KR100976521B1 - System and Method for Processing Gift Request of Communication Expense and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for processing a communication charge present request and a recording medium therefor, wherein the method for processing a communication charge present request according to the present invention includes a first customer mobile phone number and a first customer cell number from a first terminal used by a first customer. Receiving a second customer mobile number to request to present (or pay) the communication charge of the customer's mobile phone; transmitting the communication charge present (or payment) request information to the second customer mobile phone; (Or payment) upon receiving a communication charge present (or payment) corresponding to the requested information, receiving second customer information from the second customer mobile phone, and opening a communication fee payment account corresponding to the second customer information. Registering the first customer mobile phone number in a ledger; and the first customer mobile phone from a telecommunication company server that charges a communication fee to the first customer mobile phone. Receiving a number and communication charge information of the first customer mobile phone, and comparing the received first customer mobile phone number with the communication charge first customer mobile phone number registered in the ledger to confirm the validity of the communication charge present (or payment). And withdrawing the communication fee of the first customer's mobile phone from the second communication fee payment account and paying the communication fee of the first customer when the communication fee present (or payment) is validated.

Request for future communication charges

Description

System and Method for Processing Gift Request of Communication Expense and Program Recording Medium}

1 is a diagram illustrating a non-face-to-face communication fee present request information registration system for processing a communication fee present request according to another exemplary embodiment of the present invention.

FIG. 2 is a diagram illustrating a communication fee present request information structure stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for processing a communication fee present request according to an exemplary embodiment of the present invention.

FIG. 3 is a diagram illustrating a communication rate present request information structure stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for processing a communication rate present request according to another exemplary embodiment of the present invention. to be.

FIG. 4 is a diagram illustrating a configuration of communication charge present request information stored in a DBMS provided in a banking server in a non-face-to-face manner to process a communication charge present request according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of registering communication charge present request information in a non-face-to-face manner for processing a communication charge present request according to an embodiment of the present invention.

6A, 6B, and 6C are diagrams illustrating a process of registering communication charge present request information through a non-face-to-face financial transaction channel for processing a communication charge present request according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a settlement processing system for processing a communication charge settlement by a gift (or payment) for communication charges between customers according to an embodiment of the present invention.

8 is a diagram illustrating an operation process of a settlement processing system for processing a communication charge settlement by a gift (or payment) for a communication charge between customers according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: approval processing unit

130: financial account opening processing unit 135: electronic document generation unit

140: electronic document transmission unit 145: information storage unit

150: electronic document server 155: electronic document receiving unit

160: information generating unit 165: electronic document storage unit

170: electronic document D / B 175: storage medium

180: information registration terminal

The present invention includes receiving a first customer mobile phone number from a first terminal used by a first customer, and a second customer mobile phone number to request to present (or pay) the communication fee of the first customer mobile phone, and the second customer. Transmitting second customer information from the second customer's mobile phone when the communication fee present (or payment) request information is transmitted to a mobile phone, and the communication fee present (or payment) request corresponding to the communication fee present (or payment) request information is approved. And registering the first customer mobile phone number in a ledger in which a communication fee payment account corresponding to the second customer information is opened, and from the carrier server charging the communication fee to the first customer mobile phone. Receiving a first customer mobile phone number and communication fee information of the first customer mobile phone, the received first customer mobile phone number and the communication fee registered in the ledger 1 comparing the mobile phone number to confirm the validity of the communication charge present (or payment) and the validity of the communication charge present (or payment), withdraw the communication charge of the first customer mobile phone from the second communication charge payment account; The present invention relates to a communication rate gift request processing method comprising paying the communication rate of the first customer.

Due to the development of modern society, communication means, which has become a necessity around us, is becoming an effective communication means that can exchange opinions while being long distance between people.

This effective means of communication is provided to the customer when the parent and child do not provide 080 service in the part where the customer makes a phone call due to the payment of the communication fee from the calling party or when the customer makes a phone call between the company and the company. Due to the communication charge, there is a difficult problem that the phone call is reluctant.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is to obtain a first customer mobile phone number from a first terminal used by a first customer and a second customer mobile phone number to request to present (or pay) the communication fee of the first customer mobile phone. Means for receiving, means for transmitting the communication charge present (or payment) request information to the second customer mobile phone, and upon approval of the communication charge present (or payment) corresponding to the communication charge present (or payment) request information; Means for receiving second customer information from a second customer mobile phone, means for registering the first customer mobile phone number in a ledger in which a communication fee payment account corresponding to the second customer information is opened, and the first customer mobile phone. Means for receiving the first customer mobile phone number and communication charge information of the first customer mobile phone from a telecommunication company server that charges a communication charge and the second communication charge payment account; From there the communication charge gift request processing system comprising: means for dispensing a payment to the first communication rate for one client mobile phone to the communication rate for said first client to provide.

The method for processing a communication charge present request according to the present invention includes a first customer mobile phone number from a first terminal used by a first customer and a second customer mobile phone number to request to present (or pay) the communication charge of the first customer mobile phone. Receiving, transmitting the communication charge present (or payment) request information to the second customer mobile phone, and approving the communication charge present (or payment) corresponding to the communication charge present (or payment) request information. Receiving second customer information from a second customer mobile phone, registering the first customer mobile phone number in a ledger in which a communication fee payment account corresponding to the second customer information is opened, and using the first customer mobile phone. Receiving the first customer mobile phone number and communication charge information of the first customer mobile phone from a telecommunication company server that charges a communication fee; Confirming the validity of the communication fee present (or payment) by comparing the number with the communication fee first customer mobile phone number registered in the ledger and from the second communication fee payment account when confirming the validity of the communication fee present (or payment). And withdrawing the communication fee of the first customer's mobile phone and paying the communication fee of the first customer.

According to the present invention, the method for processing a communication fee present request includes checking whether the communication fee payment account of the second customer is opened in the ledger through the second customer information, and the communication fee payment account of the second customer. If it is not confirmed whether to open, open a new online account under the name of the second customer, the online new account is processed as a communication fee payment account of the second customer, the ledger in which the online new account is opened And registering the first customer mobile phone number.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described communication fee gift request processing method.

On the other hand, the communication fee gift request processing system according to the present invention, the second customer mobile phone request to present (or pay) for the first customer mobile phone number and the communication fee of the first customer mobile phone from the first terminal used by the first customer Means for receiving a number, means for transmitting a communication charge present (or payment) request information to the second customer mobile phone, and upon approval of the communication charge present (or payment) corresponding to the communication charge present (or payment) request information. Means for receiving second customer information from the second customer mobile phone, means for registering the first customer mobile phone number in a ledger in which a communication fee payment account corresponding to the second customer information is opened, and the first customer. Means for receiving the first customer mobile phone number and communication charge information of the first customer mobile phone from a telecommunication company server that charges a communication charge with a mobile phone and the second communication fee From the account, including the means for dispensing the payment to the first communication rate for one client mobile phone to the communication rate for said first customer to be made of a Feature.

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 a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a non-face-to-face communication fee present request information registration system for processing a communication fee present request according to another embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through a predetermined information registration interface to the communication fee gift request information registration system for the processing of the communication fee gift request customer information, customer communication terminal information, communication fee gift request customer information, When providing a communication charge gift request information including at least one gift request amount information, the communication charge gift request information registration system generates a predetermined communication charge gift request electronic document including the provided communication charge gift request information, A storage medium 175 by storing the electronic document storage in association with the customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information included in the communication fee gift request information. The system configuration for storing in the, specifically, the electronic document storage is predetermined The present invention relates to an implementation method provided on an external system associated with the communication fee gift request information registration system through a communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 1 to infer various implementation methods for the construction of a communication charge gift request information registration system for processing a communication charge gift request. However, the present invention includes all the implementation methods inferred from the above, and is 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 and / or modify this drawing 1 to implement an implementation method provided in a DBMS in which the electronic document repository is located in the communication fee present request information registration system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 1, the communication fee present request electronic document is illustrated and generated on the server side on the communication fee present request information registration system, but the present invention is limited thereto. Never, the communication fee present request electronic document may be generated at a terminal that inputs (or selects) the communication fee present request information and transmits the information (e.g., an electronic document generation function provided at the server side is provided to the terminal side). And generate the communication fee present request electronic document), thereby limiting the present invention.

Hereinafter, the communication fee present request information is received from the customer through a predetermined information registration interface on the communication rate present request information registration system shown in FIG. 1, and a predetermined communication rate present request electronic document is generated to generate a predetermined electronic document. Components corresponding to at least one or more means and / or functional configurations for storing in the storage and storing the communication fee present request information in a predetermined storage medium 175 are referred to as " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a communication charge present request information registration system for processing a communication charge present request request includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 180 including at least one of the above. The information registration terminal 180 is an information registration server provided on the communication fee gift request information registration system through a predetermined network means. The communication channel 100 is connected.

