the payment processing between the goods buyer and the goods seller, and the payment processing between the goods buyer and the goods seller is predetermined. In the case of payment processing using the loan of the information, information extraction means for extracting payment history information including the goods buyer information (or goods buyer card information), goods seller information and payment price information from the payment processing corresponding to the payment processing; Confirm the buyer's and seller's unique information (name, business registration number, address, representative name, item, business status, etc.) corresponding to the buyer and seller of the goods in connection with a predetermined storage medium (or ledger D / B) (or Information confirmation means for extracting and identifying and / or extracting the identified (or extracted) buyer and seller specific information and the payment history information. It is to provide a total limit loan data processing system including an information processing means for generating a total limit loan request information including.

According to the present invention, the method for processing the total limit loan data includes the steps of checking whether the payment processing is a payment processing using a predetermined loan in a predetermined payment confirming means, when the payment is processed between the buyer of the goods and the seller of the goods; When the payment processing between sellers is a payment processing using a predetermined loan, the goods purchaser information (or goods buyer card information), goods seller information, and payment information are obtained from a payment processing message corresponding to the payment processing by a predetermined information extracting means. Extracting payment history information including; and identifying information on the buyer and seller of the goods corresponding to the goods buyer and the seller of the goods in accordance with a predetermined storage medium (or ledger D / B) in a predetermined information checking means; name, business registration Identifying (or extracting) the number, address, representative name, item, business status, etc. and processing the predetermined information In stage it is characterized in that comprises the step of generating a total loan limits grant request information including the billing history information and the goods purchaser and seller of the unique information on the check (or extraction).

According to the present invention, the total limit loan data processing method further comprises the step of periodically transmitting the generated total limit loan assistance request information to a predetermined total limit loan assistance provider in a predetermined information transmission means. It is done.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that a program for executing the above-mentioned total limit loan data processing method is recorded.

On the other hand, the total limit loan data processing system includes payment confirmation means for confirming that the payment processing is a payment processing using a predetermined loan when the payment processing between the goods buyer and the goods seller, and the payment processing between the goods buyer and the goods seller is predetermined. In the case of payment processing using the loan of the information, information extraction means for extracting payment history information including the goods buyer information (or goods buyer card information), goods seller information and payment price information from the payment processing corresponding to the payment processing; Confirm the buyer's and seller's unique information (name, business registration number, address, representative name, item, business status, etc.) corresponding to the buyer and seller of the goods in connection with a predetermined storage medium (or ledger D / B) (or Information confirmation means for extracting and identifying and / or extracting (or extracting) the goods buyer and seller specific information and the payment history information And characterized by comprising including information processing means for generating a grant request includes the total loan limits information.

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

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

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

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

1 is a diagram illustrating a face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates that the purchaser of the article (eg, a pharmacy) performs payment processing according to the purchase of a predetermined article of the purchaser of the article (eg, a pharmacy) according to the present invention through an information registration interface. In order to provide the goods buyer information, the goods buyer account information and the pharmaceutical company account information, the information registration system associates the provided goods buyer information, the goods buyer account information and the goods seller (for example, a pharmaceutical company) account information in a predetermined manner. As a system configuration for storing and registering in a storage medium, those skilled in the art to which the present invention pertains may refer to or modify the drawing 1 to link and process the goods buyer account information and the goods seller account information. When registering information for storing and registering in the ledger D / B or a predetermined storage medium in the financial system Various implementation methods for the stem configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, on the information registration system shown in FIG. 1, goods buyer (eg, pharmacy, etc.) information, goods buyer account information, and goods seller (eg, pharmaceutical company) provided from the goods buyer (pharmacy, etc.) through a predetermined information registration interface. Etc.) Components corresponding to at least one or more means or functional configurations for storing account information on the storage medium are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an account information registration system for payment processing according to a purchase of a predetermined item by an article buyer (eg, a pharmacy) according to the present invention may be provided to at least one financial institution branch. And an information registration terminal including a window terminal provided therein, wherein the information registration terminal is connected to the information registration server 100 provided on the account information registration system through a predetermined financial network. do.

According to an embodiment of the present invention, the pharmacy visits the financial institution branch to register predetermined account information for payment processing according to a purchase of a predetermined item of a buyer (eg, a pharmacy) according to the present invention. And a form for filling in at least one information item for payment processing according to a purchase of a predetermined item by the purchaser of the item (eg, a pharmacy) through a window (or a teller) provided at the branch of the financial institution. Completed document), and the completed application is submitted to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal enters (or selects) the information. ) Is preferably transmitted to the information registration server 100 provided on the account information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. Do.

In the information registration system as described above, the application prepared in the pharmacy, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 100 is the article according to the invention in the pharmacy It performs a function of an information registration interface for registering account information for payment processing according to a purchase of a predetermined item of a buyer (for example, a pharmacy).

The storage medium provided on the account information registration system according to the present invention is characterized in that the pharmacy information provided from the information registration terminal and the pharmacy account information and pharmaceutical company account information is stored in association.

The pharmacy information may include at least one of a business (pharmacy) name, a representative (pharmacist) name, a business address, a business phone number, a mobile phone number, a business registration number, a pharmacist license number, and the like.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment amount according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system provided on the account information registration system (or associated with the account information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 100 provided on the account information registration system according to the present invention is a generic term for the components of the account information registration system connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 105 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105 to provide the information. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account registration information from the registration terminal to the information registration terminal, and the interface unit 105. And an information receiving unit 115 for receiving predetermined account registration information transmitted from the information registration terminal through the user interface and inputting (or selecting) and validity checking for validity of the received account registration information. The unit 120 and the pharmacy information, the pharmacy account information and the pharmaceutical company account information included in the validity of the account registration information is linked to a predetermined storage And an information storage unit 125 to store the medium is characterized in that formed.

The interface providing unit 110, when a predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the pharmacy information and the pharmacy corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface capable of inputting (or selecting) account registration information including account information and pharmaceutical company account information to the information registration server 100 via the financial network, or a predetermined database (not shown). And extracts the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) account registration information including at least one of the pharmacy information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) account. Information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) account registration information including at least one of pharmacy information, pharmacy account information, and pharmacy account information through the user interface, the information registration terminal transmits the information through the financial network. And receiving the account registration information in cooperation with the interface unit 105, and provides the received account registration information to the validity verification unit 120.

The validity confirming unit 120 is characterized by checking whether the validity for the drug purchase price payment processing for at least one or more information included in the account registration information received from the information registration terminal.

According to an embodiment of the present invention, the validity confirmation of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system is provided It is preferable to include checking whether it is done.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

When the validity of the account registration information is confirmed, the information storage unit 125 stores the pharmacy information, the pharmacy account information and the pharmaceutical company account information included in the account registration information to the storage medium by interlinking If the storage medium is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 is included in the received account registration information. It is preferable to store the stored pharmacy information, the pharmacy account information and the pharmaceutical company account information in the storage medium, the storage medium is provided in the DBMS provided on the financial system, the information storage unit 125 is Provide pharmacy information, pharmacy account information and pharmaceutical company account information included in the received account registration information to the information system through the external system on the financial system. It is desirable to store in a DBMS provided on the system.

Figure 2 is configured in the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy, etc.) according to an embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 2, when the storage medium shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the pharmacy includes the account information in the ledger information included in the ledger D / B. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information is stored, and if the person skilled in the art to which the present invention pertains, reference or modification Various information construction methods for storing the account registration information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, an account ledger corresponding to a pharmacy account opened in the name of the pharmacy (or pharmacist) included in the account registration information is associated with an account ledger corresponding to the pharmacist account. Characterized in that the processing is provided in the ledger D / B on the financial system, the account ledger corresponding to the pharmacy account is processed in connection with a predetermined customer ledger corresponding to the pharmacy (or pharmacist), The account ledger corresponding to the pharmaceutical company account may be processed in association with a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters 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. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the account ledger corresponding to the pharmacy account is characterized in that the relationship is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information to be included in the account ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters 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, gender 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. It is preferable.

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.

Figure 3 is a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the buyer (eg, pharmacy, etc.) according to another embodiment of the present invention It is a figure which shows the structure of the stored account registration information.

In more detail, FIG. 3 is a pharmacy included in the account registration information in the database when the storage medium shown in FIG. 1 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information is stored, and those skilled in the art to which the present invention pertains, refer to this figure 3 or modified It is possible to infer a variety of information configuration method for storing the account registration information including the pharmacy information, pharmacy account information and pharmaceutical company account information in a predetermined database in association with the ledger D / B, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the account registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution indicates the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the nature of the financial system), the account registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 3, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to the invention, the database is characterized in that the pharmacy information contained in the account registration information, the pharmacy account information and the pharmaceutical company account information is stored in association, the database is linked to the ledger D / B It is preferable to further include a CIF number confirmed through the customer information included in the account registration information.

Referring to FIG. 3, the database stores and stores the pharmacy information included in the account registration information, the pharmacy account information, and the pharmacy account information.

Figure 4 illustrates the configuration of the account registration information stored in the DBMS provided in the payment server in a face-to-face for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy, etc.) according to another embodiment of the present invention Drawing.

In more detail, FIG. 4 shows a storage medium shown in FIG. 1 provided in a DBMS provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In this case, the DBMS pharmacy information included in the account registration information and the pharmacy account information and the pharmacist account information to an embodiment of the method for storing and linking, if one of ordinary skill in the art to which the present invention belongs, By referring to or modifying the drawing 4, it is possible to infer a method of configuring information on account registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the pharmacy information included in the account registration information, the pharmacy account information and pharmaceutical company account information is stored in association.

FIG. 5 is a diagram illustrating a process of registering account information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a case where the information registration server 100 on the account information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system associated with a teller terminal through a predetermined financial network. In the communication terminal for the face-to-face account information registration for payment processing according to the purchase of a predetermined item of the goods buyer (for example, pharmacy) according to the present invention by accessing the information terminal server 100 After the connection, and transmits the account registration information including the pharmacy information, pharmacy account information and pharmaceutical company account information to the information registration server 100 through the communication channel, the information registration server 100 receives the The present invention relates to a method for storing pharmacy information included in the registered account registration information, pharmacy account information, and pharmaceutical company account information in a predetermined storage medium. Those skilled in the art can refer to or modify this drawing 5 to infer various implementation methods for registering the account registration information to the information registration server 100 in the window terminal, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The pharmacy information, the pharmacy account information, and the pharmaceutical company account information transmitted to the server 100 are referred to as "account registration information" for convenience.

Referring to FIG. 5, the window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the account registration information, and purchases the goods (eg, a pharmacy, etc.). When the request for registration of the account registration information for payment processing according to the purchase of a predetermined item () is performed (500), the server generates (or extracts) a predetermined information registration interface for registering the account registration information (505). In operation 510, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) account registration information including at least one of the pharmacy information, pharmacy account information, and pharmacy account information in the terminal. desirable.

Thereafter, the terminal inputs (or selects) account registration information including at least one or more pharmacy information, pharmacy account information, and pharmacist account information through the information registration interface (515).

If the terminal inputs (or selects) the account registration information including the pharmacy information, the pharmacy account information, and the pharmacist account information through the information registration interface (520), the terminal receives the input (or The account registration information including the selected pharmacy information, pharmacy account information, and pharmaceutical company account information is transmitted to the server (525).

Thereafter, the server receives and reads the pharmacy information, the pharmacy account information, and the pharmaceutical company account information through the financial network to check the validity of the account registration information (530).

According to an embodiment of the present invention, the validity confirmation of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system is provided It is preferable to include checking whether it is done.

In addition, according to the method of the present invention, the validity of the account registration information, the account corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether the ledger is provided.

If the validity of the account registration information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and does not perform the information registration procedure corresponding to the account registration information. Do not.

On the other hand, if the validity of the account registration information is authenticated (535), the server performs an information registration procedure corresponding to the account registration information, so that the pharmacy information, pharmacy account information and pharmaceutical company account information included in the account registration information In operation 545, the data is stored in a predetermined storage medium by the associated process.

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system provided on the account information registration system (or associated with the account information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the account registration information transmitted from the terminal.

FIG. 6 is a diagram illustrating a non-face-to-face account information registration system for payment processing according to a purchase of a predetermined item by an article buyer (eg, a pharmacy) according to another exemplary embodiment of the present invention.

In more detail, Figure 6 is a pharmacy information and pharmacy for payment processing according to the purchase of a certain item of the goods buyers (for example, pharmacy) according to the present invention to the account information registration system through a predetermined information registration interface in a given pharmacy When providing account registration information including at least one of account information and pharmaceutical company account information, the account information registration system stores the pharmacy information included in the provided account registration information, the pharmacy account information and the pharmaceutical company account information in a predetermined manner. Regarding a system configuration for storing in a medium, those of ordinary skill in the art to which the present invention pertains can refer to or modify the drawing of FIG. 6 according to the purchase of a predetermined item by the purchaser of the item (for example, a pharmacy). It would be possible to infer various ways of implementing the account information registration system for payment processing. The present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, on the account information registration system shown in FIG. 6, at least one means or function corresponding to the functional configuration for storing the account registration information provided from the pharmacy through the predetermined information registration interface on the storage medium for convenience. It is referred to as "information registration server 600".

Referring to FIG. 6 according to an embodiment of the present invention, an account information registration system for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to the present invention may be registered in the pharmacy. And an information registration terminal including at least one of a client terminal including at least one of a wired terminal or a wireless terminal for use. The information registration terminal registers the account information through a predetermined network means. The communication channel is connected to the information registration server 600 provided on the system.

According to an embodiment of the present invention, the pharmacy is connected to the information registration server 600 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Input (or select) account registration information for payment processing according to the purchase of a predetermined item of the goods buyer (eg, pharmacy) according to the present invention through at least one user interface provided by the information registration server 600 It is preferable that the client terminal transmits the input (or selected) account registration information to the information registration server 600 provided on the account information registration system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (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. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the information registration server 600 connected to the client terminal is either one of an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 600 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, and inputs or selects at least one or more information through the user interface to transmit to the information registration server 600. 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 to communicate with the information registration server 600, etc.) is provided.

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

In the information registration system as described above, at least one client terminal including at least one wired terminal or wireless terminal used for registration of the account information at the pharmacy, and at least one connecting the client terminal and the information registration server 600. The wired network or the wireless network performs a function of an information registration interface for registering account registration information for payment processing according to a purchase of a predetermined item of an article buyer (eg, a pharmacy) according to the present invention in the pharmacy.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A predetermined call connected to a wired telephone network such as a financial automation device (not shown) including a CD, or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information registration server 100. The financial network connecting to perform a function of the information registration interface for registering the account registration information for the payment processing according to the purchase of the predetermined goods of the goods buyers (eg, pharmacy, etc.) according to the present invention in the pharmacy, or If the information registration terminal is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 is in the pharmacy Information registration interface for registering the account registration information for payment processing according to the purchase of a predetermined item of the goods buyers (for example, pharmacy) according to the present invention The terminal (or server) (not shown) and the terminal (or server) that perform a function, or in the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal. (Not shown) and the network connecting the information registration server 600 to register the account registration information for the payment processing according to the purchase of the goods of the goods buyer (for example, pharmacy, etc.) according to the present invention in the pharmacy Performs the function of the information registration interface.

The storage medium 1430 provided on the information registration system according to the present invention stores and stores the pharmacy information, the pharmacy account information, and the pharmacy account information included in the account registration information provided from the information registration terminal in association. It features.

The pharmacy information may include at least one of a business (pharmacy) name, a representative (pharmacist) name, a business address, a business phone number, a mobile phone number, a business registration number, a pharmacist license number, and the like.

The pharmacy account information may include the pharmacy that the payment amount for the purchase of the medicine is withdrawn or a predetermined loan corresponding to the payment amount is deposited according to the present invention at the time of payment processing for the purchase of the prescribed medicine in the pharmacy ( Or pharmacist), including the account holder and account number for the account opened in the name.

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system provided on the account information registration system (or associated with the account information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 600 provided on the account information registration system according to the present invention is a generic term for the components of the account information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the information registration server 600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 100 is the TV banking system A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to the embodiment of the present invention, the information registration server 600 is characterized by comprising an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 605 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 605 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 605 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, 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) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides 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 information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 605 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 6, when the predetermined information registration terminal is connected to the information registration server 600 through the interface unit 605, the information registration server 600 cooperates with the interface unit 605 to provide the information. An interface provider 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account registration information from the registration terminal to the information registration terminal, and the interface unit 605. And an information receiving unit 615 for receiving predetermined account registration information transmitted from the information registration terminal through the user interface and inputting (or selecting) the pharmacy information and the pharmacy account included in the received account registration information. And an information storage unit 625 for storing the information and the pharmaceutical company account information in a predetermined storage medium.

The interface providing unit 610, when a predetermined information registration terminal is connected to the information registration server 600 through the interface unit 605, the account registration information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 600 through the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 605. And provide the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) account registration information including at least one of the pharmacy information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) account. Information is transmitted to the information registration server 600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 610 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 605.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 610 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 may be provided to the call terminal (not shown). Generate (or extract) a predetermined user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 605. It is preferable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 610 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

The information receiving unit 615 inputs (or selects) account registration information including at least one of pharmacy information, pharmacy account information, and pharmacist account information through the user interface through the user interface, and transmits the information through the network means. And receiving the account registration information in cooperation with the interface unit 605, and provides the received account registration information to the validity verification unit 620.

The validity confirming unit 620 may be configured to check whether the account registration information received from the information registration terminal satisfies the validity for payment processing according to the purchase of the pharmacy.