According to an embodiment of the present invention, the customer accesses the information registration server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the communication fee present request information for the communication fee present request processing is input (or selected) through at least one user interface provided by the information registration server 100, the client terminal communicates through the predetermined network means. It is preferable to transmit to the information registration server 100 provided on the fee present request information registration system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x-based wireless LAN, the personal communication terminal being connected to the CDMA-based (and / or HSDPA-based) mobile communication network; PCS and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) ) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

Also, the information registration server 100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 100 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 100, and inputs and / or selects at least one or more information through the user interface to the information registration server 100. 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 information registration server 100, 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the communication fee gift request information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the information registration server 100. The wired communication network and / or the wireless communication network perform a function of an information registration interface for the customer to register communication charge present request information for processing the communication charge present request.

According to another exemplary embodiment of the present invention, the information registration terminal 180, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), cash automatic It may further comprise an automated teller machine (not shown) including a Cash Dispenser (CD), and / or a fixed line such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the telephone network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto.

In the communication fee futures request information registration system as described above, when the information registration terminal 180 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) are provided. The financial network connecting the information registration server 100 performs a function of an information registration interface for the customer to register communication fee present request information for the communication fee present request processing, and / or the information registration terminal ( When 180 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 may be used by the customer. Performs a function of an information registration interface for registering communication fee gift request information for the communication fee gift request processing, and / or the information registration terminal 180 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with an institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the The network connecting the information registration server 100 performs a function of an information registration interface for the customer to register communication fee gift request information for the communication fee gift request processing.

The storage medium 175 provided on the communication fee gift request information registration system according to the present invention includes the customer information, customer communication terminal information, included in the communication fee gift request information provided from the information registration terminal 180, The communication fee gift request target customer information, the gift request amount information is characterized in that it is stored in a predetermined storage medium 175.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system associated with the communication fee gift request information registration system in response to the customer. It is preferable to comprise as mentioned above.

Preferably, the customer communication terminal information includes at least one or more of a telephone number, a device unique number, a device manufacturer name, a device manufacturing date, a device model name, and the like, which are assigned to a call terminal possessed by the customer. When the USIM chip is provided, it is preferable to further include at least one or more information provided in the USIM chip.

The customer information subject to the communication fee gift request is for the customer to pay the communication fee generated when the customer uses the communication service through the communication company and the customer who is requesting the communication fee gift is called. It is preferable to include a mobile phone number, and the like, and according to the intention and purpose of those skilled in the art, the personal information (eg, social security number, address, telephone number, e-mail address, etc.) of the target customer for the gift request, and the target customer for the gift request. Member information (e.g., a customer ledger provided on the financial system associated with the communication fee gift request information registration system corresponding to the gift request target customer by subscribing the gift request target customer as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc. It comprises a preferred.

Preferably, the gift request amount information includes price information about a communication fee to be provided to the customer request target communication terminal.

According to an embodiment of the present invention, the storage medium 175 is provided in a DBMS on a financial system provided on the communication fee present request information registration system (or associated with the communication fee present request information registration system). Preferably, the storage medium 175 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 175 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or wireless banking provided on the communication fee present request information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the communication fee gift request information registration system according to the present invention is the communication fee gift request information registration system side component connected to the information registration terminal 180 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, when the information registration terminal 180 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 180 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 180 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 100 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 180 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 A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is an interface unit 105 (or interface unit 105) for connecting and managing a predetermined communication channel with the information registration terminal 180 through the network means. It is characterized by comprising a).

According to an embodiment of the present invention, when the information registration terminal 180 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 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 embodiment of the present invention, when the information registration terminal 180 is a financial automation device connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for 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 embodiment of the present invention, if the information registration terminal 180 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to 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 and connecting a predetermined communication channel with the client terminal. .

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

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. 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 exemplary embodiment of the present invention, when the information registration terminal 180 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 180 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 communicates with the information registration server 180. Generate (or extract) at least one user interface for inputting (or selecting) predetermined communication fee gift request information from the information registration terminal 180 to transmit the fee gift request processing to the information registration server 100. And an interface providing unit 110 (or interface providing means) for providing the generated (or extracted) user interface to the information registration terminal 180 in association with the interface unit 105, and the information registration terminal ( In step 180, the communication fee present request information is input (or selected) through the user interface and transmitted to the information registration terminal 180 in association with the interface unit 105. Characterized in that formed by the emitter having an information receiving unit 115 for receiving the communication charge information transmitted gift request (or the information receiving means).

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for processing a communication charge present request, the information registration terminal 180 inputs (or selects) predetermined communication charge present request information and transmits it to the information registration server 100 through the network means. Generating at least one user interface, and / or extracting from a predetermined database (not shown), and registering the generated (or extracted) user interface in association with the interface unit 105 via the network means. Characterized in that provided to the terminal 180.

According to an embodiment of the present invention, when the information registration terminal 180 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 includes a browser program provided in the client terminal and And / or 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 105.

According to another exemplary embodiment of the present invention, when the information registration terminal 180 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 is a financial transaction related program provided in the financial automation device. 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 automated teller machine through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal 180 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal 180 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 105 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 180 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105. .

At least one user for inputting (or selecting) predetermined communication fee gift request information to the information registration terminal 180 according to another embodiment of the present invention and transmitting the information to the information registration server 100 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined communication fee present request information is generated (or extracted) to be transmitted to the information registration server 100 as described above. The interface providing unit 110 provided to the information registration terminal 180 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 180 inputs communication fee gift request information including at least one of the customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information through the user interface ( Or transmits the input (or selected) communication fee present request information to the information registration server 100 through the network means, and correspondingly, the information receiving unit 115 transmits the interface unit 105. It is characterized in that for receiving the communication fee gift request information transmitted from the information registration terminal 180 in conjunction with.

According to an exemplary embodiment of the present invention, the information registration terminal 180 may include at least one of the customer information, the customer communication terminal information, the communication fee present request target customer information, and the gift request amount information. At least an OTP code generated by a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for checking the validity of the communication fee present request information in the information registration server 100 It is preferable to further include one or more to transmit to the information registration server 100 through the network means.

According to an embodiment of the present invention, the information registration terminal 180 includes at least one communication charge present request information including at least one of the customer information, customer communication terminal information, communication charge present request target customer information, and gift request amount information. Encrypt using one or more encryption methods (eg, symmetric key based encryption methods, and / or public key based encryption methods, and / or electronic envelope based encryption methods, and / or key exchange based encryption methods), and / or the Preferably, a predetermined electronic signature is attached to the communication fee present request information and transmitted to the information registration server 100 through the network means. For this purpose, the information registration terminal 180 includes at least one corresponding to the encryption scheme. Have a predetermined public key including at least one encryption key and / or have at least one encryption key , And / or it is preferred that the certificate is provided with the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the communication charge present request information, and technical features of attaching a predetermined electronic signature to the communication charge present request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 1, when the communication fee present request information transmitted from the information registration terminal 180 is received through the information receiving unit 115, the information registration server 100 receives the received communication fee present request information. Is characterized in that it comprises a validating unit 120 (or validity confirming means) for confirming that the validity for the communication fee gift request processing.

According to an embodiment of the present invention, the communication fee present request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the validity confirming unit 120 may convert the encrypted communication fee present request information into at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method. And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., to validate the received communication fee present request information.

Alternatively, when a predetermined electronic signature is attached to the communication charge present request information, the validity confirming unit 120 checks the electronic signature attached to the communication charge present request information, thereby receiving the received communication charge present request information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted communication charge present request information, and a technology for confirming an electronic signature attached to the communication charge present request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the communication fee present request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the communication fee present request information, the validity confirming unit 120 is to verify the validity of the received communication fee present request information by comparing and authenticating the password included in the communication fee present request information and the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the communication fee present request information received through the information receiving unit 115 further includes predetermined security card information for confirming the validity of the communication fee present request information, the validity confirming unit 120 Compares and authenticates the security card information included in the communication fee gift request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received communication fee gift request information. desirable.

Alternatively, when the communication rate present request information received through the information receiving unit 115 further includes a predetermined OTP code for confirming the validity of the communication rate present request information, the validity confirming unit 120 may include: Comparing and authenticating the received OTP code included in the communication fee present request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received communication fee present request information. It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity check of the communication fee present request information is matched with the communication fee present request information to the ledger D / B 200 on the financial system associated with the communication fee present request information registration system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 120 may include the customer information (customer personal information, member information, etc.) of the information included in the communication fee present request information on a financial system associated with the communication fee present request information registration system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (200).

In addition, the validity check of the communication fee gift request information is the information contained in the communication fee gift request information, the customer request target information is the ledger D / B on the financial system linked to the communication fee gift request information registration system It is preferable to include whether the match with the customer ledger stored in the 200, if there is no matching customer ledger, in connection with the financial account opening processing unit 130 (or financial account opening processing means) subject to the gift request It is a good idea to open an online hidden account in your name.

The financial account opening processing unit 130 confirms the validity of the present request target customer through the validity confirming unit 120 (that is, as a result of confirming whether the future customer is a financial transaction customer of the financial institution), If there is no financial account under the name of the customer to be requested, it is preferable to open and process the financial account under the name of the customer to be requested in connection with the financial system.

Referring to FIG. 1, the information registration server 100 receives an approval processing unit 125 for processing an approval for the received communication fee gift request information from the gift request target customer through the validity confirming unit 120 ( Or approval processing means).

According to an embodiment of the present invention, the approval processing for the communication fee gift request processing the reception history of receiving the communication fee gift request information to be transmitted to the terminal of the gift request target customer, the customer of the gift request target It is preferable to receive the approval from the terminal.

In addition, when receiving the approval from the gift request target customer terminal, it is preferable that the approval processing unit registers the customer communication terminal information on the communication charge settlement account ledger of the gift request target customer.

Here, the method of receiving the approval, including the callback UAL using the transmission, and then set according to whether or not connected through the callback UAL (or access menu selection), or obtain the approval using the ARS It is desirable to.

Referring to FIG. 1, when the validity of the communication fee present request information is authenticated through the validity confirming unit 120, the information registration server 100 includes a predetermined communication including the received communication fee present request information. An electronic document generating unit 135 (or an electronic document generating means) for generating a fee present request electronic document, and the generated communication fee present request electronic document to an electronic document repository associated with the communication fee present request information registration system. It is characterized by comprising an electronic document transmission unit 140 (or electronic document transmission means).

The electronic document generating unit 135 generates a communication charge present request electronic document including the communication charge present request information received from the information registration terminal 180 through the information receiving unit 115.

According to an exemplary embodiment of the present invention, the electronic document generation unit 135 includes customer information, customer communication terminal information, and communication fee present request target customer included in the communication rate present request information received through the information receiving unit 115. Generating document content including at least one information, gift request amount information, and a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC). Or a word processor file including at least one or the like, or a web document file including the MHT), etc., as the communication fee present request electronic document for processing the communication fee present request.

Alternatively, the electronic document generation unit 135 may include customer information included in the communication fee present request information received through the information receiving unit 115, customer communication terminal information, customer information subject to the communication fee present request, and gift request amount information. Create document content including at least one, and at least one of the customer information, the customer communication terminal information, the communication information to the customer request information, the gift request amount information contained in the communication fee gift request information to the document content After including in a watermarking manner, at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking. A communication fee for processing the communication fee futures request) of a word processor file including one or more, or a web document file including an MHT) It is preferable to process the gift request electronic document.

Alternatively, the electronic document generation unit 135 may include customer information included in the communication fee present request information received through the information receiving unit 115, customer communication terminal information, customer information subject to the communication fee present request, and gift request amount information. The communication fee present request processing is performed on an image file that generates document content including at least one or more, and includes image content captured by the document content (eg, image content generated by capturing the document content on a memory). It is preferable to process the communication fee gift request for electronic documents.

Alternatively, the electronic document generation unit 135 may include customer information included in the communication fee present request information received through the information receiving unit 115, customer communication terminal information, customer information subject to the communication fee present request, and gift request amount information. Customer information included in the communication fee present request information is generated in the document content including at least one or more, and the image content (e.g., image content generated by capturing the document content on a memory) that captures the document content. And at least one or more pieces of information of the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information in a watermarking manner, and then the image file including the image content including the watermarking. It is preferable to process the communication charge present request electronic document for processing the charge present request.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 includes customer information, customer communication terminal information, and communication charge present request target included in the communication charge present request information received through the information receiving unit 115. Predetermined document content including at least one of customer information and gift request amount information, and including image content (eg, image content generated by capturing the document content on a memory). Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to process the communication fee present request electronic document for processing the communication fee present request.

Alternatively, the electronic document generation unit 135 may include customer information included in the communication fee present request information received through the information receiving unit 115, customer communication terminal information, customer information subject to the communication fee present request, and gift request amount information. Customer information included in the communication fee present request information is generated in the document content including at least one or more, and the image content (e.g., image content generated by capturing the document content on a memory) that captures the document content. Generating image content including at least one or more information of a customer communication terminal information, a communication charge present request target customer information, and a gift request amount information by a watermarking method, and including the image content including the watermarking. Document files (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc.) By creating a web page file, and so on) that include the word-processor file, or MHT comprising at least one, it is desirable to handle a communication request, the electronic document for the present charge the communication fee gift requests.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 includes customer information, customer communication terminal information, and communication fee present request included in the communication rate present request information received through the information receiving unit 115. Generate document content including at least one target customer information and gift request amount information, and communicate with image content (eg, image content generated by capturing the document content on a memory) that captures the document content; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing fee gift request information, or an MHT. By generating a web document file, etc.), to process the communication charge present request electronic document for processing the communication charge present request. It is good.

Alternatively, the electronic document generation unit 135 may include customer information included in the communication fee present request information received through the information receiving unit 115, customer communication terminal information, customer information subject to the communication fee present request, and gift request amount information. Customer information included in the communication fee present request information is generated in the document content including at least one or more, and the image content (e.g., image content generated by capturing the document content on a memory) that captures the document content. Generating image content including at least one of customer communication terminal information, communication fee gift request target customer information, and gift request amount information by a watermarking method, and communication with the image content including the watermarking. A document file containing the fee gift request information (e.g., a Portable Document Format (PDF) file, or EDI (Electronic Da) ta Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby processing the communication charge present request electronic document for processing the communication charge present request. It is desirable to.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 135 is a technical feature of generating a communication fee gift request electronic document in the image file format and / or a predetermined document file format, and Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the communication fee gift request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 140 transmits and stores the communication fee present request electronic document generated by the electronic document generating unit 135 to a predetermined electronic document repository associated with the communication rate present request information registration system. It is characterized by.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the communication fee present request information registration system and a predetermined electronic document server 150 and electronic document D / When provided externally, including the B (170), the electronic document transmission unit 140 transmits the communication fee gift request electronic document generated by the electronic document generation unit 135 through the communication means; Characterized in that the transmission to the server (150).

Here, when the electronic document server 150 and the electronic document D / B 170 is provided outside the communication fee present request information registration system, the electronic document server 150 and the electronic document D / B ( 170 is preferably managed by an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the communication fee present request information registration system, the electronic document transmitting unit 140 is performed by the electronic document generating unit 135. It is possible to store the generated communication fee present request electronic document in an electronic document D / B 170 corresponding to an electronic document storage on a DBMS provided in the communication fee present request information registration system, thereby limiting the present invention. Not.

According to an embodiment of the present invention, the electronic document transmission unit 140 inputs electronic document related information (eg, the communication fee present request information) for generating predetermined electronic document management information in the electronic document server 150. (Optional) customer information transmitted, and / or financial institution information for transmitting the communication fee gift request electronic document, and / or electronic document file format information, and / or the communication fee gift request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 1, the information registration server 100 has a validity for processing a communication charge futures request through the validity checker 120 when the communication fee present request information received through the information receiver 115 is valid. When the authentication is successful, the customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information included in the validated communication fee gift request information are processed in association with the predetermined storage medium 175 and stored. And an information storage unit 145 (or information storage means).

When the validity of the communication fee present request information is confirmed by the validity confirming unit 120, the information storage unit 145 stores customer information, customer communication terminal information, and communication fee present included in the communication fee present request information. The request target customer information and the gift request amount information are linked and stored in the storage medium 175, wherein the storage medium 175 is provided in the information registration server 100 or the information registration server ( When provided on the network associated with 100), the information storage unit 145 is the customer information included in the received communication fee gift request information, customer communication terminal information, the customer information for the communication fee gift request, gift request amount The information storage unit 145 is preferably stored in the storage medium 175 by cooperatively processing the information, and when the storage medium 175 is provided in a DBMS provided on a financial system. The customer information, the customer communication terminal information, the communication information of the customer request target, and the gift request amount information included in the received communication fee gift request information is provided on the financial system by providing the information system through the external system on the financial system. It is desirable to store in a DBMS.

Referring to FIG. 1, a predetermined communication charge present request electronic document is received from the information registration server 100 provided on the communication charge present request information registration system, and stored in a predetermined electronic document D / B 170. The managing electronic document server 150 includes an electronic document receiving unit 155 (or electronic document receiving means) for receiving a predetermined communication charge present request electronic document from the information registration server 100 through a predetermined communication means, An information generating unit 160 (or information generating means) for generating predetermined electronic document management information for storing and managing the received communication fee gift request electronic document in the electronic document D / B 170; And an electronic document storage unit 165 (or electronic document storage means) for linking and managing document management information and the communication fee present request electronic document to a predetermined electronic document D / B 170. All.