According to an embodiment of the present invention, the validity confirmation of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system is provided It is preferable to include checking whether it is done.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

When the validity of the account registration information is confirmed, the information storage unit 625 is characterized in that the pharmacy information included in the account registration information, the pharmacy account information and the pharmaceutical company account information to process and store in the storage medium When the storage medium is provided in the information registration server 600 or on the network associated with the information registration server 600, the information storage unit 625 is included in the received account registration information. It is preferable to store pharmacy information, pharmacy account information and pharmaceutical company account information in the storage medium by linking and processing the information storage unit 625 when the storage medium is provided in a DBMS provided on the financial system. The pharmacy information, pharmacy account information and pharmaceutical company account information included in the registered account registration information is provided to the information system through the external system on the financial system. Be stored in the DBMS provided on the system is preferred.

7 is a view showing the configuration of the account registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

In more detail, in FIG. 7, when the storage medium illustrated in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the pharmacy includes the account registration information in the ledger information included in the ledger D / B. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information is stored, and those skilled in the art to which the present invention pertains, refer to this figure 7 or modified Various information construction methods for storing the account registration information in the ledger D / B 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. 7 according to an embodiment of the present invention, an account ledger corresponding to a pharmacy account opened in the name of the pharmacy (or pharmacist) included in the account registration information is associated with an account ledger corresponding to the pharmacist account. Characterized in that the processing is provided in the ledger D / B on the financial system, the account ledger corresponding to the pharmacy account is processed in connection with a predetermined customer ledger corresponding to the pharmacy (or pharmacist), The account ledger corresponding to the pharmaceutical company account may be processed in association with a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters 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, gender 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. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the account ledger corresponding to the pharmacy account is characterized in that the relationship is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information to be included in the account ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters 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, gender 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. It is preferable.

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.

8 is an account registration information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

More specifically, FIG. 8 is a pharmacy included in the account registration information in the database when the storage medium shown in FIG. 6 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method of storing the information, the pharmacy account information and the pharmaceutical company account information in association with, and those skilled in the art to which the present invention pertains, refer to this figure 8 or modified It is possible to infer a variety of information configuration method for storing the account registration information including the pharmacy information, pharmacy account information and pharmaceutical company account information in a predetermined database in association with the ledger D / B, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 8, when it is not easy to store the account registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, It is not easy to change or the system is not easy to expand due to the nature of the financial system), the account registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 8 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database on the Internet banking system, or telebanking, according to the intention of the skilled person. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to the invention, the database is characterized in that the pharmacy information contained in the account registration information, the pharmacy account information and the pharmaceutical company account information is stored in association, the database is linked to the ledger D / B It is preferable to further include a CIF number confirmed through the customer information included in the account registration information.

Referring to FIG. 8, the database stores and stores the pharmacy information included in the account registration information, the pharmacy account information, and the pharmaceutical company account information in association.

9 is a view showing the configuration of the account registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

In more detail, FIG. 9 is provided in a DBMS in which a storage medium shown in FIG. 6 is provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In this case, the DBMS pharmacy information included in the account registration information and the pharmacy account information and the pharmacist account information to an embodiment of the method for storing and linking, if one of ordinary skill in the art to which the present invention belongs, By referring to or modifying the drawing 9, it is possible to infer a method of configuring information on account registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the pharmacy information included in the account registration information, the pharmacy account information and pharmaceutical company account information is stored in association.

FIG. 10 is a diagram illustrating a process of registering account information in a non-face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the information registration server 600 on the account information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 600 and connecting a communication channel for information registration according to the present invention, the pharmacy information, pharmacy account information and pharmaceutical company account information to the information registration server 600 through the communication channel When the account registration information is transmitted, the information registration server 600 stores the pharmacy information included in the received account registration information, the pharmacy account information and the pharmaceutical company account information in a predetermined storage medium. As to those skilled in the art to which the present invention pertains, the present invention may be referred to or modified with reference to FIG. Various implementation methods for registering the account registration information from the client terminal to the information registration server 600 may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The pharmacy information, the pharmacy account information, and the pharmaceutical company account information transmitted to the server 600 are referred to as "account registration information" for convenience.

Referring to Figure 10, the client terminal shown in Figure 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register account registration information for payment processing according to a purchase of a predetermined item of the buyer (eg, a pharmacy). When the connection is requested and the account registration information is registered (1000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the account registration information (1005), and the communication channel. In operation 1010, the generated (or extracted) web page is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) account registration information including at least one of the pharmacy information, pharmacy account information, and pharmacy account information in the terminal. desirable.

In addition, the web page transmission or output process is preferably performed at least once according to the account registration information registration procedure, whereby the present invention is not limited.

Subsequently, the terminal inputs (or selects) account registration information including at least one or more pharmacy information, pharmacy account information, and pharmacist account information through the information registration interface (1015).

If the terminal inputs (or selects) account registration information including the pharmacy information, the pharmacy account information, and the pharmacist account information through the information registration interface (1020), the terminal inputs (or Selected) transmits the pharmacy information, pharmacy account information and pharmaceutical company account information to the server (1025).

According to an embodiment of the present invention, the transmitting (or selecting) the pharmacy information, the pharmacy account information, and the pharmacist account information input through the communication channel to the server may be input (or selected) through the information registration interface. The electronic device may further include transmitting the account registration information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the pharmacy information, the pharmacy account information, and the pharmaceutical company account information through the communication channel to check the validity of the account registration information (1030).

According to the method of the present invention, the checking of the validity of the account registration information, the account ledger corresponding to the pharmacy account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

In addition, according to an embodiment of the present invention, the validity check of the account registration information, the account ledger corresponding to the pharmaceutical company account included in the account registration information in the ledger D / B on the financial system associated with the account information registration system It is preferable to include checking whether this is provided.

If the validity of the account registration information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), the information corresponding to the account registration information Do not perform the registration process.

On the other hand, if the validity of the account registration information is authenticated (1035), the server performs the information registration procedure corresponding to the account registration information, by linking the pharmacy information, pharmacy account information and pharmaceutical company account information to store a predetermined Store in medium (1045).

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system provided on the account information registration system (or associated with the account information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the account registration information transmitted from the terminal.

FIG. 11 is a diagram illustrating a card issuing system for payment processing according to a purchase of a predetermined article by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 11 stores and registers the pharmacy account and the pharmacy drug company account through the account information registration system shown in FIG. 1 or 6, and then issues a card through a predetermined card issuing interface in the pharmacy. If the system provides predetermined card issuance application information for the pharmacy account as the medicine purchase price payment account, the card issuing system issues a card for the pharmacy account as a payment account based on the provided card issuance application information. As a system configuration, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 11 to infer various implementation methods for the card issuing system configuration for the drug purchase payment processing of the pharmacy. It will be appreciated that the present invention is directed to all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, on the card issuing system shown in FIG. 11, a drug purchase price payment processing is performed to the pharmacy (or pharmacy operator) based on the card issuing application information provided from the pharmacy (or pharmacy operator) through a predetermined card issuing interface. At least one means for issuing a predetermined card or component corresponding to the functional configuration is referred to as "card issuing server 1100" for convenience.

Referring to FIG. 11 according to an embodiment of the present invention, after storing and registering the pharmacy account and the drug pharmaceutical company account through the account information registration system illustrated in FIG. 1 or 6, the registered pharmacy account The card issuing system for card payment processing to the drug purchase price payment account, characterized in that comprises a teller terminal used by the card issuing staff provided with at least one financial institution, or the card issuing system is non-face-to-face In the case of supporting a card issuing application, the terminal includes at least one client terminal including at least one wired terminal or a wireless terminal used by the pharmacy (or pharmacy operator), and the counter terminal or the client terminal includes a predetermined network. The card issuing system through means The card issuing server 1100, the communication channel is provided on the connection.

According to an exemplary embodiment of the present invention, the pharmacy (or pharmacy operator) stores the registered pharmacy account in the ledger D / B or storage medium through the account information registration system shown in FIG. A predetermined card issuance application (eg, medicine purchase price) for the medicine purchase price payment processing is visited to the financial institution for the card payment processing and through a window provided at the financial institution (or a card issuing staff). A document with a form for filling out at least one information item for payment processing (or the card issuing staff visits the pharmacy and asks the pharmacy operator to prescribe a payment for the drug purchase). To complete the card issuance application) and submit the completed card issuance application form to the card issuing staff. The card issuing clerk inputs (or selects) the information written in the card issuing application through a predetermined teller terminal, and the teller terminal issues the card through the network means. It is preferable to transmit to the card issuing server 1100 provided on the system.

Here, the teller terminal preferably comprises a teller terminal used by the card issuing staff provided in the financial institution, the card issuing server 1100 connected to the teller terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the teller terminal and the card issuing server 1100 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 1100 It is preferable to comprise).

In the card issuing system as described above, a card issuance application prepared by the pharmacy (or pharmacy operator), a window terminal used by the card issuing staff, and a financial network connecting the window terminal and the card issuing server 1100. Issuance of the card for the card payment processing by the pharmacy (or pharmacy operator) the pharmacy account stored and registered in the ledger D / B or storage medium through the account information registration system shown in Figure 1 or 6 It performs the function of the card issuing interface for registering the application information.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the pharmacy (or pharmacy operator) is connected to a wired terminal or a predetermined wireless communication network connected to a predetermined wired network. Access the card issuing server 1100 through at least one client terminal among wireless terminals, and register the account information shown in FIG. 1 or 6 through at least one user interface provided by the card issuing server 1100. When the card issuing application information for card payment processing using the pharmacy account stored and registered in the ledger D / B or the storage medium as a payment account is input (or selected) through the system, the client terminal transmits the card issuance information through a predetermined network means. It is preferable to transmit to the card issuing server 1100 provided on the card issuing system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (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. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a Code Division Multiple Access (CDMA) based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, and / or Motorola's DataTAC scheme and / or Or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a personal digital cellular terminal connected to the CDMA-based mobile communication network. (Personal Digital Cellular; PDC) and / or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or Telematics, or the IEEE 802.16x based portable Internet. Connected to a connected mobile Internet terminal or the DataTAC / Mobitex based wireless data communication network. Preferably comprising a wireless data communication terminal including at least one.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 1100, inputs or selects at least one or more information through the user interface, and transmits the same to the card issuing server 1100. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 1100, etc.) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the pharmacy (or pharmacy operator), and at least one or more connecting the client terminal and the card issuing server 1100. The wired or wireless network uses a pharmacy account stored by the pharmacy (or pharmacy operator) in the ledger D / B or storage medium on the financial system as a payment account through the account information registration system shown in FIGS. The card issuing interface for registering the card issuing application information for the card payment processing can be performed.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal may be provided with a predetermined financial network (eg, financial joint) in addition to the window terminal or the client terminal. A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the network), or a predetermined public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a network (PSTN) or a voice over IP (VoIP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. (Not shown) or a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. It may include, but the invention is not limited thereto.

In the case of supporting a non-face-to-face card issuance application as described above, when the card issuing terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the card issuing server 1100 to the pharmacy (or pharmacy operator) in the ledger D / B or storage medium on the financial system through the account information registration system shown in FIG. 1 or 6. , Performs a function of a card issuing interface for registering card issuing application information for card payment processing using a registered pharmacy account as a payment account, or when the card issuing terminal is the call terminal (not shown), the call terminal. (Not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the card issuing server 1100 is the pharmacy (or pharmacy operation). It performs the function of the card issuing interface for registering the card issuing application information for the card payment processing using the pharmacy account opened in the name of the English), or provided to the institution affiliated with the financial institution that is the card issuing terminal If the terminal (or server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuing server 1100 is the pharmacy ( Alternatively, the card issuance interface may be used to register card issuance application information for card payment processing using a pharmacy account opened in the name of a pharmacy operator).

According to the implementation method of the present invention, the card issuing application information is issued a card for payment of pharmacy goods through the card issuing system shown in Figure 11 (or account information registration system shown in Figure 1 or Figure 6) The pharmacy (or pharmacy operator) information corresponding to a pharmacy account stored and registered in the ledger D / B or storage medium on the financial system through the account information registration system shown in FIG. 1 or FIG. It may include account information corresponding to the pharmacy account registered and stored in the ledger D / B or storage medium.

Here, the pharmacy information included in the card issuance application information includes a business (pharmacy) name, representative (pharmacist) name, business address, business phone number, mobile phone number, business registration number, pharmacist license number, etc. It can be done by.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment amount according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

The card information D / B provided on the card issuing system according to the present invention issues a predetermined card to the pharmacy (or pharmacy operator) based on the card issuing application information provided from the card issuing terminal, The card information generated in correspondence with the issuance of the card, the pharmacy (or pharmacy operator) information and the pharmacy account information included in the card issuing application information are stored in a linked process.

According to an embodiment of the present invention, the card information D / B is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system). The card information D / B may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the card information D / B is an electronic payment system, or an internet banking system, a telebanking system, or a wireless banking system provided on (or associated with) the card issuing system, Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B is a server that performs a predetermined information processing function using the card information, the pharmacy account information, and the pharmacy (or pharmacy operator) information on the card issuing system. (Or a device) is preferably provided in a predetermined DBMS, wherein the position where the card information D / B is provided can be variously implemented according to the intention of those skilled in the art, whereby the present invention is not limited. .

The card issuing server 1100 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected to the card issuing terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the card issuing server 1100 is characterized in that it comprises an interface unit 1105 for providing a predetermined card issuing interface to the card issuing terminal through the network means.

According to an embodiment of the present invention, when the card issuing terminal is a window terminal connected to a predetermined financial network, the interface unit 1105 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a channel and using a communication protocol defined in the card issuance application program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1140 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1105 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1105 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a web interface (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 1100, the interface unit 1105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit may be connected with the client terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, 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) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 1100, the interface unit 1105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 11, when the card issuing terminal 1100 is connected to the card issuing server 1100 through the interface unit 1105, the card issuing server 1100 works with the interface unit 1105. An interface providing unit 1110 for generating (or extracting) a predetermined user interface for the issuing terminal to input (or selecting) and transmitting predetermined card issuing application information to the card issuing terminal, and the interface unit 1105. And an information receiving unit 1115 for receiving predetermined card issuing application information transmitted from the card issuing terminal through the user interface and inputting (or selecting), and the pharmacy based on the received card issuing application information. (Or the information generating unit 1125 for generating predetermined card information corresponding to a card to be issued to the pharmacy operator) and the predetermined card issuing device. The card issuing unit 1130 for issuing a predetermined card including card information and card information corresponding to the card issued to the pharmacy (or pharmacy operator), the pharmacy account information and the pharmacy (or pharmacy operator) information are cooperatively processed. And an information storage unit 1120 storing the card information D / B.

The interface providing unit 1110, when a predetermined card issuing terminal is connected to the card issuing server 1100 through the interface unit 1105, the card issuing application information corresponding to the functional configuration provided in the card issuing terminal. To generate (or select) a predetermined user interface that can be transmitted to the card issuing server 1100 through the network means, or to extract from a predetermined database (not shown), and to the interface unit 1105 And providing the generated (or extracted) user interface to the card issuing terminal through the network means.

Thereafter, the card issuing terminal inputs (or selects) the card issuing application information based on the user interface, and the card issuing server 1100 receives the input (or selected) card issuing application information through the network means. To send.

According to an embodiment of the present invention, when the card issuing terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1110 may provide a predetermined user interface that can be provided by a card issuing application program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1105.

According to another embodiment of the present invention, when the card issuing terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided to a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the card issuing terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1110 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

The information receiving unit 1115 inputs (or selects) predetermined card issuing application information from the card issuing terminal through the user interface and transmits the information through the network means. Characterized in that the application information is received, the received card issuance application information is provided to the information generating unit 1125.

According to the implementation method of the present invention, the card issuance application information may be configured to include pharmacy (or pharmacy operator) information and account information, the business (pharmacy) name, representative (pharmacist) name, business address, business place It may be made by including at least one of a telephone number, a mobile phone number, a business registration number, a pharmacist license number.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment amount according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

The information generating unit 1125 generates predetermined card information to be provided in the card to the pharmacy (or pharmacy operator) based on the card issuing application information received through the information receiving unit 1115. .

Here, the card information is characterized by comprising a predetermined card number.

When the predetermined card information provided in the card is generated by the information generating unit 1125, the card issuing unit 1130 produces a card including the card information through a predetermined card issuing device (or the card). And the card information), and the card is provided (or delivered) to the pharmacy (or pharmacy operator).

If the card is an MS (Magnetic Stripe) card, the card issuing device includes a device for recording the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the card. In this case, the information generation unit 1125 generates card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 1130 generates at least one card information through the card issuing device. By writing to the MS track, a certain card is issued to the pharmacy (or pharmacy operator).

Alternatively, if the card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the card, wherein the information generating unit 1125 Generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 1130 sends the card information to the memory of the IC chip through the card issuing device. By writing to the card, a predetermined card to be issued to the pharmacy (or pharmacy operator) is issued.

The card manufactured as described above is provided to the pharmacy (or pharmacy operator) or delivered to the pharmacy (or pharmacy operator) according to a predetermined card providing procedure, after which the pharmacy (or pharmacy operator) Accordingly, the issued card is used to process the drug purchase payment of the pharmacy.

Thereafter, the information storage unit 1120 stores the card information generated through the information generating unit 1125 and the card issuing application information received from the pharmacy (or pharmacy operator) through the information receiving unit 1115. Characterized in that the pharmacy account information and the pharmacy (or pharmacy operator) information is included and stored in the card information D / B.

12 is a diagram illustrating a card issuing process for the payment processing according to the purchase of a predetermined item of the article buyer according to the embodiment of the present invention.

More specifically, FIG. 12 stores and registers the pharmacy account and the drug pharmaceutical company account through the account information registration system shown in FIG. 1 or 6, and then issues a card through a predetermined card issuing interface in the pharmacy. If the system provides predetermined card issuance application information for the pharmacy account as the medicine purchase price payment account, the card issuing system issues a card for the pharmacy account as a payment account based on the provided card issuance application information. As a process, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 12 to infer various implementation methods for the card issuing process for the drug purchase payment processing of the pharmacy. It will be appreciated, however, that the present invention encompasses all implementation methods inferred from the above, It shall not be limited to the exemplary method shown in figure 12.

For example, in FIG. 12, the card is manufactured and provided (or shipped) to the pharmacy (or pharmacy operator), and then predetermined card information, pharmacy account information, and pharmacy (or pharmacy operator) information is provided in the card information D / B. Although it is illustrated as storing, the process of storing the predetermined card information, pharmacy account information and pharmacy (or pharmacy operator) information in the card information D / B according to the intention of those skilled in the art before manufacturing the card, or It may be performed after the card is made and before it is provided (or shipped) to the pharmacy (or pharmacy operator), whereby the present invention is not limited.

Hereinafter, in FIG. 12, the card issuing terminal shown in FIG. 11 is referred to as "terminal" for convenience, and the card issuing server 1100 is referred to as "server" for convenience.

Referring to FIG. 12, the pharmacy (or pharmacy operator) receives a predetermined card issuance application information through a predetermined card issuing interface in order to receive the card for drug purchase payment processing at the pharmacy. If a card issuance application is prepared or the card issuing system shown in FIG. 11 supports a non-face-to-face card issuance application, the pharmacy (or pharmacy operator) may provide predetermined card issuance application information through a predetermined client terminal. After inputting (or selecting), the card issuing application information is provided to the server through a predetermined card issuing interface (1200).

Here, the card issuance interface preferably comprises a card issuance application made by the pharmacy (or pharmacy operator), a window terminal used by the employee of the financial institution, and a network means for connecting the window terminal and the server. When the card issuing system supports a non-face-to-face card issuing application, the card issuing interface includes a predetermined client terminal used in the pharmacy (or pharmacy operator) and network means for connecting the client terminal and the server. It is preferable.

The card issuance application information provided to the server through the card issuance interface may include pharmacy (or pharmacy operator) information and account information, wherein the pharmacy (or pharmacy operator) information is a business place ( Pharmacy) name, representative (pharmacist) name, business address, business phone number, mobile phone number, business registration number, pharmacist license number, etc. may be made.

The pharmacy account information is the pharmacy, when the payment processing for the purchase of a predetermined drug in the pharmacy, withdrawal of the payment for the purchase of the medicine, or a predetermined loan amount corresponding to the payment for payment according to the invention This may include the account holder and account number of the account opened in the name of the pharmacist.

When predetermined card issuing application information is received through the card issuing interface, the server reads the received card issuing application information to check whether the card can be issued to the pharmacy (or pharmacy operator) ( 1205).

Here, the card issuance validity confirmation is based on the pharmacy (or pharmacy operator) information and pharmacy account information included in the card issuance application information through the account information registration system shown in FIG. It is preferable to include a) check whether the operator has opened a pharmacy account corresponding to the account information.

If the validity to issue the card to the pharmacy (or pharmacy operator) is not authenticated through the card issuing application information (1210), the server sends a card to the pharmacy (or pharmacy operator) through the card issuing interface. Provide issuance error information 1215 and stop issuing the card to the pharmacy (or pharmacy operator).

If the validity for issuing the card to the pharmacy (or pharmacy operator) is authenticated through the card issuing application information (1210), the server will issue to the pharmacy (or pharmacy operator) based on the card issuing application information. Predetermined card information corresponding to the card is generated (1220).

The card information may include a predetermined card number. If the card is an MS card according to an exemplary embodiment of the present invention, the generated card information may include at least one MS provided in the MS card. It is preferable to include a data structure that can be recorded on a track.

According to another exemplary embodiment of the present invention, if the card is an IC card, the generated card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server generates a predetermined card with the card information through a predetermined card issuing device and provides (or delivers) the drug to the pharmacy (or pharmacy operator) (1225).

If the card is an MS card according to an embodiment of the present invention, the card issuing device records the card information on at least one or more MS tracks (e.g., track I, track II, track III) included in the card. It is preferable to comprise a.

According to another embodiment of the present invention, if the card is an IC card, the card issuing device preferably comprises a device for recording the card information in a memory provided in the IC chip of the card.

Thereafter, the server associates the generated pharmacy account information and the pharmacy (or pharmacy operator) information provided from the pharmacy (or pharmacy operator) via the card issuance interface with the generated card information D / B ( In operation 1230.

According to an embodiment of the present invention, the card information D / B is provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), or on the card issuing system. The card information, the pharmacy account information, and the pharmacy (or pharmacy operator) information is preferably provided in a predetermined DBMS linked with a server (or device) that performs a predetermined information processing function.

FIG. 13 is a diagram illustrating a face-to-face card information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 13 is a pharmacy (or pharmacy) for payment processing according to a purchase of a predetermined product by an article purchaser (eg, a pharmacy) according to the present invention to an information registration system through a predetermined information registration interface in the pharmacy. When the card information of the name of the operator and the drug pharmaceutical company account information are provided, the card information registration system stores and registers the payment account information corresponding to the provided card information by linking the drug company account information to a predetermined storage medium. As a system configuration, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a predetermined storage medium by referring to or modifying the drawing 13 and linking the pharmaceutical account information with the payment account information corresponding to the card information. It is possible to infer various implementation methods for the card information registration system to be stored and registered in As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the pharmacy account information corresponding to the card information provided from the pharmacy through a predetermined information registration interface on the information registration system shown in FIG. A component corresponding to at least one or more means or functional configurations for storage in / B) is referred to as " information registration server 1300 " for convenience.

Referring to FIG. 13 according to an embodiment of the present invention, a card information registration system for payment processing according to a purchase of a predetermined item by an article buyer (for example, a pharmacy) according to the present invention is provided to at least one financial institution branch. And an information registration terminal including a window terminal provided therein, wherein the information registration terminal is connected to a communication channel with an information registration server 1300 provided on the card information registration system through a predetermined financial network. do.

According to an embodiment of the present invention, the pharmacy visits the financial institution branch to register predetermined card information for payment processing according to a purchase of a predetermined item of a buyer (eg, a pharmacy) according to the present invention. And a form for filling in at least one information item for payment processing according to a purchase of a predetermined item by the purchaser of the item (eg, a pharmacy) through a window (or a teller) provided at the branch of the financial institution. Completed document), and the completed application is submitted to the teller, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal enters (or selects) the information. ) Is transmitted to the information registration server 1300 provided on the card information registration system through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 1300 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 1300 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 1300. Do.

In the card information registration system as described above, the application prepared at the pharmacy, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 1300 in the pharmacy according to the present invention A function of an information registration interface for registering card information for payment processing according to a purchase of a predetermined item of an item buyer (eg, a pharmacy) may be performed.

The storage medium provided on the card information registration system according to the present invention is characterized by storing payment account information corresponding to the card information provided from the information registration terminal in association with the pharmaceutical company account information and stored.

Here, the card information, the card-specific information including the card number, CVS, expiration date and the like, the name of the place of business (pharmacy), the name of the representative (pharmacist), the place of business address, the place of business phone number, mobile phone number, business registration number, pharmacist license Card customer personal information including at least one of a number and the like.

The payment account information, in the process of issuing the card, includes a payment account for the withdrawal of the credit card payment, the payment account is stored in association with the pharmaceutical company account information in accordance with the method of the present invention It is stored on the medium (or ledger D / B on the financial system).

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more of the Internet banking system, or a telebanking system, or a wireless banking system, or a TV banking system provided on (or associated with) the account information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 1300 provided on the card information registration system according to the present invention is a generic term for the components of the card information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1300 is characterized in that it comprises an interface unit 1305 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1305 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 13, the information registration server 1300 connects the information registration server 1300 with the interface unit 1305 when a predetermined information registration terminal is connected to the information registration server 1300 through the interface unit 1305. An interface providing unit 1310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration information from the registration terminal to the information registration terminal, and the interface unit 1305. And an information receiving unit 1315 for receiving predetermined card registration information transmitted from the information registration terminal through the user interface and inputting (or selecting) and validity checking for validity of the received card registration information. The unit 1320 and the pharmacy information included in the card registration information confirmed validity, the card payment account information and the pharmaceutical company account information And an information storage unit 1325 stored in a predetermined storage medium.

The interface providing unit 1310 is connected to the information registration server 1300 through a predetermined information registration terminal through the interface unit 1305, the card information and the pharmacy corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface capable of inputting (or selecting) card registration information including account information and pharmaceutical company account information to the information registration server 1300 via the financial network, or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1305 to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) card registration information including at least one of the card information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) card. Information is transmitted to the information registration server 1300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1310 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1305.

When the information receiving unit 1315 inputs (or selects) card registration information including at least one of card information, pharmacy account information, and pharmacy account information through the user interface, the information registration terminal transmits the information through the financial network. And receiving the card registration information in cooperation with the interface unit 1305, and provides the received card registration information to the validity verification unit 1320.

The validity confirming unit 1320 is configured to check whether the validity for the drug purchase payment settlement process using the card is satisfied with respect to at least one or more information included in the card registration information received from the information registration terminal.

According to the embodiment of the present invention, the validity check of the card registration information, the card ledger corresponding to the card information included in the card registration information is provided in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether it is done.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

When the validity of the card registration information is confirmed, the information storage unit 1325 stores the card information included in the card registration information and the pharmaceutical company account information in the storage medium by interlinking and storing the card information. When a medium is provided in the information registration server 1300 or on a network associated with the information registration server 1300, the information storage unit 1325 may include card information included in the received card registration information. It is preferable to store the information on the storage medium by linking the pharmaceutical company account information, and when the storage medium is provided in a DBMS provided on the financial system, the information storage unit 1325 is included in the received card registration information. It is desirable to provide the credit card information and the pharmaceutical company account information to the information system through the external system on the financial system to store in the DBMS provided on the financial system. The.

14 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention.

More specifically, FIG. 14 shows the card included in the card registration information in the ledger information included in the ledger D / B when the storage medium shown in FIG. 13 is the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method of linking and storing the information and the pharmaceutical company account information is shown, and a person of ordinary skill in the art to which the present invention pertains, with reference to or modified in this drawing 14 ledger D / Various information configuration methods for storing the card registration information in B 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. 14 according to an embodiment of the present invention, the card ledger corresponding to the card opened in the name of the pharmacy (or pharmacist) included in the card registration information is processed in association with the account ledger corresponding to the pharmaceutical company account. And the ledger D / B on the financial system, wherein the card ledger corresponding to the pharmacy card is processed in association with the ledger corresponding to the pharmacy account, and the ledger corresponding to the pharmacy account is the pharmacy. (Or a pharmacist) is characterized in that the process is linked to a predetermined customer ledger, the account ledger corresponding to the pharmaceutical company account is characterized in that the process is linked to a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters 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, gender 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. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the card ledger corresponding to the pharmacy account is characterized in that it is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information to be included in the account ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters 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, gender 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. It is preferable.

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 detailed description thereof will be omitted.

15 is a diagram illustrating the configuration of card registration information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to another embodiment of the present invention. Figure is shown.

More specifically, FIG. 15 shows a card included in the card registration information in the database when the storage medium shown in FIG. 13 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. An information structure for an embodiment of a method of linking and storing information and pharmaceutical company account information is illustrated. If a person of ordinary skill in the art belongs to the present invention, the present invention may be referred to or modified in a predetermined database. It will be possible to infer various information configuration methods for storing the card registration information including the card information and pharmaceutical company account information in association with the ledger D / B, but the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Particularly, in FIG. 15, when it is not easy to store the card registration information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution shows the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the nature of the financial system), the card registration information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 5 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in this figure, and a database on the Internet banking system or a telebanking system according to the intention of a person skilled in the art. It may be configured in the form of a database on the database, or a database on the wireless banking system, or a database on the TV banking system, whereby the present invention is not limited.

According to the present invention, the database is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association, the database is stored in the card registration information to be linked to the ledger D / B It is preferable to further include a CIF number identified through the included customer information.

Referring to Figure 15, the database is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association.

FIG. 16 is a diagram illustrating the configuration of card registration information stored in a DBMS provided in a payment server in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention.

More specifically, FIG. 16 shows a storage medium shown in FIG. 13 in a DBMS provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In the case of an embodiment of the present invention, the pharmacy information included in the card registration information, the pharmacy account information, and the pharmacy account information are linked to and stored in the DBMS, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the figure 16, it is possible to infer a method of configuring information on card registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association.

FIG. 17 is a diagram illustrating a process of registering card information in a face-to-face manner for payment processing according to a purchase of a predetermined item by an article buyer according to an exemplary embodiment of the present invention.

In more detail, FIG. 17 illustrates a case where the information registration server 1300 on the card information registration system shown in FIG. 13 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. The communication terminal for face-to-face card information registration for payment processing according to the purchase of a predetermined item by an item purchaser (eg, a pharmacy) according to the present invention by accessing the information terminal server 1300 After the connection, and transmits the card registration information including the card information and the pharmaceutical company account information to the information registration server 1300 through the communication channel, the received card registration information from the information registration server 1300 The present invention relates to an implementation method of linking card information and pharmaceutical company account information included in a predetermined storage medium, and in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the card registration information with the information registration server 1300 at the window terminal by referring to or modifying the drawing 17, but the present invention is inferred It includes all implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the window terminal shown in FIG. 13 is called "terminal" for convenience, and the information registration server 1300 shown in FIG. 13 is called "server" for convenience, and the information is registered in the window terminal. The card information and the pharmaceutical company account information transmitted to the server 1300 are referred to as "card registration information" for convenience.

Referring to FIG. 17, the teller terminal shown in FIG. 13 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the card registration information, and purchases the goods (eg, a pharmacy, etc.). (1700), the server generates (or extracts) a predetermined information registration interface for registering the card registration information (1705). In operation 1710, the information registration interface generated (or extracted) is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) card registration information including at least one of the pharmacy information, pharmacy card information, and pharmacy account information in the terminal. desirable.

Thereafter, the terminal inputs (or selects) card registration information including at least one or more pharmacy information, pharmacy card information, and pharmacist account information through the information registration interface (1715).

If the terminal receives (or selects) card registration information including the card information, the pharmacy account information, and the pharmacist account information through the information registration interface (1720), the terminal receives the input (or The card registration information including the selected pharmacy information, the pharmacy card information, and the pharmaceutical company account information is transmitted to the server (1725).

Thereafter, the server receives and reads the pharmacy information, the pharmacy card information, and the pharmaceutical company account information through the financial network to confirm the validity of the card registration information (1730).

According to the embodiment of the present invention, the validity check of the card registration information, the card ledger corresponding to the card information included in the card registration information is provided in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether it is done.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

If the validity of the card registration information is not authenticated (1735), the server generates predetermined information registration error information and transmits it to the terminal (1740), and does not perform an information registration procedure corresponding to the card registration information. Do not.

On the other hand, if the validity of the card registration information is authenticated (1735), the server performs the information registration procedure corresponding to the card registration information, so that the pharmacy information, pharmacy card information and pharmaceutical company account information included in the card registration information The association process stores the data in a predetermined storage medium (1745).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1750), thereby completing the procedure of registering the card registration information transmitted from the terminal.

18 is a diagram illustrating a non-face-to-face card information registration system for payment processing according to a purchase of a predetermined item by an article buyer according to another exemplary embodiment of the present invention.

In more detail, Figure 18 is a card information registration system through a predetermined information registration interface in a given pharmacy, the pharmacy information and the pharmacy for payment processing according to the purchase of a predetermined item by a buyer (eg, a pharmacy) according to the present invention. When providing card registration information including at least one card information and pharmaceutical company account information, the card information registration system stores the predetermined information by linking the pharmacy information and the pharmacy card information and the pharmaceutical company account information included in the provided card registration information. Regarding a system configuration for storing in a medium, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 18 and pay according to a purchase of a predetermined item by the buyer of the item (for example, a pharmacy). It would be possible to infer various implementation methods for the card information registration system configuration for processing. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, on the card information registration system shown in FIG. 18, a component corresponding to at least one or more means or functional configuration for storing the card registration information provided from the pharmacy on the storage medium through a predetermined information registration interface is provided. It is referred to as "information registration server 1800".

Referring to FIG. 18 according to an embodiment of the present invention, a card information registration system for payment processing according to a purchase of a predetermined item by an item buyer (eg, a pharmacy) according to the present invention may be registered in the pharmacy. And at least one information registration terminal including at least one client terminal including at least one wired terminal or at least one wireless terminal for use, wherein the information registration terminal registers the card information through a predetermined network means. The communication channel is connected to the information registration server 1800 provided on the system.

According to one embodiment of the invention, the pharmacy is connected to the information registration server 1800 through at least one or more client terminals of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, and the information When the card registration information is input (or selected) for payment processing according to the purchase of a predetermined item of the item buyer (eg, a pharmacy) according to the present invention through at least one user interface provided by the registration server 1800, Preferably, the client terminal transmits the input (or selected) card registration information to the information registration server 1800 provided on the card information registration system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (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. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the information registration server 1800 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 1800 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1800, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 1800. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 1800) is provided.