The electronic document receiving unit 155 may receive a communication fee present request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to one embodiment of the present invention, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is the communication received by the information registration server 100 from the information registration terminal 180 A document file (eg, a Portable Document Format (PDF) file) containing document contents including at least one of customer information, customer communication terminal information, communication charge gift request target customer information, and gift request amount information included in the rate gift request information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is included in the communication rate present request information received by the information registration server 100 from the information registration terminal 180. Customer information, customer communication terminal information, and communication fee gift request included in the communication fee gift request information in document contents including at least one of customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information. After including at least one or more information of the target customer information, gift request amount information by watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, or EDI) (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web text including MHT It is preferred which comprises a file, and so on).

Alternatively, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is included in the communication rate present request information received by the information registration server 100 from the information registration terminal 180. Image content that captures document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (e.g., an image generated by capturing the document content on a memory) It is preferably made to include an image file containing the content).

Alternatively, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is included in the communication rate present request information received by the information registration server 100 from the information registration terminal 180. Image content that captures document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (e.g., an image generated by capturing the document content on a memory) Contents) at least one or more of the customer information included in the communication fee present request information, customer communication terminal information, communication fee present request customer information, and gift request amount information by a watermarking method, and then It is preferable to include an image file including the image content including the marking.

According to another exemplary embodiment of the present invention, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is received by the information registration server 100 from the information registration terminal 180. Image content capturing document contents including at least one of customer information included in the communication fee gift request information, customer communication terminal information, customer information subject to the communication charge gift request, and gift request amount information (for example, the document Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is included in the communication rate present request information received by the information registration server 100 from the information registration terminal 180. Image content that captures document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (e.g., an image generated by capturing the document content on a memory) Contents) including image information including at least one or more of customer information included in the communication fee present request information, customer communication terminal information, customer information for the communication fee present request, and gift request amount information in a watermarking manner. A document file (eg, PDF (Portable Document Fo) generated by the document and including image content including the watermarking is generated. rmat) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is received by the information registration server 100 from the information registration terminal 180. Image content (e.g., the document) which captures document content including at least one of customer information, customer communication terminal information, communication charge gift request target customer information, and gift request amount information included in a communication fee gift request information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the contents of the image captured by capturing the contents on a memory and the communication fee present request information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the communication fee present request electronic document received by the electronic document receiving unit 155 through the communication means is included in the communication rate present request information received by the information registration server 100 from the information registration terminal 180. Image content that captures document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (e.g., an image generated by capturing the document content on a memory) Contents) including image information including at least one or more of customer information included in the communication fee present request information, customer communication terminal information, customer information for the communication fee present request, and gift request amount information in a watermarking manner. A door including image content including the watermarking and the communication fee present request information; A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

The information generating unit 160 uses a predetermined electronic document unique number (or unique information) to be assigned to the communication fee present request electronic document received through the electronic document receiving unit 155 and through the electronic document receiving unit 155. And generating electronic document management information including electronic document storage date and time information including a date and time at which the communication fee present request electronic document was received (or a date and time at which the communication fee present request electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 160 refers to the information registration server 100 that transmits the communication fee present request electronic document received through the electronic document receiving unit 155, and the communication fee. It is preferable to identify the financial institution that has sent the gift request electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the communication fee present request information, and / or financial institution information transmitting the communication fee present request electronic document, and / or electronic document file format information). And / or the communication fee present request information, etc.).

The electronic document storage unit 165 associates a communication fee gift request electronic document received through the electronic document receiving unit 155 with electronic document management information generated by the information generating unit 160 to process a predetermined electronic document. It is characterized in that the storage in the D / B (170).

According to an embodiment of the present invention, the communication fee present request electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the information registration server 100 is the information registration terminal ( A document file (eg, PDF) containing document contents including at least one of customer information, customer communication terminal information, communication charge gift request target customer information, and gift request amount information included in the communication charge gift request information received from 180). (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

Alternatively, the communication fee present request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is a communication received by the information registration server 100 from the information registration terminal 180. Customer information included in the communication fee gift request information and customer communication in document contents including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the rate gift request information. After including at least one or more information of the terminal information, the communication fee gift request target customer information, the gift request amount information by the watermarking method, a document file (eg, PDF (Portable) containing the document content including the watermarking A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or the like, or a web including an MHT. It comprises a document file, etc.) is preferred.

Alternatively, the communication fee present request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is a communication fee received by the information registration server 100 from the information registration terminal 180. Image content capturing document content including at least one of customer information included in gift request information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (eg, the document content is stored in memory). It is preferably made to include an image file (including image content generated by capturing on).

Alternatively, the communication fee present request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is a communication received by the information registration server 100 from the information registration terminal 180. Image content that captures at least one document content including at least one piece of customer information included in the rate gift request information, customer communication terminal information, customer information targeted for a communication rate gift request, and gift request amount information (eg, the document content Watermarking at least one of customer information included in the communication fee present request information, customer communication terminal information, customer information targeted for the communication charge present request, and information on the amount of the gift request to the image contents captured and captured on the memory. After including in a manner, it is preferable that the watermarking comprises an image file including the image content.

According to another embodiment of the present invention, the communication fee present request electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the information registration server 100 is the information registration terminal Image content capturing document contents including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the communication fee gift request information received from 180. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). And at least one word processor file or web document file including MHT).

Alternatively, the communication fee present request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is a communication fee received by the information registration server 100 from the information registration terminal 180. Image content capturing document content including at least one of customer information included in gift request information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (eg, the document content is stored in memory). Watermarking method of at least one of the customer information, the customer communication terminal information, the communication information customer request target information, the gift request amount information information included in the communication fee gift request information) A document file including image content including the watermark and generating the watermarking (eg, PDF) Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the information registration server 100 registers the information in the communication fee present request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165. Image capturing document contents including at least one of customer information, customer communication terminal information, communication charge gift request target customer information, and gift request amount information included in the communication fee gift request information received from the terminal 180. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing contents (e.g., image content generated by capturing the document content on a memory) and the communication fee present request information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the communication fee present request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is a communication fee received by the information registration server 100 from the information registration terminal 180. Image content capturing document content including at least one of customer information included in gift request information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information (eg, the document content is stored in memory). Watermarking method of at least one of the customer information, the customer communication terminal information, the communication information customer request target information, the gift request amount information information included in the communication fee gift request information) Generating an image content including an image and including the watermarking image content and the communication fee present request information; Including a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the communication fee present request electronic document is stored in the communication fee present. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the request electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the communication fee present request electronic document is stored in the communication fee. It is preferable that the present invention further includes information on the financial institution that has transmitted the communication fee gift request electronic document identified with reference to the information registration server 100 that has transmitted the gift request electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 165 performs a process of linking with the communication fee present request electronic document. The electronic document management information stored in the electronic document D / B 170 may include customer information transmitted by inputting (selecting) the received electronic document related information (eg, the communication fee present request information), and / or the communication. Financial institution information for transmitting the fee present request electronic document, and / or electronic document file format information, and / or the communication fee present request information, etc.).

2 is a diagram showing the configuration of the communication fee present request information stored in the ledger D / B (200) provided in the DBMS on the financial system in a non-face-to-face manner for processing the communication charge present request according to an embodiment of the present invention.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 175 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. As the configuration of the information on an embodiment of the method for storing the communication fee gift request information including the customer information, the customer communication terminal information, the communication fee gift request target customer information, gift request amount information, the present invention belongs to If one of ordinary skill in the art, it will be able to infer a variety of information configuration method for storing the communication charge futures request information in the ledger D / B (200) by referring to and / or modified in this figure 2, the present invention Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a secured ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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 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 balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 2, the communication charge present request information provided through the communication charge present request information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. The information is characterized in that it comprises at least one of customer information, customer communication terminal information, communication information customer request target information, gift request amount information.

According to another exemplary embodiment of the present invention, the communication fee present request information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 3 is a communication fee futures request information configuration stored in a database associated with the ledger D / B (200) provided in the DBMS on the financial system in a non-face-to-face for processing the communication fee futures request in accordance with another embodiment of the present invention Figure is shown.

In more detail, FIG. 3 illustrates an embodiment of the method in which the storage medium 175 illustrated in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to transmit the communication charge present request information to a predetermined database with the ledger D / B 200. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, FIG. 3 shows that when it is not easy to store the communication charge futures request information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, in the policy of the financial institution, When it is not easy to change the ledger D / B 200, or the system expansion is not easy due to the characteristics of the financial system), the communication fee present request information is written to a predetermined database instead of the ledger D / B 200. And an implementation method of storing the database in association with the ledger D / B 200.

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 embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 3, the database is characterized in that the customer information contained in the communication fee gift request information, the customer communication terminal information, the communication fee gift request target customer information, gift request amount information is stored in association with each other, The communication fee present request information may further include a CIF number corresponding to the ledger information in the communication fee present request information in order to be processed in association with the ledger D / B 200.

4 is a diagram illustrating a communication charge presenting request information structure stored in a DBMS provided in a banking server in a non-face-to-face manner to process a communication charge presenting request according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 175 shown in FIG. 1 is provided on an internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 Although it is possible to infer a method of configuring information on the communication fee present request information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server links and processes customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the communication fee gift request information. It is characterized by storing.