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

In the card information registration system as described above, at least one of a client terminal including at least one wired terminal or a wireless terminal used for registration of the card information at the pharmacy, and at least one of connecting the client terminal and the information registration server 1800. One or more wired networks or wireless networks perform a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item by an article buyer (eg, a pharmacy) according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the card information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server ( The financial network connecting 1800 performs a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item of the goods buyer (eg, a pharmacy), or the information registration terminal is In the case of the call terminal (not shown), a wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1800 is an article according to the present invention in the pharmacy. Performs a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item of a buyer (eg, a pharmacy, etc.), and In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the The network connecting the information registration server 1800 has a function of an information registration interface for registering card registration information for payment processing according to a purchase of a predetermined item of a goods buyer (eg, a pharmacy) according to the present invention in the pharmacy. To perform.

The storage medium provided on the information registration system according to the present invention is characterized in that the card information included in the card registration information provided from the information registration terminal and the pharmaceutical company account information stored in association.

Here, the card information, the card specific information including the card number, CVS, expiration date and the like, the name of the place of business (pharmacy), the name of the representative (pharmacist), the place of business address, the place of business phone number, mobile phone number, business registration number, pharmacist It may include card customer personal information including at least one license number or the like.

The payment account information, in the process of issuing the card, includes a payment account for the withdrawal of the credit card payment, the payment account is processed in connection with the pharmaceutical company account information in accordance with the method of the present invention the storage medium (Or ledger D / B on the financial system).

The account information of the pharmaceutical company may include a depositor and an account number in an account opened under the name of a pharmaceutical company in which the withdrawal payment is deposited after the payment for the purchase of the medicine is withdrawn when the payment is made for the purchase of a predetermined medicine in the pharmacy. It may be made, including.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 1800 provided on the card information registration system according to the present invention is a generic term for the components of the card information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1800 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1800 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 1800 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1800 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1800 is characterized by comprising an interface unit 1805 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1805 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1800, the interface unit 1805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1805 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1805 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, 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) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 1800, the interface unit 1805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides 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 information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1805 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1805 is based on a protocol stack defined in the TV banking system. At least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 18, the information registration server 1800 is linked to the interface unit 1805 when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805. An interface providing unit 1810 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card registration information from the registration terminal to the information registration terminal, and the interface unit 1805. An information receiving unit 1815 for receiving predetermined card registration information inputted (or selected) and transmitted from the information registration terminal through the user interface, and card information and pharmaceutical company account included in the received card registration information. And an information storage unit 1825 for cooperatively processing the information and storing the information in a predetermined storage medium.

The interface providing unit 1810, when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805, the card registration information corresponding to the functional configuration provided in the information registration terminal; Generate a predetermined user interface which can be input (or selected) and transmitted to the information registration server 1800 via the network means, or extract from a predetermined database (not shown), and the interface unit 1805 And providing the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) card registration information including at least one of the card information, the pharmacy account information, and the pharmacist account information based on the user interface, and registers the input (or selected) card. Information is transmitted to the information registration server 1800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1810 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1810 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1805.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1810 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1805.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 1810 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1805. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1810 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1805.

The information receiving unit 1815 inputs (or selects) card registration information including at least one of card information, pharmacy account information, and pharmacist account information through the user interface through the user interface, and transmits the information through the network means. The card registration information is received in cooperation with the interface unit 1805, and the received card registration information is provided to the validity verification unit 1820.

The validity confirming unit 1820 may check whether the card registration information received from the information registration terminal satisfies the validity for payment processing according to the drug purchase of the pharmacy.

According to the embodiment of the present invention, the validity check of the card registration information, the card ledger corresponding to the card information included in the card registration information is provided in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether it is done.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

When the validity of the card registration information is confirmed, the information storage unit 1825 stores the card information included in the card registration information and the pharmaceutical company account information in association with the storage medium to store in the storage medium. Is provided in the information registration server 1800 or on the network associated with the information registration server 1800, the information storage unit 1825 is the card information included in the received card registration information and pharmaceutical company Preferably, the account information is linked and stored in the storage medium. When the storage medium is provided in a DBMS provided on a financial system, the information storage unit 1825 includes a card included in the received card registration information. It is preferable to provide the information and the pharmaceutical company account information to the information system through the external system on the financial system and to store in the DBMS provided on the financial system.

19 is a view showing the configuration of the card registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to an embodiment of the present invention .

In more detail, in FIG. 19, when the storage medium shown in FIG. 18 is a ledger D / B provided in a DBMS on a financial system, the card information included in the card registration information is included in the ledger information provided in the ledger D / B. The information structure for one embodiment of the method of linking and storing the card information and the pharmaceutical company account information, and those of ordinary skill in the art to which the present invention pertains, refer to this figure 19 or modify the ledger D Various information configuration methods for storing the card registration information in / B 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. 19 according to an embodiment of the present invention, the card ledger corresponding to the card opened in the name of the pharmacy (or pharmacist) included in the card registration information is processed in association with the account ledger corresponding to the pharmaceutical company account. And the ledger D / B on the financial system, wherein the card ledger corresponding to the pharmacy card is processed in association with the ledger corresponding to the pharmacy account, and the ledger corresponding to the pharmacy account is the pharmacy. (Or a pharmacist) is characterized in that the process is linked to a predetermined customer ledger, the account ledger corresponding to the pharmaceutical company account is characterized in that the process is linked to a predetermined customer ledger corresponding to the pharmaceutical company.

Here, the customer ledger corresponding to the pharmacy (or pharmacist) is a CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, Trade name, classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, postal address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender 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. It is preferable.

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

In addition, the account ledger corresponding to the pharmaceutical company account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number, batch number, compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

In addition, the card ledger corresponding to the pharmacy account is characterized in that it is processed in relation to the account ledger corresponding to the pharmaceutical company account, the account ledger information corresponding to the pharmacy account is ledger D / provided on the financial system At least one ledger information to be included in the account ledger provided in B (or the account must be equipped to process at least one or more financial transactions requested by the pharmacy (e.g. withdrawal of payments, transfer of funds, etc.) It is preferable to comprise.

In addition, the customer ledger corresponding to the pharmaceutical company is CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters 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. Including at least one 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 It is preferable to make.

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.

20 is a card registration information stored in a database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 20, when the storage medium shown in FIG. 18 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system, the pharmacy included in the card registration information is included in the database. Information configuration of an embodiment of the method of storing the information and the pharmacy card information and the pharmaceutical company account information in association with, and those of ordinary skill in the art to which the present invention belongs, reference or modification It is possible to infer a variety of information configuration method for storing the card registration information including the pharmacy information, pharmacy card information and pharmaceutical company account information in a predetermined database in association with the ledger D / B, but the present invention is inferred Includes all implementation methods, and is not limited to the implementation method illustrated in FIG.

In particular, in FIG. 20, when it is not easy to store the card registration information in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the card registration information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 20 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 20, and a database on the Internet banking system, or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to the present invention, the database is characterized in that the pharmacy information contained in the card registration information, the pharmacy account information and the pharmaceutical company account information is stored in association, the database is linked to the ledger D / B It is preferable to further include a CIF number confirmed through the customer information included in the card registration information.

Referring to FIG. 20, the database stores and stores the pharmacy information included in the card registration information, the pharmacy card information, and the pharmacy account information.

21 is a view showing the configuration of the card registration information stored in the DBMS provided in the payment server in a non-face-to-face for payment processing according to the purchase of a predetermined item of the article buyer according to another embodiment of the present invention.

More specifically, FIG. 21 shows a storage medium shown in FIG. 18 provided in a DBMS provided in a predetermined payment server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In this case, the DBMS relates to an embodiment of a method of linking and storing the card information included in the card registration information and the pharmaceutical company account information in the DBMS. By referring to or modifying it, it is possible to infer a method of configuring information on card registration information stored in a predetermined DBMS provided in at least one payment server, but the present invention includes all the inferred implementation methods. It is not limited to the illustrated implementation method.

According to the present invention, the predetermined DBMS provided in the payment server is characterized in that the card information included in the card registration information and the pharmaceutical company account information stored in association.

22 is a diagram illustrating a process of registering card information in a non-face-to-face manner for payment processing according to a predetermined purchase of a drug product buyer according to an embodiment of the present invention.

In more detail, in FIG. 22, when the information registration server 1800 on the card information registration system shown in FIG. 18 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 1800 and connecting a communication channel for information registration according to the present invention, the pharmacy information, pharmacy card account information and pharmaceutical company account information to the information registration server 1800 through the communication channel When the card registration information including the transmission, the information registration server 1800 performs the pharmacy information included in the received card registration information and the pharmacy card information and pharmaceutical company account information to process the stored in a predetermined storage medium As for a method, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 22. Although various implementation methods for registering the card registration information from the client terminal to the information registration server 1800 may be inferred, the present invention includes all the inferred implementation methods, and is illustrated in FIG. 22. It is not limited to the method.

Hereinafter, in FIG. 22, the client terminal shown in FIG. 18 is referred to as "terminal" for convenience, and the information registration server 1800 shown in FIG. 18 is called "server" for convenience, and the information is registered in the client terminal. The pharmacy information, the pharmacy card information, and the pharmaceutical company account information transmitted to the server 1800 are referred to as "card registration information" for convenience.

Referring to Figure 22, the client terminal shown in Figure 18 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register card registration information for payment processing according to a purchase of a predetermined item by the buyer of the item (eg, a pharmacy). When the connection is requested and the card registration information is registered (2200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the card information (2205), and through the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (2210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) card registration information including at least one of the pharmacy information, pharmacy card information, and pharmacy account information in the terminal. desirable.

In addition, the web page transmission or output process is preferably performed at least once according to the card registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) card registration information including at least one or more pharmacy information, pharmacy card information, and pharmacist account information through the information registration interface (2215).

If the terminal receives (or selects) card registration information including the pharmacy information, the pharmacy card information, and the pharmacist account information through the information registration interface (2220), the terminal receives the input (or The selected pharmacy information, the pharmacy card information, and the pharmaceutical company account information are transmitted to the server (2225).

According to an embodiment of the present invention, transmitting the input (or selection) of the pharmacy information, the pharmacy card information, and the pharmacist account information to the server through the communication channel is input (or selection) through the information registration interface. The method may further include transmitting the card registration information to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server checks the validity of the card registration information by receiving and reading the pharmacy information, the pharmacy card information, and the pharmaceutical company account information through the communication channel (2230).

According to an embodiment of the present invention, the validity of the card registration information is determined by: a card ledger corresponding to the card information included in the card registration information in the ledger D / B on the financial system associated with the card information registration system. It is preferable to include checking whether this is provided.

In addition, according to the embodiment of the present invention, the validity check of the card registration information, the account ledger corresponding to the pharmaceutical company account included in the card registration information in the ledger D / B on the financial system associated with the card information registration system It is preferable to include checking whether this is provided.

If the validity of the card registration information is not authenticated (2235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2240), and information corresponding to the card registration information. Do not perform the registration process.

On the other hand, if the validity of the card registration information is authenticated (2235), by performing the information registration procedure corresponding to the card registration information, the server and the card information and the pharmaceutical company account information is stored in a predetermined storage medium (2245).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2250), thereby completing the procedure of registering the card registration information transmitted from the terminal.

FIG. 23 is a view showing a loan condition information registration system of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to an embodiment of the present invention.

In more detail, Figure 23 is the loan condition information registration system through the predetermined information registration interface in the pharmacy when the payment processing according to the drug purchase of the pharmacy, due to the lack of the balance of the medicine payment account can be processed the payment price If none, or at the request of the buyer (pharmacy, etc.), and provide loan condition information for automatically processing a predetermined loan for the settlement, the loan condition information registration system provides the loan condition information to the pharmacy The present invention relates to a system configuration for storing and registering in connection with account information in a predetermined storage medium. Those skilled in the art to which the present invention pertains may refer to or modify this drawing 23 to obtain loan condition information from the pharmacy. Loan condition information registration system that stores and registers in a predetermined storage medium by linking with account information Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the loan condition information provided from the buyer (eg, a pharmacy) through the predetermined information registration interface on the loan condition information registration system shown in FIG. 23 in association with the pharmacy account information, the storage medium ( Or components corresponding to at least one or more means or functional configurations for storing in the ledger D / B on the financial system are referred to as " information registration server 2300 " for convenience.

Referring to this figure 23 according to an embodiment of the present invention, when the payment process cannot be processed due to the lack of the balance of the medicine payment account, when the payment process according to the drug purchase of the pharmacy, for the payment The loan condition information registration system for registering loan condition information for automatically processing a predetermined loan comprises an information registration terminal including a teller terminal provided at at least one financial institution branch. The registration terminal is connected to the communication channel and the information registration server 2300 provided on the loan condition information registration system through a predetermined financial network.

According to one embodiment of the present invention, when the payment process according to the drug purchase, the drug payment account cannot be processed due to lack of the balance of the drug payment account, the predetermined loan for the payment automatically Visit the financial institution branch (or the head office or a branch) to register the predetermined loan condition information for processing the information, and through the window provided at the financial institution branch (or through a clerk) to purchase medicines of the pharmacy In the case of payment processing, if the payment amount cannot be processed due to lack of balance of the medicine payment account, etc., a form for filling in at least one information item for automatically processing a predetermined loan for the payment is The documents provided, and submit the completed application to the counter staff, the counter staff will The information entered in the application is input (or selected), and the teller terminal transmits the input (or selected) information to the information registration server 2300 provided on the loan condition information registration system through the financial network. It is desirable to transmit.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 2300 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 2300 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 2300. Do.

In the loan condition information registration system as described above, an application created at the pharmacy, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 2300 are used to purchase medicine at the pharmacy. Of the information registration interface for registering loan condition information for automatically processing a predetermined loan for the payment, when the payment amount cannot be processed due to insufficient balance of the medicine payment account, etc. Function can be performed.

The storage medium provided on the loan condition information registration system according to the present invention is characterized in that the loan condition information provided from the information registration terminal and the pharmacy account information corresponding to the loan condition information is stored in association.

Here, the loan condition information, pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company information), etc. Characterized in that it comprises at least one or more.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the banking system described above, whereby the present invention is not limited.

The information registration server 2300 provided on the loan condition information registration system according to the present invention is a generic term for the loan condition information registration system side component connected to the information registration terminal through a predetermined financial network, and includes at least one or more information. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 2300 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1300 is characterized in that it comprises an interface unit 2305 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 2305 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 23, the information registration server 1300 is connected with the interface unit 2305 when the predetermined information registration terminal is connected to the information registration server 2300 through the interface unit 2305. An interface providing unit 2310 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined loan condition information from a registration terminal and providing the same to the information registration terminal; and the interface unit 2305. And an information receiver 2315 for receiving predetermined loan condition information inputted (or selected) and transmitted from the information registration terminal through the user interface, and validity checking for validity of the received loan condition information. The unit 2320 and the loan condition information of which the validity is confirmed are stored in association with the pharmacy information (or pharmacy operator information) and account information. And an information storage unit (2325) for storing a body is characterized in that formed.

The interface providing unit 2310 may provide the loan condition information in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 2300 through the interface unit 2305. Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 2300 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 2305. And provide the generated (or extracted) user interface to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) the loan condition information based on the user interface, and transmits the input (or select) loan condition information to the information registration server 2300 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 2310 may provide a predetermined user interface provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 2305.

The information receiving unit 2315 is a pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, through the user interface in the information registration terminal, Inputting (or selecting) loan condition information including at least one of drug company account information (or drug company information) and the like, and transmitting the loan condition information to the interface unit 2305 to receive the loan condition information. The received loan condition information is provided to the validity verification unit 2320.

The validity confirming unit 2320 is configured to process a loan for a predetermined payment amount for at least one or more pieces of information included in the loan condition information received from the information registration terminal, when a payment is processed according to the purchase of a pharmacy. It is characterized by checking whether the validity is satisfied.

According to an embodiment of the present invention, the validity of the loan condition information is determined by the account ledger corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system. It is preferable to include checking whether it is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include the check the loan limit information of the pharmacy (or pharmacy operator).

When the validity of the loan condition information is confirmed, the information storage unit 2325 stores the loan condition information in association with the pharmacy (or pharmacy operator) information and the account information to store in the storage medium. When the storage medium is provided in the information registration server 2300 or on the network associated with the information registration server 2300, the information storage unit 2325 is included in the received loan condition information. The pharmacy (or pharmacy operator) and account information is preferably stored in the storage medium by linking, if the storage medium is provided in a DBMS provided on the financial system, the information storage unit 2325 is the received DBM provided on the financial system by providing pharmacy (or pharmacy operator) information and account information included in the loan condition information to the information system through the external system on the financial system. It is preferable to store in S.

24 is a view illustrating a loan condition information registration process of a face-to-face method for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to an embodiment of the present invention.

In more detail, FIG. 24 shows that the payment price can be processed on the basis of the lack of the balance of the medicine payment account when the payment process is performed according to the purchase of the medicine by the loan condition information registration system through a predetermined information registration interface in the pharmacy. If it is not possible, or at the request of the pharmacy (item purchaser, etc.), and provide loan condition information for automatically processing a predetermined loan for payment of the purchase price, the loan condition information registration system provides the loan condition information. To a process of storing and registering in a predetermined storage medium by linking with the pharmacy account information, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this drawing 24 to obtain loan condition information Loan condition information registration and storage and registration in a predetermined storage medium by processing in conjunction with the pharmacy account information and Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 24.

Hereinafter, in Fig. 24, the window terminal shown in Fig. 23 is referred to as a "terminal" for convenience, and the information registration server 2300 shown in Fig. 23 is referred to as a "server" for convenience, and the information is registered in the window terminal. At the time of payment processing according to the drug purchase of the pharmacy transmitted to the server 2300, the condition information for processing the loan for a predetermined payment price is referred to as "loan condition information" for convenience.