5A and 5B illustrate a process of registering communication charge present request information in a non-face-to-face manner for processing a communication charge present request according to an exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B show that the information registration terminal 180 on the communication fee present request information registration system shown in FIG. 1 is a client terminal, and the information registration server 100 is a client through a predetermined network means. In the case where the terminal has a web server function to which the terminal can be connected, a predetermined customer may use the client terminal to process the customer's information, the customer's communication terminal information, the customer's information for the communication charge present request, and the gift request amount through the client terminal for processing the communication charge present request. When providing the communication charge present request information including at least one information, the communication charge present request information registration system generates a predetermined communication charge present request electronic document including the provided communication charge present request information and generates a predetermined electronic document. Stored in the storage, the customer information contained in the communication fee gift request information, the customer The present invention relates to an embodiment of a method of linking communication terminal information, communication fee gift request customer information, and gift request amount information to a predetermined storage medium 175, and a person having ordinary knowledge in the technical field to which the present invention belongs. 5A and 5B may be inferred from various implementation methods for registering the communication fee gift request information from the client terminal to the information registration server 100 by referring to and / or modifying the present invention. The present invention includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the method shown in FIGS. 5A and 5B, the client terminal inputs (or selects) the communication fee present request information through a predetermined web page provided by the information registration server 100. Although illustrated as being provided, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

5A and 5B, the client terminal shown in FIG. 1 is referred to as a "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the client terminal The customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information transmitted to the information registration server 100 are referred to as "communication fee gift request information" for convenience.

5A and 5B, when the client terminal illustrated in FIG. 1 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the communication When a web page including a user interface for processing a fee present request is requested (500), the server correspondingly includes at least one of the customer information, customer communication terminal information, customer information for a communication fee present request, and gift request amount information. A web page including a user interface for inputting (or selecting) the communication fee gift request information including the above is transmitted to the server. (Or extract), and 505, and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the mobile station (510).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the communication fee gift request information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) communication charge gift request information including at least one or more customer information, customer communication terminal information, communication charge gift request target customer information, and gift request amount information through a user interface included in the web page. (515).

If the terminal inputs (or selects) the communication fee gift request information including the customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information through the user interface (520), the The terminal transmits the inputted (or selected) customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information to the server through the communication channel (525).

According to an embodiment of the present invention, the terminal includes the customer information, customer communication terminal information, communication fee gift request target customer information, gift request amount information including at least one or more communication fee gift request information in the server the communication fee The network means further includes at least one or more of a predetermined password and / or security card information for confirming the validity of the gift request information and / or an OTP code generated through a predetermined one time password (OTP) generator. It is preferable to transmit to the server.

According to an embodiment of the present invention, the terminal may include at least one encryption method for communication charge present request information including at least one of the customer information, customer communication terminal information, communication charge present request target customer information, and gift request amount information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.), and / or the communication fee present request information. Preferably, a predetermined electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. Has a predetermined public certificate which includes, and / or has a predetermined IC If provided in (or IC card), it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method for communication charge present request information including at least one of the customer information, customer communication terminal information, communication charge present request target customer information, and gift request amount information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) for transmission to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. When provided in the IC chip (or IC card) of the authorized certification provided in the IC chip (or IC card) It is equipped with a card reader for identifying a preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the communication charge present request information, and technical features of attaching a predetermined electronic signature to the communication charge present request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information through the communication channel to check the validity of the communication fee gift request information (530). ).

According to an embodiment of the present invention, the communication fee present request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may convert the encrypted communication fee present request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received communication fee present request information.

Alternatively, when a predetermined electronic signature is attached to the communication charge present request information, the server verifies the validity of the received communication charge present request information by checking the electronic signature attached to the communication charge present request information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted communication charge present request information, and a technology for confirming an electronic signature attached to the communication charge present request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the communication fee present request information received through the information receiving unit 115 further includes a predetermined password for checking the validity of the communication fee present request information, the server may be configured to perform the above. It is preferable to authenticate the validity of the received communication charge present request information by comparing and authenticating a password included in the communication charge present request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the communication fee present request information received through the information receiving unit 115 further includes predetermined security card information for confirming the validity of the communication fee present request information, the server presents the communication fee present. It is preferable to authenticate the validity of the received communication fee present request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the communication rate present request information received through the information receiving unit 115 further includes a predetermined OTP code for checking the validity of the communication rate present request information, the server requests the communication rate present request. The validity of the received communication fee present request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the communication fee present request information is matched with the communication fee present request information to the ledger D / B 200 on the financial system associated with the communication fee present request information registration system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 120 may include the customer information (customer personal information, member information, etc.) of the information included in the communication fee present request information on a financial system associated with the communication fee present request information registration system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (200).

In addition, the validation of the communication fee futures request information is

It is preferable to include at least one.

If the validity of the communication fee present request information is not authenticated (535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (540), and the communication fee present request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the communication fee present request information is authenticated (535), the server checks the presence or absence of the financial transaction of the customer of the gift request target included in the communication fee present request information (542).

If the target customer of the future request is not a financial transaction customer of the financial institution (543), the server opens an online blind new account under the name of the future customer of the future request (544).

Here, it is preferable to further include a process of processing the approval for the received communication fee gift request information for the gift request target customer before opening the online hidden account.

According to an embodiment of the present invention, the approval processing for the communication fee gift request processing the reception history of receiving the communication fee gift request information to be transmitted to the terminal of the gift request target customer, the customer of the gift request target It is preferable to receive the approval from the terminal.

Here, the method of receiving the approval, including the callback UAL using the transmission, and then set according to whether or not connected through the callback UAL (or access menu selection), or obtain the approval using the ARS It is desirable to.

Subsequently, the server generates predetermined document content including at least one or more customer information including the communication fee present request information, customer communication terminal information, customer information for the communication fee present request, and gift request amount information (545). In operation 550, a predetermined communication charge present request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server may include at least one document including customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the received communication fee gift request information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or an MHT. Web document file, etc.) is preferably processed as a communication charge present request electronic document for the communication charge present request processing.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. After the watermarking method includes at least one or more information of the customer information, the customer communication terminal information, the customer information of the communication fee gift request target, the gift request amount information included in the content in the communication fee gift request information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) to be processed as a communication fee gift request electronic document for processing the communication fee gift request. It is good.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. It is preferable to process an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) into a communication rate present request electronic document for processing the communication rate present request. Do.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. The customer information included in the communication fee present request information, the customer communication terminal information, and the customer information subject to the communication fee present request to the captured image content (e.g., image content generated by capturing the document content on a memory). And including at least one information of the gift request amount information by a watermarking method, and then converting an image file including the image content including the watermarking into a communication fee gift request electronic document for processing the communication fee gift request. It is preferable to process.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the received communication fee gift request information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the request electronic document.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. The customer information included in the communication fee present request information, the customer communication terminal information, and the customer information subject to the communication fee present request to the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one or more information of gift request amount information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or WordPro including at least one EDI (Electronic Data Interchange) file or HWP / DOC. By generating a tax file or a web document file including MHT), it is preferable to process the communication fee present request electronic document for processing the communication fee present request.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the received communication fee gift request information. A predetermined document file including an image content (eg, image content generated by capturing the document content on a memory) and the communication fee present request information; , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Communication charges for gift request processing It is desirable to process the gift request electronic document.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. The customer information included in the communication fee present request information, the customer communication terminal information, and the customer information subject to the communication fee present request to the captured image content (e.g., image content generated by capturing the document content on a memory). A document file (eg, PDF) including image content including the watermarking information and the communication fee gift request information including watermarking; (Portable Document Format) files, EDI (Electronic Data Interchange) files, or HWP / DOC By generating a word processor file including one or more, or a web document file including the MHT, etc.), it is preferable to process the communication charge present request electronic document for the communication charge present request processing.

Those skilled in the art to which the present invention pertains include technical features that the server generates a communication charge present request electronic document in an image file format and / or a predetermined document file format, and the communication charge present request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated communication fee present request electronic document in a predetermined electronic document storage (555).

As shown in FIG. 1, the electronic document repository is connected with a server on the communication fee present request information registration system through a predetermined communication means, and a predetermined electronic document server 150 and an electronic document D / B 170. When provided to the outside, the server transmits the generated communication fee gift request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) It is preferable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the communication fee present request information registration system, the server may include the generated communication fee present request electronic document in the communication fee present request information registration system. It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the communication fee present request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated communication fee present request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the communication fee present request electronic document and the electronic document storage date and time information.

The electronic document management information may further include information about a financial institution that transmits the communication fee present request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the communication fee present request information) and / or financial institution information transmitting the communication fee present request electronic document. , And / or electronic document file format information, and / or the communication fee present request information, etc.).

If the communication fee present request electronic document is stored in the electronic document repository (560), the server includes the customer information included in the communication fee present request information, customer communication terminal information, customer information subject to the communication charge present request, gift The request amount information is cooperatively processed and stored in a predetermined storage medium 175 (565), predetermined information registration history information (e.g., the details of storing the communication fee present request electronic document in the electronic document storage, and / or The storage medium 175 generates (or extracts) the details of storing the communication charge present request information and transmits the generated information to the terminal (570).

According to an embodiment of the present invention, the storage medium 175 is provided in a DBMS on a financial system provided on the communication fee present request information registration system (or associated with the communication fee present request information registration system). Preferably, the storage medium 175 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 175 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or wireless banking provided on the communication fee present request information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

6A, 6B, and 6C illustrate a process of registering communication charge future request information through a non-face-to-face financial transaction channel for processing a communication charge future request according to an embodiment of the present invention.

6a, 6b, and 6c show the communication rate futures request information registration system shown in FIG. 1 when the system is realized through an internet banking system in a non-face-to-face financial transaction channel (i.e., as shown in FIG. In the case where the information registration server 100 on the communication fee futures request information registration system is an Internet banking server, the client terminal connects to the Internet banking server through a TCP / IP-based network (for example, the Internet, etc.) and is predetermined. After performing the customer authentication procedure of the client, the client terminal transmits a predetermined communication charge present request information for processing a communication charge present request to the Internet banking server, and the received communication charge present request information from the Internet banking server. Generates a predetermined communication fee gift request electronic document including and stores in a predetermined electronic document storage, the communication request The present invention relates to an embodiment of the present invention, which includes the customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information, which are included in the gold gift request information, and stored in a predetermined storage medium 175. Those skilled in the art may refer to and / or modify the drawings 6a, 6b, and 6c to register the communication fee futures request information through other types of non-face-to-face financial transaction channels. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A, 6B and 6C.

That is, in FIGS. 6A, 6B, and 6C, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a communication charge futures request information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 6A, 6B, and 6C. Terminal and internet banking standing Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a communication fee future request information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction channel connection method shown in Figures 6a, 6b and 6c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method for linking a non-face-to-face channel-based financial transaction channel for registering a communication fee futures request information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 6A, 6B, and 6C.

6A, 6B, and 6C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 100 is referred to as " server "

6A, 6B, and 6C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (600a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (605a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (620a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (625a), or if the terminal does not need to load and / or update the security module for internet banking (615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (630a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by using an encryption algorithm), the terminal may verify the electronic signature and / or the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also provided by the terminal to the server in order to register the communication fee present request information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering the communication fee present request information in the terminal. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication process through the browser program (635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 640a, the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for a non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (645a).

If the Internet banking customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (660a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined communication charge present request information for processing a communication charge present request from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for processing the communication fee future request request to the server through an internet banking-based financial transaction channel (600b), the server corresponding to the customer information, customer communication Generate (or select) a web page including a user interface for inputting (or selecting) communication fee gift request information including at least one of terminal information, customer request target customer information, and gift request amount information, and transmitting the information to the server. Extraction) (605b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (610b).

According to an embodiment of the present invention, the web page inputs communication fee gift request information including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information in the terminal (or And / or predetermined password and / or security card information (e.g., the Internet) to verify the validity of the Internet banking customer requesting to register the communication fee gift request information. Security card information printed on the security card issued to the customer during the banking application process and / or OTP (One Time Password) (e.g., Internet banking application process (or after internet banking application). User interface (or one-time password generated by the OTP authentication program) To include preferred.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the communication fee gift request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) communication fee gift request information including at least one of the customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information through the information registration interface ( 615b).

If the terminal inputs (or selects) the communication fee gift request information including the customer information, the customer communication terminal information, the communication fee gift request target customer information, and the gift request amount information through the user interface (620b), The terminal transmits the input (or selected) communication fee futures request information to the server through the financial transaction channel (625b).

According to an embodiment of the present invention, the terminal includes the customer information, customer communication terminal information, communication fee gift request target customer information, gift request amount information including at least one or more communication fee gift request information in the server the communication fee The network means further includes at least one or more of a predetermined password and / or security card information for confirming the validity of the gift request information and / or an OTP code generated through a predetermined one time password (OTP) generator. It is preferable to transmit to the server.

According to an embodiment of the present invention, the terminal may include at least one encryption method for communication charge present request information including at least one of the customer information, customer communication terminal information, communication charge present request target customer information, and gift request amount information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.), and / or the communication fee present request information. Preferably, a predetermined electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. Has a predetermined public certificate which includes, and / or has a predetermined IC If provided in (or IC card), it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method for communication charge present request information including at least one of the customer information, customer communication terminal information, communication charge present request target customer information, and gift request amount information. Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) for transmission to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or the public certificate has a predetermined certificate. When provided in the IC chip (or IC card) of the authorized certification provided in the IC chip (or IC card) It is equipped with a card reader for identifying a preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the communication charge present request information, and technical features of attaching a predetermined electronic signature to the communication charge present request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the communication charge present request information through the financial transaction channel to confirm the validity of the communication charge present request information (630b).

According to an embodiment of the present invention, the communication fee present request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may convert the encrypted communication fee present request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received communication fee present request information.

Alternatively, when a predetermined electronic signature is attached to the communication charge present request information, the server verifies the validity of the received communication charge present request information by checking the electronic signature attached to the communication charge present request information. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features of various decryption methods for decrypting the encrypted communication charge present request information, and a technology for confirming an electronic signature attached to the communication charge present request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the communication fee present request information received through the information receiving unit 115 further includes a predetermined password for checking the validity of the communication fee present request information, the server may be configured to perform the above. It is preferable to authenticate the validity of the received communication charge present request information by comparing and authenticating a password included in the communication charge present request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the communication fee present request information received through the information receiving unit 115 further includes predetermined security card information for confirming the validity of the communication fee present request information, the server presents the communication fee present. It is preferable to authenticate the validity of the received communication fee present request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the communication rate present request information received through the information receiving unit 115 further includes a predetermined OTP code for checking the validity of the communication rate present request information, the server requests the communication rate present request. The validity of the received communication fee present request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity check of the communication charge present request information is matched with the communication charge present request information to the ledger D / B 200 on the financial system associated with the communication charge present request information registration system. It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirming unit 120 may include the customer information (customer personal information, member information, etc.) of the information included in the communication fee present request information on a financial system associated with the communication fee present request information registration system. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (200).

In addition, the validation of the communication fee futures request information is

It is preferable to include at least one.

If the validity of the communication fee present request information is not authenticated (635b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (640b), and the communication fee present request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the communication fee gift request information is authenticated (635b), the server checks (642b) whether or not the financial transaction of the customer of the gift request target included in the communication fee gift request information.

If the target customer of the future request is not a financial transaction customer of the financial institution (643b), the server opens an online hidden account in the name of the future target customer (644b).

Here, it is preferable to further include a process of processing the approval for the received communication fee gift request information for the gift request target customer before opening the online hidden account.

According to an embodiment of the present invention, the approval processing for the communication fee gift request processing the reception history of receiving the communication fee gift request information to be transmitted to the terminal of the gift request target customer, the customer of the gift request target It is preferable to receive the approval from the terminal.

Here, the method of receiving the approval, including the callback UAL using the transmission, and then set according to whether or not connected through the callback UAL (or access menu selection), or obtain the approval using the ARS It is desirable to.

Thereafter, the server generates predetermined document content including at least one or more customer information including the communication fee gift request information, customer communication terminal information, customer information for the communication fee gift request, and gift request amount information (645b). In operation 650c, a predetermined communication fee present request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server may include at least one document including customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the received communication fee gift request information. A word processor file that generates content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or an MHT. Web document file, etc.) is preferably processed as a communication charge present request electronic document for the communication charge present request processing.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. After the watermarking method includes at least one or more information of the customer information, the customer communication terminal information, the customer information of the communication fee gift request target, the gift request amount information included in the content in the communication fee gift request information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files, etc.) to be processed as a communication fee gift request electronic document for processing the communication fee gift request. It is good.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. It is preferable to process an image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) into a communication rate present request electronic document for processing the communication rate present request. Do.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. The customer information included in the communication fee present request information, the customer communication terminal information, and the customer information subject to the communication fee present request to the captured image content (e.g., image content generated by capturing the document content on a memory). And including at least one information of the gift request amount information by a watermarking method, and then converting an image file including the image content including the watermarking into a communication fee gift request electronic document for processing the communication fee gift request. It is preferable to process.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the received communication fee gift request information. A predetermined document file (eg, a Portable Document Format (PDF) file) including document content generated from the document content and capturing the document content (eg, image content generated by capturing the document content on a memory). Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the request electronic document.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. The customer information included in the communication fee present request information, the customer communication terminal information, and the customer information subject to the communication fee present request to the captured image content (e.g., image content generated by capturing the document content on a memory). Generating an image content including at least one or more information of gift request amount information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking; Or WordPro including at least one EDI (Electronic Data Interchange) file or HWP / DOC. By creating a document file, or web page file, and so on) containing the MHT, it is desirable to handle a communication request, the electronic document for the present charge the communication fee gift requests.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, customer communication terminal information, communication fee gift request customer information, and gift request amount information included in the received communication fee gift request information. A predetermined document file including an image content (eg, image content generated by capturing the document content on a memory) and the communication fee present request information; , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Communication charges for gift request processing It is desirable to process the gift request electronic document.