Referring to FIG. 24, when the teller terminal shown in FIG. 23 connects to the server through a predetermined financial network and processes payment according to the purchase of medicines of the pharmacy, a predetermined payment for processing a loan for a predetermined payment amount is made. When a predetermined communication channel for registering loan condition information is connected, and the information registration request is requested (2400), the server generates (or extracts) a predetermined information registration interface for registering the loan condition information ( 2405) The generated (or extracted) information registration interface is transmitted to the terminal through the communication channel and output (2410).

According to the embodiment of the present invention, the information registration interface is the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, It is preferable to include a user interface for inputting (or selecting) loan condition information including at least one or more pharmaceutical company account information (or pharmaceutical company information).

Then, the terminal through the information registration interface at least one or more pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information ( Or (1515) loan condition information including pharmaceutical company information).

If the terminal through the information registration interface the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company) When the loan condition information including at least one of the information) is input (or selected) (2420), the terminal transmits the input (or selected) loan condition information to the server through the financial network (2425). ).

Then, the server through the financial network the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company) Receiving and reading loan condition information including at least one of information) and the like to check the validity of the loan condition information (2430).

According to an embodiment of the present invention, the validity of the loan condition information is determined by the account ledger corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system. It is preferable to include checking whether it is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

If the validity of the loan condition information is not authenticated (2435), the server generates predetermined information registration error information and transmits it to the terminal (2440), and does not perform an information registration procedure corresponding to the loan condition information. Do not.

On the other hand, if the validity of the loan condition information is authenticated (2435), the server performs an information registration procedure corresponding to the loan condition information, so that the pharmacy information (or pharmacy operator information) and account information included in the loan condition information (2445) is stored in a predetermined storage medium by link processing.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the banking system described above, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2450), thereby completing the procedure of registering the loan condition information transmitted from the terminal.

FIG. 25 is a diagram illustrating a non-face-to-face loan condition information registration system for processing a loan for a predetermined payment amount in a payment process according to a drug purchase in a pharmacy according to another embodiment of the present invention.

In more detail, Figure 25 is a loan condition information registration system through a predetermined information registration interface in a predetermined pharmacy, a predetermined loan condition for processing a loan for a predetermined payment amount at the time of payment processing according to the drug purchase of the pharmacy When the information is provided, the loan condition information registration system relates to a system configuration for storing the pharmacy information (or pharmacy operator information) included in the provided loan condition information and account information in a predetermined storage medium, the present invention, For those skilled in the art, refer to or modify the drawing 25, when the payment processing according to the drug purchase of the pharmacy, in the loan condition information registration system configuration for processing the loan for a predetermined payment price Various implementation methods may be inferred, but the present invention is all inferred implementation methods It is not limited to the implementation method shown in FIG.

Hereinafter, on the card information registration system shown in FIG. 25, at least one component or function corresponding to the functional configuration for storing the card registration information provided from the pharmacy through the predetermined information registration interface on the storage medium is provided for convenience. It is referred to as "information registration server 2500".

Referring to this figure 25 according to the embodiment of the present invention, the loan condition information registration system for processing a loan for a predetermined payment amount in the payment processing according to the drug purchase of the pharmacy, the loan condition information in the pharmacy And an information registration terminal including at least one client terminal including at least one wired terminal or a wireless terminal used for registration, wherein the information registration terminal comprises the loan condition through a predetermined network means. The communication channel is connected to the information registration server 2500 provided on the information registration system.

According to an embodiment of the present invention, the pharmacy is connected to the information registration server 2500 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, and the information When payment processing according to the purchase of medicines of the pharmacy is input (or selected) through the at least one user interface provided by the registration server 2500, the loan condition information for processing a loan for a predetermined payment amount is inputted (or selected). It is preferable that the client terminal transmits the input (or selected) loan condition information to the information registration server 2500 provided on the loan condition information registration system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (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. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet Or connected to the DataTAC / Mobitex based wireless data network It comprises a line data communications terminal including at least one are preferred.

In addition, the information registration server 2500 connected to the client terminal may be either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 2500 may be a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 2500, and inputs or selects at least one or more information through the user interface to transmit the information registration server 2500 to the information registration server 2500. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2500) is provided.

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

In the card information registration system as described above, at least one client terminal including at least one wired terminal or a wireless terminal used for registration of the card information in the pharmacy, and at least connecting the client terminal and the information registration server 2500. At least one wired network or a wireless network performs a function of an information registration interface for registering loan condition information for processing a loan for a predetermined payment amount, when a payment is processed according to a drug purchase of the pharmacy.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one affiliated with the financial institution Terminals (or servers) (not shown) provided in the above institutions may be further included, whereby the present invention is not limited.

In the card information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 2500 ) Is connected to the financial network performs a function of the information registration interface for registering the loan condition information for processing the loan for a predetermined payment amount, when the payment process according to the drug purchase of the pharmacy, or the information registration terminal In the case of the call terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2500 according to the purchase of medicines of the pharmacy In the payment process, performs a function of the information registration interface for registering the loan condition information for processing the loan for the predetermined payment amount, or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is an information registration terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the The network connecting the information registration server 2500 performs a function of an information registration interface for registering loan condition information for processing a loan for a predetermined payment price, when a payment process is performed according to a drug purchase of the pharmacy.

The storage medium provided on the information registration system according to the present invention is characterized in that the loan condition information provided from the information registration terminal and the pharmacy account information corresponding to the loan condition information is stored in a cooperative process.

Here, the loan condition information, pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company information), etc. Characterized in that it comprises at least one or more.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 2500 provided on the loan condition information registration system according to the present invention is a generic term for the loan condition information registration system side component connected to the information registration terminal through a predetermined network means, and includes at least one or more information. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 2500 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2500 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2500 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 2500 is the TV banking. A predetermined TV banking server provided on the system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 2500 is characterized by comprising an interface unit 2505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 2505 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 2500, the interface unit 2505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 2505 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2505 is based on a protocol stack defined in the wireless network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, 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) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the information registration server 2500, the interface unit 2505 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides 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 information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2505 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2505 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 25, when the predetermined information registration terminal is connected to the information registration server 2500 through the interface unit 2505, the information registration server 2500 interworks with the interface unit 2505. An interface providing unit 2510 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined loan condition information from the information registration terminal and providing the same to the information registration terminal; and the interface unit 2505. Information receiving unit 2515 for receiving predetermined loan condition information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the information registration terminal; and the received loan condition information for a pharmacy (or pharmacy operator). And an information storage unit 2525 for linking the information with the account information and storing the information in a predetermined storage medium.

The interface providing unit 2510, when a predetermined information registration terminal is connected to the information registration server 2500 through the interface unit 2505, the loan condition information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 2500 via the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 2505. And provide the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal is based on the user interface pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information And input (or select) loan condition information including at least one or more (or pharmaceutical company information), and transmit the input (or select) loan condition information to the information registration server 2500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 2510 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2505.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface provider 2510 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and to provide the generated (or extracted) user interface to the automated teller machine through the interface unit 2505.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 2510 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface provider 2510 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 2505. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2510 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2505.

The information receiving unit 2515 is a pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, through the user interface in the information registration terminal, Receiving the loan condition information in conjunction with the interface unit 2505 when inputting (or selecting) loan condition information including at least one of pharmaceutical company account information (or pharmaceutical company information) and transmitting the same through the network means. And provide the received loan condition information to the validity verification unit 2520.

The validity confirming unit 2520 is characterized in that whether the loan condition information received from the information registration terminal satisfies the validity for processing the loan for a predetermined payment price, when the payment processing according to the drug purchase of the pharmacy .

According to an embodiment of the present invention, the validity of the loan condition information is determined by the account ledger corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system. It is preferable to include checking whether it is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

When the validity of the loan condition information is confirmed, the information storage unit 2525 may store the loan condition information in the storage medium by linking the pharmacy (or pharmacy operator) information and account information. When the storage medium is provided in the information registration server 2500 or on a network associated with the information registration server 2500, the information storage unit 2525 may store the received loan condition information in the pharmacy ( Or a pharmacy operator) and store the information and the account information in the storage medium in association with each other. When the storage medium is provided in a DBMS provided on the financial system, the information storage unit 2525 may receive the received loan. Providing the condition information, the pharmacy (or pharmacy operator) information and account information to the information system through the external system on the financial system to the DBMS provided on the financial system It is desirable to store.

FIG. 26 is a diagram illustrating a non-face-to-face loan condition information registration process for processing a loan for a predetermined payment amount in a payment process according to a drug purchase of a pharmacy according to another embodiment of the present invention.

More specifically, FIG. 26 is a loan condition information registration system shown in FIG. 25 through a predetermined information registration interface at a predetermined pharmacy, and processes a loan for a predetermined payment amount in a payment process according to a drug purchase of the pharmacy. When the predetermined loan condition information is provided, the loan condition information registration system is configured to process the pharmacy information (or pharmacy operator information) included in the provided loan condition information and account information in a predetermined storage medium. As for those skilled in the art to which the present invention pertains, a loan for processing a loan for a predetermined payment amount in the payment processing according to the medicine purchase of the pharmacy by referring to or modifying this drawing 26 Various implementation methods for the condition information registration process may be inferred, but the present invention is inferred from the above Any implementation method is included, and is not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 26, the client terminal shown in FIG. 25 is referred to as "terminal" for convenience, and the information registration server 2500 shown in FIG. 25 is called "server" for convenience, and the information registration is performed in the client terminal. The pharmacy information, the pharmacy card information, and the pharmaceutical company account information transmitted to the server 2500 are referred to as "card registration information" for convenience.

Referring to FIG. 26, the client terminal illustrated in FIG. 25 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Predetermined communication for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and registering loan condition information for processing a loan for a predetermined payment amount, when a payment is processed according to a drug purchase of the pharmacy; When the channel is connected and the loan condition information is requested to be registered (2600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the loan condition information (2605), and the communication is performed. The generated (or extracted) web page is transmitted to the terminal and output through the channel (2610).

According to the embodiment of the present invention, the information registration interface is the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, It is preferable to include a user interface for inputting (or selecting) loan condition information including at least one or more pharmaceutical company account information (or pharmaceutical company information).

In addition, the web page transmission or output process is preferably performed at least once according to the loan condition information registration procedure, thereby the present invention is not limited.

Then, the terminal through the information registration interface at least one or more pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information ( Or (2515) loan condition information including at least one or more of pharmaceutical company information).

If the terminal through the information registration interface the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan account information, pharmaceutical company account information (or pharmaceutical company) When the loan condition information including at least one of the information) is input (or selected) (2620), the terminal transmits the loan condition information input (or selected) to the server through the communication channel (2625). .

According to an embodiment of the present invention, the pharmacy (or pharmacy operator) personal information, loan payment account, loan period information, repayment period information, loan interest rate information, loan amount information, loan, which is input (or selected) through the communication channel Transmitting loan condition information including at least one or more account information, pharmaceutical company account information (or pharmaceutical company information) to the server, the loan condition information input (or selected) through the information registration interface is provided in the terminal; The method may further include transmitting the electronic signature or encryption through the security module to the server.

Thereafter, the server receives and reads the loan condition information through the communication channel to check the validity of the loan condition information (2630).

According to the implementation method of the present invention, confirming the validity of the loan condition information, the account corresponding to the account information included in the loan condition information in the ledger D / B on the financial system associated with the loan condition information registration system It is preferable to include checking whether the ledger is provided.

In addition, according to the implementation method of the present invention, it is preferable that the validation of the loan condition information includes confirming credit evaluation information of the pharmacy (or pharmacy operator).

In addition, according to the implementation method of the present invention, the validity check of the loan condition information, it is preferable to include checking the loan limit information of the pharmacy (or pharmacy operator).

If the validity of the loan condition information is not authenticated (2635), the server generates a web page including predetermined information registration error information and transmits the web page to the terminal (2640), and information corresponding to the loan condition information is provided. Do not perform the registration process.

On the other hand, if the validity of the loan condition information is authenticated (2635), the server performs an information registration procedure corresponding to the loan condition information, thereby linking the loan condition information with the pharmacy (or pharmacy operator) information and account information. The process stores the data in a predetermined storage medium (2645).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan condition information registration system (or associated with the loan condition information registration system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium is at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan condition information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2650), thereby completing the procedure of registering the loan condition information transmitted from the terminal.

FIG. 27 is a diagram illustrating a configuration of an information processing system for automatically generating total amount loan support information including the loan details when a payment is made for a predetermined purchase price according to an embodiment of the present invention.

More specifically, FIG. 27 shows goods purchaser account information (eg, pharmacy account information, etc.) and goods provided from a given item buyer (eg, a pharmacy) through the account information registration system shown in FIG. 1 or 6. Seller account information (e.g., pharmaceutical company account information, etc.) is stored in association with the ledger D / B or a predetermined storage medium on the financial system, and the drug sold by the pharmaceutical company using a card using the pharmacy account as a payment account In the process of payment for the payment, in the process of depositing the payment from the pharmacy account to the pharmacy account, if the payment for the loan payment due to the lack of the balance of the payment account, the payment processing history and loan An information processing system for automatically generating a predetermined amount of loan assistance request information including processing details. As regards sex, a person of ordinary skill in the art to which the present invention pertains may refer to, or modify, this payment 27, and upon payment of the medicines sold by the pharmaceutical company, the payment price may be from the pharmacy account. In the process of depositing the payment, if the payment for the payment due to the lack of the balance of the payment account, etc., the loan payment request information including the payment processing details and the loan processing details automatically generated automatically Various implementation methods for the configuration of the information processing system to be inferred, but the present invention comprises all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. .

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify this drawing 27 and store and register the pharmacy account information stored in the drawings 1 or 6 and the pharmacist account linked to the pharmacy account. Information, card information using the pharmacy account as a payment account, and predetermined loan condition information are stored in a predetermined storage medium, stored in a ledger D / B on the financial system, or linked with the ledger D / B. Various implementation methods stored in a predetermined database may be inferred, and the present invention includes all implementation methods inferred.

Referring to FIG. 27, when the payment is processed for the medicine sold by the pharmaceutical company, the payment is loaned from the pharmacy account to the pharmaceutical account due to the lack of the balance of the payment account. In the case of payment by processing, the information processing system for automatically generating a predetermined total limit loan assistance request information including the payment processing details and loan processing details, the account information registration system shown in FIG. Through this, pharmacy account information and pharmaceutical company account information provided from a predetermined pharmacy (or pharmacy operator) is stored in association with the ledger D / B or a predetermined storage medium in the financial system, and the card that uses the pharmacy account as a payment account Produce a payment approval request for processing the drug purchase loan payment through the pharmacy through Receives the terminal device to be sent and the loan payment approval request message sent from the terminal device, and read the loan payment approval request text to confirm the loan payment amount contained in the loan payment approval request text, the loan payment amount Loan processing means for processing the loan to deposit the payment account (pharmacy account), and check the payment account (pharmacy account) information corresponding to the card information, withdraw the payment from the pharmacy account to the pharmacy account Payment processing means for depositing to the pharmaceutical company account associated with, and the payment (loan) amount (eg, purchase (or sale) included in the full payment approval request, included in the ledger D / B or included in the storage medium Information such as amount of money), pharmacy information corresponding to the card information, and pharmaceutical information corresponding to the pharmacy account linked to the pharmacy account. And information processing means for collecting the information and generating a predetermined total amount of loan assistance request information.

In addition, according to an embodiment of the present invention, the information processing system, predetermined account information (eg, pharmacy account and pharmaceutical company account) for the payment of the drug purchase price using a card that uses the pharmacy account linked to the pharmaceutical company account as a payment account Etc.) may be further included.

In addition, according to an embodiment of the present invention, the information processing system, predetermined card information for payment of a medicine purchase price using a card that uses a pharmacy account linked to the pharmaceutical company account as a payment account (for example, payment of the pharmacy account) It may be configured to further include information registration means for registering a pharmacy (or pharmacy operator) name of the account).

In the following embodiment, the payment account is used for payment of a medicine purchase price using a card having a pharmacy account linked to the pharmacy account as a payment account using each function means of the information processing system shown in FIG. 27 as a function configuration unit having the same function. The payment process cannot be performed due to a lack of balance or the purchase payment loan approval request message received from a predetermined terminal device. Payment processing means for depositing and depositing a deposit to a pharmacy account linked to the pharmacy account, and the payment (loan) amount included in the full payment approval request, included in the ledger D / B, or included in a storage medium ( For example, the amount of purchase (or sale) information), the pharmacy information corresponding to the card information, and the pharmacy account. The information processing server for collecting the pharmaceutical information corresponding to the pharmaceutical company account to generate a predetermined total limit loan support request information, which is to enable a more effective understanding of the present invention, as described below It is not limited to an Example.

FIG. 28 is a diagram illustrating an information processing server configuration for automatically generating total amount loan support information including the loan details when a loan is settled for a predetermined purchase price according to an embodiment of the present invention.

In more detail, this figure 28 shows goods purchaser account information (eg, pharmacy account information, etc.) provided from a given item buyer (eg, a pharmacy) through the account information registration system shown in FIG. 1 or 6 above. Goods seller account information (e.g., pharmaceutical company account information, etc.) is stored in association with the ledger D / B or a predetermined storage medium in the financial system, and sold by the pharmaceutical company using a card that uses the pharmacy account as a payment account In the process of payment for a medicine, in the process of depositing the payment price from the pharmacy account to the pharmacy account, if the payment for the loan payment due to the lack of the balance of the account, the payment processing history and In the information processing server configuration to automatically generate a predetermined total amount of loan assistance request information including the loan processing history As one having ordinary skill in the art to which the present invention pertains, the payment is made from the pharmacy account to the pharmacy account upon payment processing for the medicines sold by the pharmacy by referring to or modifying the drawing 28. In the process of depositing, if the payment for the loan payment due to the lack of the balance of the payment account, etc., the loan total amount including the payment processing details and the loan processing details automatically generated loan support request information Various implementation methods for the information processing server configuration may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to, or modify, the pharmacy account information associated with the pharmacy account and the pharmacy account information stored and registered with reference to FIG. 28 or FIG. Information, card information using the pharmacy account as a payment account, and predetermined loan condition information are stored in a predetermined storage medium, stored in a ledger D / B on the financial system, or linked with the ledger D / B. Various implementation methods stored in a predetermined database may be inferred, and the present invention includes all implementation methods inferred.

Referring to FIG. 28, the information processing server receives a full payment approval request for a drug purchase transmitted from the payment terminal device, reads the full payment approval request and includes the full payment approval request. In the process of depositing the payment account (pharmacy account) information corresponding to the pharmacy (or pharmacy operator) card information, withdraw the payment from the pharmacy account to the pharmaceutical company account associated with the pharmacy account, the payment account When the payment is made by lending the settlement price due to a lack of balance, the predetermined amount of the loan including the payment processing details and the loan processing details is automatically generated.

In addition, the information processing server, the pharmacy account information stored and registered through the account information registration system shown in Figure 1 or 6, the pharmaceutical company account information associated with the pharmacy account, and the card shown in Figure 13 It is linked with a financial system having card information using the pharmacy account, which is stored and registered through the information registration system, as a payment account. For a detailed description of the financial system, refer to FIG. 1 or 6, or 13. In FIG. 28, a detailed description of the financial system will be omitted for convenience.

In addition, the information processing server, CAT (Credit Authorization Terminal) for processing the purchase payment for a predetermined drug sold by the pharmaceutical company using a card that the pharmacy account linked to the pharmaceutical company account as a payment account, and And / or a terminal device including at least one Point Of Sales (POS) terminal or the like and connected through a predetermined network, wherein the terminal device is a predetermined network (eg, a financial common network, a value added VAN). Network) to form a predetermined payment network with the information processing server.

According to an exemplary embodiment of the present invention, the terminal device reads predetermined card information from the card through a predetermined card reader in a drug purchase price settlement process of the pharmacy, and predetermined payment amount through a predetermined key input device. Inputting information (or confirming payment information through a barcode reader (or RFID reader)), generating a payment approval request message including the card information and payment information, and transmitting the information to the information processing server through the network; It is preferable.

Those skilled in the art to which the present invention pertains include a terminal and a VAN or financial cooperative network that processes the drug purchase price payment using a card that uses a pharmacy account linked to the drug sales pharmacy account as a payment account. Since it will be familiar with the detailed technical features of the network to include, a detailed description thereof will be omitted for convenience.

Referring to FIG. 28 according to an embodiment of the present invention, the information processing server includes card information and payment price information for purchasing medicines from the terminal device through the network (eg, a financial common network or a VAN). When the payment approval request message is received through the specialized receiving unit 2805 and the professional receiving unit 2805, which receives the payment approval request message, the received payment approval request message is read and included in the payment approval request message. Full text reader 2810 for confirming the credit card information and payment information, pharmacy account (payment account) information corresponding to the card information confirmed through the professional reading unit 2810 in conjunction with the storage medium and the pharmacy An information verification unit 2820 that checks the pharmaceutical company account information stored in association with the account, and withdraws the amount of the payment amount from the pharmacy account. If it is determined that the amount of money can be withdrawn, the payment processing unit (2845) and withdraws the amount from the pharmacy account and the deposit processing to the pharmaceutical company account, and the payment from the pharmacy account through the payment processing unit (2845) If it is determined that the withdrawal amount is not possible, it is determined whether or not to process the loan for the payment amount according to the loan condition information stored in the storage medium, and the loan for the amount corresponding to the payment amount to the pharmacy account Loan processing unit 2840 for deposit processing, information storage unit 2850 for storing the payment processing history or loan processing history in association with the pharmacy information, card information or pharmacy account information stored in the storage medium, and the payment Automatically generate loan assistance request information for a predetermined total amount including a transaction history and a loan transaction history Including a beam processor (2830) is characterized in that formed.

In addition, when a predetermined loan processing is performed through the loan processing unit 2840, the information processing server sends the loan processing details to the pharmacy (or pharmacy operator) communication means (for example, mobile phone, telephone, fax, email, etc.). It may be configured to further include an information transmitter 2835 to transmit.

The specialized receiving unit 2805 receives the full payment approval request message including the card information and payment price information for the purchase of medicines from the terminal device through a network between the server and the terminal device (eg, a financial common network or a VAN). The received payment approval request full text is transmitted to the full text reader 2810.

The expert reading unit 2810 reads the payment approval request message received from the terminal device through the message receiving unit 2805, and reads the received payment approval request message, which is included in the payment approval request message. Characterized in the card information and payment information and terminal device unique information (or pharmacy unique information), and delivers the confirmed card information to the information verification unit 2820, and the payment information confirmed Transfer to payment processing unit 2845 and information processing unit 2830.

The information checking unit 2820 may check the information on the pharmacy account (payment account) corresponding to the card information by interworking with the storage medium when the card information confirmed through the specialized reading unit 2810 is delivered. It is done.

In addition, the information verification unit 2820 is characterized in that to confirm the pharmacy deposit account information associated with the confirmed pharmacy account information, the pharmacy account information and the pharmaceutical company account information to the payment processing unit 2845 To pass.

The payment processing unit 2845, when the confirmed pharmacy account information and the pharmaceutical company account information is transmitted through the information verification unit 2820, the pharmacy account is inquired to determine that it is possible to withdraw the payment from the pharmacy account; When the payment is possible withdrawal, the amount of money is withdrawn from the pharmacy account and the deposit is processed into the pharmaceutical company account, and the payment processing details are transmitted to the information processing unit 2830.

When the loan processing unit 2840 determines that it is not possible to withdraw the amount of the payment amount from the pharmacy account through the payment processing unit 2845, the loan processing unit 2840 may apply to the payment amount according to the loan condition information stored in the storage medium. Determining whether or not to process the loan, and deposits a loan for the amount corresponding to the payment amount to the pharmacy account, and transfers the loan processing details to the information processing unit 2830.

According to another exemplary embodiment of the present invention, when the loan processing unit 2840 determines that it is not possible to withdraw the amount of the payment amount from the pharmacy account through the payment processing unit 2845, it is stored in the storage medium. According to the loan condition information, it is determined whether the loan processing for the settlement price, and the loan amount (payment amount) is characterized in that the deposit processing to the pharmaceutical company account.

When the purchase price payment processing according to the purchase of the medicine is performed through the payment processing unit 2845, the specialized transmission unit 2815 generates a payment approval response message including the payment processing details and transmits the generated payment approval message to the terminal device. It is characterized by.

The information processing unit 2830 automatically receives a loan amount request information including the payment processing details and the loan processing details when the payment is performed by receiving the loan for the purchase price through the loan processing unit 2840. It characterized in that to generate.

According to the implementation method of the present invention, the total limit loan support request information, the goods buyer (eg, pharmacy, etc.) information and goods seller (eg, pharmaceutical company, etc.) information, goods price information, transaction date and time, tax invoice Characterized in that it comprises at least one or more details.

According to the implementation method of the present invention, the tax invoice details are included in the tax invoices generated through the goods transaction information (eg, name, business registration number, address, representative name, item, business status) and supply of goods Recipient information (e.g., name, business registration number, address, representative name, item, business status), supply value information, VAT information, issue date information, and transaction item (or item) information It is done.

According to an embodiment of the present invention, the information processing unit 2830 may include the information on the goods buyers (eg, pharmacies, etc.) and goods sellers (eg, pharmaceutical companies, etc.), goods price information, transaction dates, Characterized in that the total amount limit loan assistance request information including at least one or more of the tax invoice statement, characterized in that stored in the storage medium 2320.

According to another exemplary embodiment of the present invention, the information processing unit 2830 may include the information on the goods buyers (eg, pharmacies, etc.), goods sellers (eg, pharmaceutical companies, etc.), goods price information, transaction dates, and the like. In addition, the total amount of loan support request information including at least one of the tax invoice statement and the like is periodically transmitted to the total limit loan fund provider.

29 is a diagram illustrating a functional configuration of a terminal device for drug purchase payment processing using a card having a pharmacy account linked to a pharmaceutical company account as a payment account according to an embodiment of the present invention.

More specifically, FIG. 29 shows that the pharmacy account information and the pharmacy account information provided from a predetermined pharmacy (or pharmacy operator) through the account information registration system shown in FIGS. The terminal device is configured to be linked to the storage medium of the storage device, and to perform payment processing for medicines sold by the pharmaceutical company using a card having the pharmacy account as a payment account. Those of ordinary skill in the art may refer to or modify this drawing 29 to implement various functions of a terminal device function for performing payment processing for medicines sold by the pharmaceutical company by using a card that uses the pharmacy account as a payment account. It will be possible to infer a method, but the present invention includes all implementation methods inferred from the above, Only an exemplary method illustrated in figure 29 is not limited its technical characteristics.

For example, those skilled in the art to which the present invention pertains may refer to or modify this drawing 29 to provide a Credit Authorization Terminal (CAT), a Point of Sale (POS) terminal, or a financial automation device ( For example, a cash automatic teller machine (ATM), a cash dispenser (CD), or a payment terminal equipped with at least one or more wired or wireless terminals, and / or a card reader, or a card reader. A method of applying the functional configuration of the terminal apparatus illustrated in FIG. 29 to a payment home appliance terminal equipped with the present invention may be inferred, and the functional configuration of the terminal apparatus illustrated in FIG. 29 is not limited to a specific terminal apparatus. .

Referring to FIG. 29, a terminal device that performs payment processing for medicines sold by a pharmaceutical company using a card having the pharmacy account as a payment account is basically a control unit 2905, a memory unit 2945, and a card interface. 2900, a key input unit 2915, a screen output unit 2910, a communication unit 2925, a security application module 2930, a print output unit 2935, and a power supply unit 2920 for supplying power to a terminal device. It can be done by.

The control unit 2905 controls the overall operation of the terminal device in the functional configuration, manages the flow of information or data between each component, using a card that the pharmacy account as a payment account, drugs sold by the pharmaceutical company Characterized in that the components provided in the terminal device to perform the payment processing for the hardware, at least one processor and execution memory including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) (For example, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and from a predetermined recording medium in order to perform a function specific to the terminal device in software. A predetermined program routine that is loaded into the execution memory and processed by the processor e) or a predetermined program recorded on a recording medium provided in the terminal device for carrying out payment processing for medicines sold by the pharmaceutical company using a card containing the program data (therefore, the pharmacy account as a payment account). Alternatively, the controller 2905 may view a component that can be processed in software among functional components provided in the terminal device to perform payment processing for medicines sold by the pharmaceutical company using a card having the pharmacy account as a payment account. It is characterized in that it is made to be provided in).

In particular, the controller 2905 may be an operating system routine, a system management routine, or a system stored in a predetermined memory unit 2945 for controlling and managing the overall operation of the terminal apparatus after the terminal apparatus is booted in software. Variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, or an electronic payment service.

The memory unit 2945 is a predetermined program routine (or code) or program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the terminal device. A general term of non-volatile memory for storing the data, including at least one storage means including an electrically erasable and programmable read only memory (EEPROM) and / or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine required for the control unit 2905 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

According to a preferred embodiment of the present invention, the memory unit 2945 may use at least one or more specialized inclusion information to perform payment processing for medicines sold by the pharmaceutical company by using a card having the pharmacy account as a payment account. Preferably, the full text inclusion information may include the terminal information (eg, CAT_ID information, or unique information of a pharmaceutical company (such as a unique ID)).

The card interface 2900 may be configured to read at least one or more information or data included in a predetermined card in order to realize payment processing for a drug sold by the pharmaceutical company using a card having the pharmacy account as a payment account. And an MS interface providing an interface between the MS (Magnetic Stripe) card and the terminal device based on the ISO / IEC 7810 standard, and / or a contact IC card based on the ISO / IEC 7816 standard. And a contact IC interface providing an interface between the terminal devices, and / or a contactless IC interface providing an interface between the contactless IC card and the terminal device based on the ISO / IEC 14443 standard.

The MS interface is a card interface 2900 based on ISO / IEC 7810. The MS interface includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which the data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to the terminal device.

The contact IC interface is a card interface 2900 based on ISO / IEC 7816. The contact IC interface includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and transmitting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized by interfacing to.

The contactless IC interface is a card interface 2900 based on ISO / IEC 14443, and includes at least one contactless electrical contact with the contactless IC card by using capacitive coupling and / or inductive coupling. It comprises an antenna, and supplies power to the IC chip of the IC card through the antenna, the predetermined information or data from the IC chip to the terminal device through the half-duplex transaction using the APDU Interfacing.

The key input unit 2915 is a terminal operator from a predetermined key input means comprising a plurality of number keys (Character Key), a function key (Function Key) and the like to enter a character and And / or input the corresponding key data generated by the user clicking a predetermined key to the controller 2905, wherein the controller 2905 is key data input through the key input unit 2915. Read and control a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the terminal apparatus.

According to an embodiment of the present invention, the key input unit 2915 receives input of predetermined payment amount information for performing a payment process for a drug sold by the pharmaceutical company by using a card having the pharmacy account as a payment account. It is preferable to perform the function of the key input means.

The screen output unit 2910 is the control unit in the process of the terminal device performs a predetermined function (e.g., payment processing function for the drug sold by the pharmaceutical company using a card with the pharmacy account as a payment account) (2905) at least one information or data that is predefined or is defined in real time to be output to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT) to a predefined screen interface And the information or data predefined to be output on the screen by the terminal device are inputted by the key data input through the key input unit 2915 or by a component included in the terminal device. Information (or data) stored or generated, information (or data) transmitted or received through the communication unit 2925, or image (Or data) corresponding to a predetermined operation result performed by the terminal device comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 2910 is a screen for outputting a payment screen for performing a payment process for a drug sold by the pharmaceutical company using a card with the pharmacy account as a payment account It is preferable to perform the function of the output means.

The communication unit 2925 is configured to perform a predetermined function (for example, a function of performing a payment process for a drug sold by the pharmaceutical company by using a card for which the pharmacy account is a payment account) by the terminal device. A terminal (or server) on the terminal or a terminal (or device) connected to the terminal device through a predetermined cable or a terminal (or device) connected to the terminal device through a predetermined short-range wireless communication to connect a communication session. And a communication session with a predetermined terminal (or device) through a network communication unit 2925 or a predetermined cable communication port for connecting a predetermined communication channel with an information processing server on a wired or wireless network. A predetermined short-range communication through a cable communication unit 2925, or at least one short-range wireless communication means for connecting the Is made by a terminal (or device) and the short range wireless communication unit (2925) for connecting to a predetermined communication session comprises a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit 2925 may be a predetermined wired or mobile communication network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or a communication channel connected to an information processing server on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and a modem for connecting the payment terminal to a predetermined wired / wireless network in hardware. Or a network interface card (NIC), and includes a communication protocol or a driver for software to connect the payment terminal to the wired or wireless network.

The cable communication unit 2925 may connect a communication session with a predetermined cable communication terminal (or device) through predetermined cable communication (for example, RS-232c and USB (Universal Serial Bus)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol or driver for the cable communication in software.

When the cable communication terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader according to an embodiment of the present invention, the cable communication unit 2925 is at least from the cable communication terminal (or device). It is preferable to receive one or more purchased goods (or items) information and a payment amount corresponding to the purchased goods (or items).

The short range wireless communication unit 2925 may include at least one short range wireless communication means including infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware Including a wireless communication module, and comprises a communication protocol or driver for the short-range wireless communication in software.

According to an embodiment of the present invention, when the local area terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader, the local area wireless communication unit 2925 is at least one from the local area terminal (or device). It is preferable to receive the above purchase goods (or items) information and the payment amount corresponding to the purchased goods (or items).

The secure application module 2930 (Secure Application Module (SAM)) is a confidentiality (Authentication) or authentication (Integrity) or required in the process of the terminal device to perform the electronic payment or electronic payment using the card or A security device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the terminal device without using an authentication server (or an information processing server) on a network, wherein the terminal device is a predetermined device. Encrypts or decrypts a message (information or data) that is processed in the course of performing a security request function (e.g., electronic payment or electronic payment function), and adds an authenticator to prevent forgery (or tampering) of the message; Or to store important key information in the process of performing the security request function. It characterized.

In general, the security application module 2930 is preferably composed of a predetermined security application module 2930 inserter and a security application module 2930 chip, the security application module 2930 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 2930 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) or key required for the terminal device to perform a predetermined security request function (E.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocols, key download protocols, SAM revocation protocols) and / or commands (e.g., at least one read / authentication / transmission / registration / setup / mode switch / gather / delete / discard / initialize / reprocess / cancel commands) It is preferable to comprise.

The print output unit 2935 may perform a predetermined function (for example, a payment processing function for a drug sold by the pharmaceutical company by using a card for which the pharmacy account is a payment account) or the result of the terminal device. And outputting predetermined information or data (for example, medicine purchase price payment processing result information or data) generated as a predetermined printing device 2940 (for example, a receipt printing machine). And a printing protocol and a driver for printing the print information or data through a predetermined printing device 2940.

Referring to FIG. 29, a terminal device for performing a payment process for a drug sold by a pharmaceutical company using a card having the pharmacy account as a payment account is connected with the card interface 2900 to FIG. 11. A card reader unit 2950 for reading card information from a card issued to the pharmacy (or pharmacy operator) through a card issuing system shown in FIG. 13 or a card registered through the card information registration system shown in FIGS. 13 or 18. And, information input unit (2955) for receiving the information about the purchase price of medicines purchased in the pharmacy, a professional generation unit (2960) for generating a payment approval request full text including the card information and the price of the medicine purchase, and the generation Full text of the payment approval request in conjunction with the communication unit (2925) (network communication unit) to transmit to the information processing server through the payment network It is characterized in that it comprises a sending (2965), a professional processing unit for receiving and outputting a payment approval response message corresponding to the payment approval request full text from the information processing server through the payment network in connection with the communication unit 2925 It is characterized by comprising (2970).