Alternatively, the server generates document content including at least one of customer information, customer communication terminal information, communication fee gift request target customer information, and gift request amount information included in the received communication fee gift request information, and the document. The customer information included in the communication fee present request information, the customer communication terminal information, and the customer information subject to the communication fee present request to the captured image content (e.g., image content generated by capturing the document content on a memory). A document file (eg, PDF) including image content including the watermarking information and the communication fee gift request information including watermarking; (Portable Document Format) files, EDI (Electronic Data Interchange) files, or HWP / DOC By generating a word processor file including one or more, or a web document file including the MHT, etc.), it is preferable to process the communication charge present request electronic document for the communication charge present request processing.

Those skilled in the art to which the present invention pertains include technical features that the server generates a communication charge present request electronic document in an image file format and / or a predetermined document file format, and the communication charge present request electronic document. Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated communication fee present request electronic document in a predetermined electronic document storage box (655c).

As shown in FIG. 1, the electronic document storage unit stores a predetermined electronic document server 150 and an electronic document D / B 170 associated with a server on the communication fee present request information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated communication fee gift request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) desirable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the communication fee present request information registration system, the server may include the generated communication fee present request electronic document in the communication fee present request information registration system. It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the communication fee present request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated communication fee present request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (170).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the communication fee present request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the communication fee present request electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the communication fee present request information) and / or financial institution information transmitting the communication fee present request electronic document. , And / or electronic document file format information, and / or the communication fee present request information, etc.).

If the communication fee present request electronic document is stored in the electronic document repository (660c), the server includes the customer information included in the communication fee present request information, customer communication terminal information, customer information subject to the communication charge present request, and a present. The requested amount information is cooperatively processed and stored in a predetermined storage medium 175 (665c), predetermined information registration history information (e.g., the details of storing the communication fee gift request electronic document in the electronic document storage, and / or The storage medium 175 generates (or extracts) the details of storing the communication charge present request information and transmits the generated information to the terminal (670c).

According to an embodiment of the present invention, the storage medium 175 is provided in a DBMS on a financial system provided on the communication fee present request information registration system (or associated with the communication fee present request information registration system). Preferably, the storage medium 175 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 175 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or wireless banking provided on the communication fee present request information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

7 is a diagram illustrating a settlement processing system for processing a communication charge settlement by a gift (or payment) for a communication charge between customers according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates the received communication charge when receiving a communication charge settlement request information including at least one of communication company information, customer communication terminal unique information, receiving customer information, and communication charge information from a communication company server 755. In response to the settlement request information, withdrawal processing of the calling party communication fee for the customer and the receiving communication fee for the customer from the communication fee payment account associated with the unique information of the customer communication terminal, and the amount of the withdrawal processed FIG. 7 illustrates a configuration of a communication fee settlement processing system for depositing and processing a financial account of a telecommunication company, and a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing to adjust the communication fee between customers. It is possible to infer various implementation methods of the settlement processing system for the settlement of communication charges by the futures (or payment) As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, on the settlement processing system shown in FIG. 7, communication charge settlement request information including at least one communication company information, a customer communication terminal unique information, a receiving side customer information, and a communication fee information received from the communication company server 755 is included. A component corresponding to at least one or more means and / or functional configurations for providing a financial transaction for the processing of settlement of a communication charge by a gift (or payment) for the communication charge between the customers using the "payment processing server 700" for convenience. "

Referring to FIG. 7 according to an embodiment of the present invention, a settlement processing system for a communication rate settlement process by a gift (or payment) for the communication rate between customers is the customer communication terminal through the communication rate payment account. A telecommunication company server 755 for transmitting telecommunication charge settlement request information for all (or a part) of telecommunication charges charged to the at least one receiving customer communication terminal using the call service with the customer; Settlement processing server 700 and the communication bill payment account for the settlement processing corresponding to the communication charge settlement request information received from the communication server server 755 through the network means connected between the carrier server 755 and the settlement processing server 700 It is characterized by comprising a financial system established.

The financial system that processes the at least one financial transaction service through the communication fee settlement account in connection with the settlement processing server 700 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. Characterized in that the connection through a predetermined financial network (for example, the current network), through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

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

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

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

Referring to FIG. 7, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. Based wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

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

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational manner, and / or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood that the detailed description thereof will be omitted for convenience.

The settlement processing server 700 provided on the settlement processing system according to the present invention is a generic term for the settlement processing system side components connected to the telecommunication company server 755 via a network means, and includes at least one server (or an apparatus). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

The communication charge settlement request information transmitted from the communication company server 755 to the settlement processing server 700 for a communication charge settlement process by a gift (or payment) for the communication fee between the customers is predetermined carrier information, Characterized in that it comprises at least one or more of the customer communication terminal unique information, the receiving side customer information, communication fee information.

Referring to FIG. 7, the settlement processing server 700 may include communication charge settlement request information including at least one of communication company information, customer communication terminal unique information, receiving side customer information, and communication fee information in the communication company server 755. When transmitting, confirms the information receiving unit 705 (or information receiving means) for receiving the communication fee settlement request information and the communication fee payment account specified by the receiving customer included in the received communication fee settlement request information. An incentive calculation unit 715 (or an incentive calculation) that calculates an incentive to be given to an account holder for the communication fee payment account when calculating the calculated communication fee from the communication fee payment account. Means) and the financial transaction processing unit 720 (or financial transaction processing number) for settlement of the communication fee for the customer through the confirmed communication fee payment account; The information storage unit 745 (or information) for storing the communication charge payment details for the communication charge payment account generated through the financial transaction processing unit 720 in the storage medium 750, And storage means).

The information receiving unit 705 inputs communication charge settlement request information including at least one of communication company information, customer communication terminal unique information, receiving side customer information, and communication fee information through the user interface at the communication company server 755 ( Or) transmits through the network means, and receives the communication fee settlement request information in association with the interface unit 725.

The telecommunication company information is a carrier name, business registration number, corporate registration number, address, telephone number for a telecommunication company that transmits the telecommunication fee settlement request information, when the customers belonging to the telecommunication company requested payment of the communication fee through the financial institution; An e-mail address and the like, a management number (or management code) assigned to manage the telecommunications company by the financial institution, member ID information or CIF (Customer Information File) number assigned by the telecommunications company as a member of the financial institution, and the like. It is preferable to include at least one.

The unique information of the customer communication terminal includes at least one of a telephone number, a device unique number, a device manufacturer name, a device manufacturing date, a device model name, etc., assigned to a call terminal possessed by a customer who has requested a payment of a communication fee through the financial institution. It is preferable to include the above, when the customer communication terminal is provided with a USIM chip, it is preferable that the at least one or more information provided in the USIM chip further comprises, the customer communication terminal according to the intention and purpose of those skilled in the art In addition to the unique information, it is also possible to receive the communication fee payment account information of the customer.

The receiving side customer information is registered as a customer of the communication fee present request for processing the payment of the communication fee for the communication fee generated when the customer uses the call service through the communication company, the communication fee is generated In order to check whether the customer's name, mobile phone number, etc. for the receiving party is preferably included, personal information (for example, social security number, address, telephone number, mail, etc.) of the receiving party according to the intention and purpose of the skilled person. Address, etc.) and member information on the receiving side customer (e.g., when the receiving side customer joins the financial transaction customer of the financial institution, corresponding to the receiving side customer on the financial system associated with the settlement processing system). Member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided at And preferably it comprises at least.

The information checking unit 710 checks the communication bill payment account information corresponding to the customer information of the receiving side of the information included in the communication fee settlement request information in response to the received communication fee settlement request information If the received communication charge settlement request information includes communication charge payment account information, the process of checking communication charge payment account information may be omitted.

The communication fee payment account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name of the receiving side, receiving side customer information (for example, the name of the account holder, Or CIF (Customer Information File) number of the customer corresponding to the communication fee payment account, financial institution information (eg, bank name, or bank code), branch information (eg, branch code), contact information (eg, the Name of the person in charge of opening and in charge of a communication fee payment account, a person in charge code, etc.) may be further included.

The incentive calculation unit 715 may calculate a differential incentive for the withdrawal amount generated by the customer of the receiving side in response to the communication fee included in the received communication fee settlement request information, or It is characterized in that the collective incentive amount is calculated, in accordance with the intention and purpose of those skilled in the art, if the receiving customer is a new customer, incentives may be provided to the customer.

Here, the incentive is a communication fee discount for a communication fee paid by the receiving customer through the communication fee payment account, or a cash deposit to the communication fee payment account (or a financial account in the receiving customer name), Or a preferential interest rate benefit for a financial product that provides points to the customer or to which the receiving customer subscribes (or newly subscribes).