When the card using the account associated with the pharmaceutical company account as the payment account is a predetermined MS card, the card reader 2950, when the card is recognized through the card interface 2900 (eg, the MS interface), Predetermined card information from the MS provided to the card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or the card registered through the card information registration system shown in FIG. For example, a card number, etc.).

If the card using the account associated with the pharmaceutical company account as a payment account is a predetermined IC card, the card reader unit 2950 may recognize the card through the card interface 2900 (eg, a contact IC interface). In connection with the key input unit 2915, a PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 2915 and the IC card is provided through the card interface 2900. To confirm the confidentiality, authentication, integrity, and nonrepudiation of the IC card, and when the validity of the IC card is authenticated, as shown in FIG. A card issued to the pharmacy (or pharmacy operator) through the issued card issuing system or a card registered through the card information registration system shown in FIGS. 13 or 18 Characterized by reading the predetermined information from the IC card chip.

According to another exemplary embodiment of the present invention, the card information may be keyed through the key input unit 2915, and the present invention is not limited thereto.

The information input unit 2955 is connected to the key input unit 2915 to receive the price information of the purchased medicines and the purchased medicines (or items) to be processed through the card.

According to the exemplary embodiment of the present invention, a payment amount is input in association with the key input unit 2915, or for at least one or more purchased medicines (or items) through the cable communication unit 2925 or the short range wireless communication unit 2925. The payment amount may be input.

When the predetermined card information is read through the card reader 2950 and the purchased medicine price information and the purchased medicine (or item) information to be paid through the information input unit 2955 is input, the full text generation unit 2960 is provided. The payment information including the card information, the drug price information to be paid and the purchased medicine (or item) information and at least one or more specialized inclusion information (eg, terminal device specific information and pharmaceutical company specific information, etc.) stored in the memory unit 2945. Create a full approval request.

When the payment approval request full text is generated, the full text transmission unit 2965 connects the generated payment approval request full text with the communication unit 2925 (network communication unit) in association with the communication unit 2925 (network communication unit). The information processing server corresponding to the pharmacy (or pharmacy) card information is transmitted through a payment network.

Thereafter, the specialized processor 2970 checks whether the payment approval response message corresponding to the payment approval request message is received from the information processing server through the payment network in connection with the communication unit 2925 (network communication unit). When a payment approval response message corresponding to the payment approval request message is received from the information processing server through the payment network, the payment processing details included in the payment approval response message are output through the screen output unit 2910, or Alternatively, the printing may be performed through the print output unit 2935.

30 is a flowchart illustrating an operation of a terminal device according to an exemplary embodiment of the present invention.

More specifically, FIG. 30 uses a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. 13 or FIG. An operation process of a terminal device for generating a payment approval request message including the card information, the payment product (or item) information, the payment price information, and the terminal device (or pharmaceutical company) unique information during the payment of the pharmacy drug purchase For those of ordinary skill in the art to which the present invention pertains, various embodiments of the terminal device operation process for the drug purchase payment processing through the card may be inferred by referring to or modifying the drawing 30. As will be appreciated, the present invention includes all implementation methods inferred by way of example and are shown in FIG. The technical features are not limited only by the implementation method.

Referring to FIG. 30, the terminal device shown in FIG. 29 registers a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or the card information shown in FIG. 13 or FIG. A card issued to the pharmacy (or pharmacy operator) through a card issuing system shown in FIG. 11 through a predetermined card reader for processing of purchase of medicines through a card registered through the system, or the drawing 13 or 18 The card information is read from the card registered through the card information registration system shown in FIG. 3000.

According to an embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. In the case of a predetermined MS card, when the card is recognized through a predetermined card reader, the terminal device issues a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. It is preferable to read predetermined card information from the MS provided in the registered card through the card information registration system shown in FIG.

According to another embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. Is a predetermined IC card, when the card is recognized by the card reader, the terminal (Personal Identification Number) based IC card validity authentication procedure in association with a predetermined key input means provided in the terminal device ( For example, a predetermined PIN may be inputted through the key input unit 2915 to be transmitted to the IC card through the card interface 2900 to provide confidentiality, authentication, integrity, and the like with respect to the IC card. A procedure for confirming nonrepudiation) and the validity of the IC card is verified, the pharmacy through the card issuing system shown in FIG. It is preferable to read predetermined card information from the card issued to the (or pharmacy operator) or the IC chip provided in the registered card through the card information registration system shown in Figs. 13 or 18 above.

According to another exemplary embodiment of the present invention, the card information may be keyed through a predetermined key input means provided in the terminal device, and the present invention is not limited thereto.

Thereafter, the terminal apparatus registers a card issued to the pharmacy (or pharmacy operator) through the card issuing system illustrated in FIG. 11 in association with the key input unit 2915 or the card information illustrated in FIG. 13 or 18. It is checked whether item price information and purchase item (or item) information for payment processing is input through a card registered through the system (3005).

According to the exemplary embodiment of the present invention, the terminal device may check whether predetermined drug payment amount and purchased goods (or item) information are input through a predetermined key input means.

Alternatively, the terminal device may check whether at least one or more purchased medicine (or item) information and a corresponding payment amount are input through a predetermined barcode reader (or RFID reader).

If the purchased medicine (or item) information and the payment amount thereof are confirmed (3010), the terminal device checks the card information, the payment amount and the purchased goods (or item) information, and at least one full text stored in the terminal device memory. A full payment approval request message including the included information is generated (3015).

If the payment approval request message is generated (3020), the terminal device transmits the generated payment approval request message to the information processing server corresponding to the card through a predetermined payment network (3025).

According to an embodiment of the present invention, the terminal device may transmit the full payment approval request message to an information processing server corresponding to the card information through a payment network including a value added network (VAN).

Thereafter, the terminal device periodically checks whether the payment approval response message including the payment processing details corresponding to the payment approval request message is received from the information processing server through the payment network (3030).

If the payment approval response message is received through the payment network (3035), the terminal device displays a payment processing history (eg, payment approval details or payment error details) included in the received payment approval response message. Output through the means, or through a predetermined printing device (2940) (3040).

FIG. 31 is a diagram illustrating a process of generating predetermined total limit loan assistance request information when a payment amount according to a drug purchase of a pharmacy according to one embodiment of the present invention is processed as an automatic loan.

In more detail, this drawing 31 shows that the pharmacy account information and the pharmacy account information provided from a given pharmacy (or pharmacy operator) are stored in the ledger D / B through the account information registration system shown in FIG. 1 or 6. Alternatively, when the payment process for a drug sold by the pharmaceutical company using a card that is linked to a predetermined storage medium and stores the pharmacy account as a payment account, the payment amount may be In the case that withdrawal is not possible, a part (or all) of the payment amount is automatically loaned with reference to predetermined loan condition information stored and registered through the loan condition information registration system shown in FIG. 13 or 25, For the process of generating a predetermined total limit loan support request information based on the loan processing history and information stored in the ledger D / B As a person having ordinary knowledge in the art to which the present invention pertains, when referring to or modifying the drawing of FIG. 31 to process the payment for the purchase of the pharmacy through a predetermined loan, it corresponds to the loan processing details. Various implementation methods for the process of generating the total amount of loan assistance request information can be inferred, but the present invention includes all the implementation methods inferred, the technical features only by the implementation method shown in FIG. This is not limited.

In the drawing 31, the information processing server 2800 shown in the drawing 28 will be referred to as " server " for convenience.

Referring to FIG. 31, the server checks the pharmacy account and checks whether the payment amount can be withdrawn (3100). If the withdrawal of the payment is not possible (3105), the server interworks with the storage medium. The loan condition information stored in association with the pharmacy information is checked (3110).

When the loan condition information stored in association with the pharmacy information is confirmed in the storage medium (3115), the server determines a loan process for a part (or all) of the payment amount with reference to the checked loan condition information. (3120).

Then, the server deposits the loan amount (payment amount) to the pharmacy account (3125), and transmits the loan processing details to the pharmacy communication means (3130).

In addition, the server refers to the information on the purchaser and seller (eg, pharmacy, etc.) and the seller of the goods (eg, pharmaceutical company, etc.) with reference to the loan processing history and the information on the buyer and seller information stored in the storage medium (or ledger D / B) Generating a total amount loan support request information including at least one piece of information, item price information, transaction date and date, tax invoice statement, etc. (3135); and generating the total amount loan support request information to the storage medium. Save (3140).

Thereafter, the server periodically transmits the generated total limit loan support fund request information to the total limit loan fund providing institution.

32 is a diagram illustrating a functional configuration of a terminal apparatus having a purchase fund loan settlement processing function according to an embodiment of the present invention.

In more detail, FIG. 32 provides the payment mode by dividing the self-funded payment mode and the purchase fund loan payment mode when the payment is processed according to the purchase of the goods (eg, medicines, etc.). Regarding the configuration of a terminal device for generating a payment request authorization corresponding to a mode and processing a payment, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 32 to convert the pharmacy account into a payment account. By using a card to make a purchase, it is possible to infer various implementation methods for the terminal device function configuration for generating payment processing for the approval request corresponding to each mode according to the purchaser's selection. It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to or modify this drawing 32 to provide a Credit Authorization Terminal (CAT), Point of Sale (POS) terminal, or Financial Automation Device ( For example, a cash automatic teller machine (ATM), a cash dispenser (CD), or a payment terminal equipped with at least one or more wired or wireless terminals, and / or a card reader, or a card reader. A method of applying the functional configuration of the terminal apparatus illustrated in FIG. 32 to a payment home appliance terminal equipped with the present invention may be inferred, and the functional configuration of the terminal apparatus illustrated in FIG. 32 is not limited to a specific terminal apparatus. .

Referring to FIG. 32, in the payment processing according to the purchase of the goods (eg, medicines), the payment mode is divided into a self-funded payment mode and a purchase fund loan payment mode, and each mode is selected according to the purchaser's selection. The terminal device generating the approval request message corresponding to the payment process basically includes a control unit 3205, a memory unit 3245, a card interface 3200, a key input unit 3215, a screen output unit 3210, and a communication unit 3225. ) And a security application module 3230, a print output unit 3235, and a power supply unit 3220 for supplying power to the terminal device.

The control unit 3205 controls the overall operation of the terminal device according to the function configuration, manages the flow of information or data between each component, and sets the payment mode in the payment processing according to the purchase of the article (eg, medicine). Controlling the components provided in the terminal device to provide a self-payment payment mode and the purchase payment loan payment mode, and to generate a full text of the approval request corresponding to each of the modes according to the purchaser's choice to process the payment process And a bus for inputting and outputting at least one processor, an execution memory (for example, a register or a random access memory (RAM)), and predetermined data in hardware, including a central processing unit (CPU) / micro processing unit (MPU). (BUS), and in order to perform the functions specific to the terminal device in software A predetermined program routine (Routine) or program data which is loaded from the definition recording medium into the execution memory and is processed by the processor (hence, during the payment process according to the purchase of the article (e.g., a medicine), The payment mode is divided into a self-funded payment mode and a purchase fund loan payment mode, and a recording medium provided in the terminal device for generating and processing the approval request message corresponding to each mode according to the purchaser's selection. Using a predetermined program recorded or a card having the pharmacy account as a payment account (or loan account), software processing is performed among the functional configurations provided in the terminal device to perform payment processing for medicines sold by the pharmaceutical company. Possible components are shown in the control unit 3205) It characterized by that.

In particular, the controller 3205 is an operating system routine, system management routine, or system stored in a predetermined memory unit 3245 to control and manage the overall operation of the terminal device after the terminal device is booted in software. Variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, a system management program, or an electronic payment service.

The memory unit 3245 is a predetermined program routine (or code) or program data (for example, information or data input and output when an operation by the program routine (or code) is performed) for controlling the overall operation of the terminal device. A general term of non-volatile memory for storing the data, including at least one storage means including an electrically erasable and programmable read only memory (EEPROM) and / or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine required for the control unit 3205 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

According to a preferred embodiment of the present invention, the memory unit 3245 provides the payment mode by dividing the payment mode into the self-funded payment mode and the purchase fund loan payment mode when the payment is processed according to the purchase of the article (eg, medicine). According to the purchaser's selection, it is preferable to store at least one or more specialized inclusion information in order to generate and process the approval request telegram corresponding to each mode, wherein the specialized inclusion information is the terminal device information (eg, CAT_ID information). Or unique information (such as a unique ID) of an item seller (eg, a pharmaceutical company).

The card interface 3200 divides the payment mode into a self-funded payment mode and a purchase fund loan payment mode when providing payment according to the purchase of the goods (eg, medicines). It provides an interface for reading at least one or more information or data provided in a predetermined card to generate a payment request authorization corresponding to the mode, and based on the ISO / IEC 7810 standard MS (Magnetic) Stripe) MS interface that provides an interface between a card and the terminal device, or a contact IC interface that provides an interface between a contact IC card and the terminal device, or based on ISO / IEC 14443 standard. Including a contactless IC interface for providing an interface between the contactless IC card and the terminal device The.

The MS interface is a card interface 3200 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which the data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to the terminal device.

The contact IC interface is a card interface 3200 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and transmitting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized by interfacing to.

The contactless IC interface is a card interface 3200 based on ISO / IEC 14443, and includes at least one antenna which makes contactless electrical contact with a contactless IC card by using capacitive coupling or inductive coupling. It is included, and supplies power to the IC chip of the IC card through the antenna, and interfacing the predetermined information or data from the IC chip to the terminal device through the half-duplex transaction using the APDU It is characterized by.

The key input unit 3215 is a terminal operator from a predetermined key input means including a plurality of number keys, a character key for inputting characters, and a function key. It is characterized in that the user inputs the corresponding key data (Key Data) generated by clicking a predetermined key to the control unit 3205, the control unit 3205 reads the key data input through the key input unit 3215 And a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the terminal device.

According to the exemplary embodiment of the present invention, the key input unit 3215 provides the payment mode by dividing the payment mode into the self-funded payment mode and the purchase payment loan payment mode when the payment is processed according to the purchase of the article (eg, medicine). It is preferable to perform a function of a key input means for receiving predetermined payment amount information for generating a payment request message corresponding to each mode according to a purchaser's selection.

For example, the key input unit 3215 receives key data corresponding to each payment mode of the terminal device in the payment processing process and transmits the key data to the control unit 3205, and transmits the key data to each payment mode through the control unit 3205. The corresponding payment process is performed.

The screen output unit 3210 may control the control unit while the terminal device performs a predetermined function (for example, a payment processing function for a drug sold by the pharmaceutical company using a card using the pharmacy account as a payment account). (3205) at least one information or data that is predefined or is defined in real time to be output to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT) to a predefined screen interface And the information or data predefined to be output on the screen by the terminal device may be input by the key data input through the key input unit 3215 or by a component included in the terminal device. Information (or data) stored or generated, information (or data) transmitted or received via the communication unit 3225, or image The information (or data) corresponding to a predetermined operation result performed by the terminal device comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 3210 provides the payment mode by dividing the payment mode into the self-funded payment mode and the purchase payment loan payment mode when the payment is processed according to the purchase of the goods (eg, medicines, etc.). And, it is preferable to perform the function of the screen output means for outputting a payment screen for generating a payment request for the approval process corresponding to each mode according to the selection of the goods buyer.

For example, when the payment mode is the self fund payment mode, the screen output unit 3210 outputs a payment processing screen corresponding to the self fund payment mode, and when the payment mode is the purchase money loan payment mode, the purchase A payment processing screen corresponding to the fund loan settlement mode is output.

The communication unit 3225 provides the payment mode by dividing the payment mode into a self fund payment mode and a purchase fund loan payment mode when the terminal device processes a payment according to a purchase of a predetermined function (for example, the drug (eg, a medicine)). The terminal connected to the terminal (or server) on the network or the terminal device via a predetermined cable in the process of performing the function of generating a payment request for the approval request corresponding to each mode according to the selection of the goods buyer ( Or a device) or a predetermined communication means for connecting a communication session with a terminal (or device) connected to the terminal device through a predetermined short-range wireless communication. Communication with a predetermined terminal (or device) through a network communication unit 3225 or a predetermined cable communication port for connecting a communication channel A cable communication unit 3225 for connecting a new session, or a short range wireless communication unit 3225 for connecting a predetermined communication session with a predetermined short distance communication terminal (or device) through at least one or more short range wireless communication means. And includes a communication protocol or a driver for connecting the communication channel (or communication session) by software.

The network communication unit 3225 may be a predetermined wired or mobile communication network including a Value Added Network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or connecting a communication channel with an information processing server on a wired / wireless network through a predetermined wireless network including a wireless data communication network, and a modem for connecting the terminal device to a predetermined wired / wireless network in hardware. Or a network interface card (NIC), and includes a communication protocol or a driver for connecting the terminal device to the wired / wireless network by software.

The cable communication unit 3225 is configured to connect a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (for example, RS-232c and USB (Universal Serial Bus)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol or driver for the cable communication in software.

When the cable communication terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader according to an embodiment of the present invention, the cable communication unit 3225 is at least from the cable communication terminal (or device). It is preferable to receive one or more purchased goods (or items) information and a payment amount corresponding to the purchased goods (or items).

The short range wireless communication unit 3225 may include at least one short range wireless communication unit including infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware It comprises a wireless communication module, and comprises a communication protocol or driver for the short-range wireless communication in software.

According to an embodiment of the present invention, when the near terminal (or device) includes a predetermined barcode reader or a radio frequency identification (RFID) reader, the near-field wireless communication unit 3225 may include at least a distance from the near terminal (or device). It is preferable to receive one or more purchased goods (or items) information and a payment amount corresponding to the purchased goods (or items).

The secure application module (3230) is a confidentiality (Authentication) or integrity (Integrity) or required in the process of the terminal device to perform the electronic payment or electronic payment using the card or A security device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the terminal device without using an authentication server (or an information processing server) on a network, wherein the terminal device is a predetermined device. Encrypts or decrypts a message (information or data) that is processed in the course of performing a security request function (e.g., electronic payment or electronic payment function), and adds an authenticator to prevent forgery (or tampering) of the message; Or to store important key information in the process of performing the security request function. It characterized.

In general, the security application module 3230 is preferably composed of a predetermined security application module 3230 inserter and the security application module 3230 chip, the security application module 3230 chip is a chip containing at least 8-bit CPU Application Specific Integrated Circuit (ASIC) chips (eg, PLCC 44-pin chips) and / or IC chips (eg, IC cards in the form of subscriber identity modules (SIMs)) with performance of 2 MIPS (Million Instructions Per Second) or more. It is preferable to comprise a.

In addition, the security application module 3230 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) or keys required for the terminal device to perform a predetermined security request function. (E.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, authorization acquisition protocol , Mode switching protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / delete / discard / initialization / reprocessing / cancellation command). It is preferable to make it.

The print output unit 3235 divides the payment mode into a self-funded payment mode and a purchase fund loan payment mode when the terminal device processes a payment according to a purchase of a predetermined function (for example, the medicine (eg, medicine)). Providing a predetermined information or data (e.g., a product self-payment settlement result) that is generated as a result of the process of performing a function of generating a payment request for the approval request corresponding to each mode according to the purchaser's selection Information (or data) or product purchase loan payment processing result information (or data) is output to a predetermined printing device 3240 (for example, a receipt printer), and the printing is performed in accordance with a predefined printing form. It includes a printing protocol and a driver for printing information or data through the printing device 3240.

Referring to FIG. 32, in the payment processing according to the purchase of the goods (eg, medicines), the payment mode is divided into a self-funded payment mode and a purchase fund loan payment mode, and each mode is selected according to the purchaser's selection. The terminal device for generating a payment request authorization corresponding to the payment process is issued to the buyer (eg, pharmacy, etc.) through the card issuing system shown in FIG. 11 in association with the card interface 3200. A card reader unit 3250 for reading card information from a card or a card registered through a card information registration system shown in FIGS. 13 or 18, and whether the payment processing mode is a self-funded payment mode or a purchase fund loan payment mode; A mode checking unit 3275 for checking, an information input unit 3255 for receiving information on purchase price of goods purchased by the goods buyer, and the payment mode A professional generation unit 3260 for generating a self-payment payment approval request full text or purchase money loan payment approval request full text including the card information and the purchase price information, and the generated self-financing payment approval request full text or It is characterized in that it comprises a specialized transmission unit (3265) for transmitting the full payment of the loan payment approval request request to the server through the payment network in connection with the communication unit (3225) (network communication unit), and linked with the communication unit (3225) And a professional processing unit 3270 that receives and outputs a payment approval response message corresponding to the full payment fund approval request or purchase fund loan approval request message from the information processing server through the payment network. It is done.

When the card having an account (or loan account) associated with the item seller (eg, a pharmaceutical company account) as a payment account is a predetermined MS card, the card reader 3250 may use the card interface 3200 (eg, When the card is recognized through the MS interface, the card issued to the purchaser of the article (for example, a pharmacy, etc.) through the card issuing system shown in FIG. 11 or the card information registration system shown in FIG. It is characterized in that reading the predetermined card information (for example, card number, etc.) from the MS provided in the registered card.

When the card having an account (or loan account) associated with the item seller (eg, pharmaceutical company) account as a payment account is a predetermined IC card, the card reader 3250 may use the card interface 3200 (eg, When the card is recognized through a contact IC interface, a PIN (Personal Identification Number) based IC card validity authentication procedure (eg, the key input unit 3215) is input in association with the key input unit 3215. Transmitting to the IC card through the card interface 3200 to verify confidentiality, authentication, integrity, and nonrepudiation of the IC card; When the validity of the IC card is authenticated, a card issued to the buyer of the item (for example, a pharmacy, etc.) through the card issuing system shown in FIG. 11 or the card shown in FIG. 13 or 18 It is characterized in that the predetermined card information is read from the IC chip provided in the registered card through the information registration system.

According to another exemplary embodiment of the present invention, the card information may be keyed through the key input unit 3215, and the present invention is not limited thereto.

The information input unit 3255 may receive key input data corresponding to the payment mode (eg, self-payment payment mode, purchase payment loan payment mode, etc.) in connection with the key input unit 3215, and provide the information. The key input data corresponding to each payment mode received is transmitted to the full text generation unit 3260.

In addition, the information input unit 3255 may be connected to the key input unit 3215 to receive information about the price of the purchased medicines and the purchased medicines (or items) to be processed through the card.

In addition, the information input unit 3255 is connected to the key input unit 3215, characterized in that for receiving information on the amount of the loan payment processing through the card.

For example, when the payment mode of the terminal device is the self-fund payment mode, the information input unit 3255 recognizes the input amount information as the self-funded payment processing amount, and when the payment mode is the purchase fund loan payment mode, The input amount information is recognized as the purchase amount loan payment amount.

According to the exemplary embodiment of the present invention, a payment amount (or loan amount) is input in connection with the key input unit 3215, or at least one or more purchased medicines through the cable communication unit 3225 or the short range wireless communication unit 3225. Or a payment amount (or loan amount) for the item) may be input.

When predetermined card information is read through the card reader unit 3250 and purchased drug price information (or loan amount information) and purchased medicine (or item) information to be paid through the information input unit 3255 is inputted, The full text generation unit 3260 may include the card information, the drug price information (or loan amount information) and the purchased medicine (or item) information, and at least one full text information (for example, a terminal device) stored in the memory unit 3245. Generate a payment approval request text including unique information and unique information of a seller (eg, a pharmaceutical company).

Here, when the payment mode of the terminal device is the self-payment payment mode, the full text generation unit 3260 generates the full self-payment payment approval request message, and the payment mode of the terminal device is the purchase price loan payment mode. , Characterized in that for generating the full payment of the loan payment approval request.

According to an embodiment of the present invention, the full text generation unit 3260 includes a transaction separator corresponding to each payment mode in the generated payment approval request message, and the payment approval is performed through the transaction separator. The server on the network that receives the request text can determine whether the corresponding payment approval request text is a self-payment payment approval request text or a purchase money loan approval request text.

According to the payment mode of the terminal device as described above, when the self-payment payment approval request text or purchase fund loan payment approval request text is generated, the specialized transmission unit 3265 is connected to the communication unit 3225 (network communication unit) The generated self-financing payment approval request full text or purchase money loan payment approval request full text is transmitted to a server corresponding to the card information through a payment network connected to the communication unit 3225 (network communication unit).

Thereafter, the specialized processing unit 3270 is connected with the communication unit 3225 (network communication unit) to make a payment corresponding to the full text of the self-financing payment approval request or the purchase payment loan payment approval request from the information processing server through the payment network. Check whether the full text of the approval response is received; and if the full text of the payment approval response message corresponding to the full payment fund approval request or purchase payment loan approval request text is received from the information processing server through the payment network, the payment approval The payment processing details included in the response message may be output through the screen output unit 3210 or printed through the print output unit 3235.

According to the implementation method of the present invention, when the payment processing according to the purchase of the article (eg, medicine, etc.), the payment mode is provided divided into the self-funded payment mode and the purchase payment loan payment mode, and according to the buyer's selection The terminal device for generating a payment request message corresponding to each mode and processing payment may further include a tax invoice processing unit 3280 for outputting a tax invoice for the purchase of the goods.

Here, the tax invoice processing unit 3280 corresponds to the full fund payment approval request message or purchase fund loan payment request request message from the information processing server through the payment network in connection with the communication unit 3225 (network communication unit). When the payment approval response message is received, the tax invoice information stored in the memory of the terminal device when the self-payment payment approval request or the purchase payment loan approval approval request is successfully performed as a result of reading the received payment approval response message; For example, with reference to the supplier information including the business registration number, representative, address, business type, business type, etc.), it is characterized in that to output the tax invoice according to the purchase of the goods.

In this case, the information on the recipient (eg, buyer of goods, pharmacy, etc.) to be included in the tax invoice may be keyed through the key input unit 3215.

33 is a flowchart illustrating an operation process of a terminal device according to another exemplary embodiment of the present invention.

In more detail, FIG. 33 is provided when the payment mode is divided into a self-funded payment mode and a purchase loan loan payment mode when the payment process according to the purchase of goods (eg, medicines) through the terminal device shown in FIG. If the payment mode according to the purchaser's selection of the purchaser's loan payment mode, the process for generating a payment request for approval corresponding to the payment process, and if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing of FIG. 33, a payment authorization message corresponding to each mode can be generated and processed according to the purchaser's choice by using a card using the goods purchaser (for example, a pharmacy) account as a payment account. It will be possible to infer various implementation methods for the process, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 33, the terminal device shown in FIG. 32 registers a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or the card information shown in FIG. 13 or FIG. A card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 through a predetermined card reader for processing of purchase of a medicine through a card registered through the system, or the drawing 13 or drawing The card information is read from the registered card through the card information registration system shown in 18 (3300).

According to an embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. In the case of a predetermined MS card, when the card is recognized through a predetermined card reader, the terminal device issues a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. It is preferable to read predetermined card information from the MS provided in the registered card through the card information registration system shown in FIG.

According to another embodiment of the present invention, a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in FIG. 11 or a card registered through the card information registration system shown in FIG. Is a predetermined IC card, when the card is recognized by the card reader, the terminal (Personal Identification Number) based IC card validity authentication procedure in association with a predetermined key input means provided in the terminal device ( For example, a predetermined PIN may be input through the key input unit 3215 and transmitted to the IC card through the card interface 3200 to provide confidentiality, authentication, integrity, and the like with respect to the IC card. A procedure for confirming nonrepudiation) and the validity of the IC card is authenticated, the card issuing system shown in FIG. (Or pharmacy operator) or a card issued to the card through the information registering system shown in the figure 13 or figure 18 from the IC chip provided on the registration card is preferred to reading the predetermined card information.

According to another exemplary embodiment of the present invention, the card information may be keyed through a predetermined key input means provided in the terminal device, and the present invention is not limited thereto.

Thereafter, the terminal device checks whether the terminal device payment mode is a self-funded payment mode or a purchase fund loan payment mode in association with the key input unit 3215 (3305).

According to the exemplary embodiment of the present invention, the terminal device may check whether the payment mode of the terminal device is entered into the self fund payment mode or the purchase fund loan payment mode through a predetermined key input means.

If the terminal device payment mode is confirmed as the purchase payment loan payment mode (3310), the terminal device is a card issued to the pharmacy (or pharmacy operator) through the card issuing system shown in Figure 11 or the drawing 13 or 18, it is checked whether the item price information and the purchased item (or item) information for loan payment processing are input through the card registered through the card information registration system shown in FIG.

According to the exemplary embodiment of the present invention, the terminal device may check whether predetermined loan payment amount and purchase item (or item) information are input through a predetermined key input means.

Alternatively, the terminal device may check whether at least one or more purchased medicine (or item) information and a corresponding payment amount are input through a predetermined barcode reader (or RFID reader).

If the purchased medicine (or item) information and the loan payment amount thereof are confirmed (3320), the terminal device is at least one stored in the card information, the loan payment amount and the purchased goods (or item) information and the terminal device memory. A full loan settlement approval request message including the above-mentioned full-text inclusion information is generated (3325).

If the loan payment approval request message is generated (3330), the terminal device transmits the generated loan payment approval request message to the server corresponding to the card through a predetermined payment network (3335).

According to an embodiment of the present invention, the terminal device may transmit the full payment approval request message to an information processing server corresponding to the card information through a payment network including a value added network (VAN).

Thereafter, the terminal device periodically checks whether the payment approval response message including the loan payment processing details corresponding to the loan payment approval request message is received from the information processing server through the payment network (3340).

If the payment approval response message is received through the payment network (3345), the terminal outputs a screen of payment processing details (for example, payment approval details or payment error details) included in the received payment approval response message. Output through the means, or through the predetermined printing device 3240 (3350).

The terminal device checks whether the tax invoice is issued / outputted for the payment processing (3355), and when the input of the tax invoice issue / output request for the payment processing (item purchase) is confirmed (3360). Supplier information stored in the memory unit (eg, supplier information including business registration number, representative, address, business type, business type, etc.) and supplier information inputted through the key input unit (eg, business registration number, representative, address, (3365) a tax invoice is issued / printed with reference to the recipient information including the type of business, the type of business, and the like.

Figure 34 is linked to a terminal device having a self-fundament payment mode or a purchase payment loan payment mode in the server according to another embodiment of the present invention, the predetermined total amount of loan support funds during payment processing for a predetermined purchase of goods A diagram illustrating a process of generating request information.

More specifically, this drawing 34 shows that the pharmacy account information and the pharmacy account information provided from a given pharmacy (or pharmacy operator) are stored in the ledger D / B through the account information registration system shown in FIG. 1 or 6. Alternatively, the payment is made at the terminal device shown in FIG. 32 when the payment process for the medicines sold by the pharmaceutical company is performed by using a card which is linked to a predetermined storage medium and uses the pharmacy account as a payment account. When the full text of the approval request is generated and transmitted to the server shown in FIG. 28, when the payment processing is performed with the purchase loan, the total amount limit loan corresponding to the loan processing details is generated. If the person skilled in the art to which the present invention pertains, the head office of the pharmacy In the process of payment of a drug purchase payment using a card having a pharmacy account linked to an account as a payment account, a process for generating a loan amount request information for the total amount corresponding to the loan processing in the process of executing the payment for the purchase loan Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

In the drawing 34, the information processing server 2800 shown in the drawing 28 will be referred to as " server " for convenience.

Referring to FIG. 34, when the server confirms the payment approval request text received from the terminal device in the process of FIG. 33, when the payment approval request text is the purchase payment loan payment approval request text (3400), the server determines the text. In operation 3405, the loan condition information stored in association with the pharmacy information is linked with the storage medium.

When the loan condition information stored in association with the pharmacy information is confirmed in the storage medium (3410), the server determines a loan process for a part (or all) of the payment amount with reference to the confirmed loan condition information. (3415).

The loan condition information may include loan limit information of the pharmacy, and the server may further include checking whether the payment amount (or the accumulated amount of the payment amount) does not exceed the loan limit. The loan process can be determined.

In addition, the server deposits the loan amount (payment amount) to the pharmacy account (3420), checks the pharmaceutical company account information associated with the pharmacy account (3425), and withdraws the payment amount from the pharmacy account. Thereafter (3430), the withdrawal payment processing is deposited into the confirmed pharmaceutical company account (3435).

When the deposit processing to the pharmaceutical company account is completed (3440), the server generates a payment approval response message including the payment processing history and transmits to the terminal (3445), and the server is the loan processing history and the With reference to the goods buyer and seller information stored in the storage medium (or ledger D / B), the goods buyer (eg, pharmacy, etc.) information, goods seller (eg, pharmaceutical company, etc.) information, goods price information, transaction date and time In operation 3455, the total amount limit loan support request information including at least one tax invoice statement and the like is generated (3450), and the generated amount limit loan support request information is stored in the storage medium (3455).

Thereafter, the server periodically transmits the generated total limit loan support fund request information to the total limit loan fund providing institution.

By providing a total limit loan data processing method and system according to the present invention, financial institutions can automatically collect the relevant data in order to apply for such a total limit loan, eliminating the inconvenience that must be collected and created daily and increase work efficiency The advantage is that it can bring.

In addition, there is an advantage in that it is possible to attract customers and generate new profits by expanding the base of goods purchase loan products.

Claims (4)

When the payment processing between the goods buyer and the goods seller, confirming whether the payment processing in the payment confirmation means payment processing using the loan; When the payment processing between the goods buyer and the goods seller is a payment processing using a loan, the information buyer means the goods buyer information (or goods buyer card information), goods seller information and payment information from the payment processing corresponding to the payment processing. Extracting payment history information including a; In the information verification means, in association with the storage medium (or ledger D / B), identify the goods buyer and seller unique information corresponding to the goods buyer and goods seller-name, business registration number, address, representative name, item, business status, etc. (Or extracting); And Generating a total amount limit loan support request information including the identified purchaser and seller unique information and the payment history information in the information processing means; and the total limit loan data processing method comprising: . The method of claim 1, The total limit loan data processing method further comprises the step of periodically transmitting the generated total limit loan support request information from the information transmission means to the total limit loan support provider. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Payment confirmation means for confirming whether the payment processing is a payment processing using a loan when a payment processing is performed between an item buyer and an item seller; When the payment processing between the goods buyer and the goods seller is a payment processing using a loan, the payment including the goods buyer information (or goods buyer card information), goods seller information and payment price information from the payment processing message corresponding to the payment processing. Information extracting means for extracting detail information; In connection with the storage medium (or ledger D / B), identify (or extract) goods buyer and seller unique information-name, business registration number, address, representative name, item, business status, etc. corresponding to the goods buyer and goods seller. Information confirming means; And And total information limit loan data processing system comprising: information processing means for generating the total amount limit loan support request information including the identified (or extracted) item buyer and seller unique information and the payment history information.

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