According to the method of the present invention, the calculation of the incentive to be provided to the customer having the communication bill payment account, it is preferable to calculate a certain amount as an incentive according to the number of the customer communication fee withdrawal through the communication bill payment account. Do.

According to another exemplary embodiment of the present invention, the incentive calculation to be provided to the customer having the communication fee payment account includes a predetermined amount (for example, 1% of the communication fee) for the communication fee withdrawn through the communication fee payment account. It is preferable to calculate incentives.

According to another embodiment of the present invention, the incentive calculation to be provided to the customer having the communication bill payment account, when the initial communication fee is withdrawn through the communication bill payment account, corresponding to a certain amount (or corresponding to the communication fee) It is desirable to calculate a certain amount) as an incentive.

The financial transaction processing unit 720 is connected to the financial system for the communication fee between the customer based on at least one or more of the received communication fee settlement request information, the confirmed communication fee payment account information and the calculated incentives It is characterized by processing a financial transaction for the communication fee settlement processing.

According to an embodiment of the present invention, the withdrawal of the communication fee of the customer from the communication fee payment account is determined from the account ledger corresponding to the communication fee payment account confirmed based on the received communication fee settlement request information in connection with the financial system. It is preferable to withdraw the amount of money corresponding to the communication fee.

According to another embodiment of the present invention, the withdrawal of the communication fee of the customer from the communication fee payment account from the account ledger corresponding to the communication fee payment account information included in the communication fee settlement request information in connection with the financial system It is preferable to withdraw the amount of money corresponding to the fee.

According to an embodiment of the present invention, the communication fee processing withdrawn from the communication bill payment account is preferably the deposit processing of the amount withdrawn to the communication company financial account.

According to another exemplary embodiment of the present invention, the communication charge processing withdrawn from the communication charge settlement account is preferably to separately deposit the respective amount of the withdrawal amount to the telecommunications company financial account.

According to another exemplary embodiment of the present invention, the communication charge processing withdrawn from the communication charge payment account corresponds to the unique information of the customer communication terminal, depositing the amount to be processed payment to the payment account for the customer communication terminal; Preferably, the payment account for the customer communication terminal is preferably confirmed in connection with the financial system, or in conjunction with the communication company server (755).

In this case, when the communication fee settlement processing by the gift request for the communication fee between the customers, the calculated incentive may be applied in advance and the settlement process may be made or paid after the settlement process, thereby limiting the present invention. No.

In addition, when the communication fee settlement process by the request of the gift exceeds the amount that the customer applied for a gift (or payment) to the communication fee between the customers, the excess communication fee is only in excess (or in excess of the total amount). It is desirable to process the payment to the receiving customer.

After the settlement processing for the amount calculated from the two-way direct debit account through the financial transaction processing unit 720 is completed, the information storage unit 745 receives the communication fee payment history information paid through the two-way debit account. It is characterized by storing in association with.

Referring to this drawing x according to an embodiment of the present invention, the settlement processing system for providing a customer and receiving communication fee payment history inquiry service through the communication bill payment account according to the present invention, at least one customer connected to the network means And a storage medium 750 for storing (associated) the communication fee payment information including at least one of customer information and communication fee payment information transmitted from the customer terminal 760. It is done.

The customer terminal 760 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (8ery high- and at least one wired terminal including a desktop computer and / or a laptop connected to the settlement processing server 700 via an xDSL and / or cable communication network including at least one data rate digital subscriber line). And / or a mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or an IEEE 802.16x based high speed wireless Internet. At least one wireless terminal including at least one portable internet terminal connected thereto and / or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. Characterized in that it comprises a, wherein the customer terminal 760 outputs one or more user interface screen provided by the settlement processing server 700, for querying one or more communication fee payment information through the user interface screen It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal 760 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the customer terminal 760 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the customer terminal 760 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network. .

The storage medium 750 provided on the settlement processing system according to the present invention provides customer information on at least one or more customers to be transmitted to the customer terminal 760 and communication fee payment information on the communication fee paid by the customer. Characterized in that it stores at least one communication fee payment information including at least one.

According to the method of the present invention, the settlement processing server 700 communicates with the customer terminal 760 through the network means in order to provide a web interface corresponding to the customer terminal 760 and the network means. And an interface unit 725 (or interface means) for connecting and managing channels, whereby the settlement processing server 700 establishes a wired communication network and / or a wireless communication network with the customer terminal 760. It has the function of a web server connected via communication.

According to an embodiment of the present invention, when the customer terminal 760 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 725 is the customer terminal 760. And a predetermined communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and the information providing screen in the form of HTML (Hyper-Text Markup Language) compatible document to the customer terminal 760 through the communication channel. It is desirable to perform the function of transmitting and outputting.

According to another exemplary embodiment of the present invention, when the customer terminal 760 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 725 connects to the customer terminal 760 and a WAP (Wireless). Connect a predetermined communication channel based on an Application Protocol and / or Mobile Explorer (ME) protocol, and use the information in the form of a WML (Wireless Markup Language) and / or HTML compatible document to the customer terminal 760 through the communication channel. It is preferable to perform a function of transmitting and outputting the provision screen.

Referring to FIG. X, when the predetermined customer terminal 760 connects to the settlement processing server 700 through the interface unit 725, the settlement processing server 700 interworks with the interface unit 725. An interface provider 730 (or interface providing means) for generating (or extracting) a user interface for providing communication fee payment information including at least one of predetermined customer information and communication fee payment information in the customer terminal 760; And receiving inquiry request information including at least one of customer information and inquiry condition information inputted (or selected) transmitted from the client terminal 760 through the user interface in association with the interface unit 725. Inquiry request receiving unit 735 (or inquiry request receiving means), and information providing unit 740 (or information for providing communication fee payment information corresponding to the received inquiry request information) Providing means).

The interface providing unit 730 has a functional configuration (eg, a customer terminal) provided in the customer terminal 760 when the customer terminal 760 is connected to the settlement processing server 700 through the interface unit 725. A user interface screen capable of inputting (or selecting) inquiry request information corresponding to a browser program included in 760) and transmitting to the settlement processing server 700 through the network means, or generating a database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 725 to the customer terminal 760 through the network means.

Subsequently, when it is confirmed that the customer terminal 760 has received (or selected) inquiry request information including at least one of the customer information and inquiry condition information based on the user interface screen, the customer terminal 760 The input (or selected) inquiry request information is transmitted to the settlement processing server 700.

Those skilled in the art to which the present invention pertains, at least one or more of the customer information, communication fee payment information through the at least one form form included in the user interface in the customer terminal 760 Technical features for inputting (or selecting) communication fee payment information, and communication fee payment information including at least one of customer information and communication fee payment information input (or selected) through a communication protocol provided by the network means. Since you will be familiar with the technical features of the transfer to the settlement processing server 700, a detailed description thereof will be omitted for convenience.

When the inquiry request receiving unit 735 inputs (or selects) inquiry request information including at least one of customer information and inquiry condition information through the user interface screen, the client terminal 760 transmits the request information through the network means. In response to the interface unit 725, the inquiry request information is received.

Thereafter, when the inquiry request information is received through the inquiry request receiving unit 735, the information providing unit 740 receives the inquiry result information corresponding to the inquiry request information received by the inquiry request receiving unit 735 from the customer terminal ( 760).

8 is a diagram illustrating an operation process of a settlement processing system for processing a communication charge settlement by a gift (or payment) for a communication charge between customers according to an embodiment of the present invention.

In more detail, when FIG. 8 receives communication fee settlement request information including at least one of communication company information, customer communication terminal unique information, receiving side customer information, and communication fee information from the communication company server 755, the received communication fee In response to the settlement request information, withdrawal processing of the calling party communication fee for the customer and the receiving communication fee for the customer from the communication fee payment account associated with the unique information of the customer communication terminal, and the amount of the withdrawal processed As an operation process of a communication fee settlement processing system for depositing and processing a financial company's financial account, a person having ordinary knowledge in the technical field to which the present invention pertains refers to communication fee between customers by referring to and / or modifying FIG. Various implementations of the operation process of the settlement processing system for settlement of communication charges by gifts (or payment) Would be able to derive a method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

Referring to FIG. 8, the communication service provider server 755 shown in FIG. 7 requests a communication channel connection for requesting a communication charge settlement from the communication service server 700 shown in FIG. 7 (800). The settlement processing server 700 connects the communication channel for the communication charge settlement process (805).

Thereafter, the telecommunication company server 755 transmits to the settlement processing server 700 the communication fee settlement request information including at least one of telecommunication company information, customer communication terminal unique information, receiving side customer information, and communication fee information. In operation 810, the settlement processing server 700 receives communication charge settlement request information received from the communication company server 755 through the communication channel in operation 815.

The telecommunication company information is a carrier name, business registration number, corporate registration number, address, telephone number for a telecommunication company that transmits the telecommunication fee settlement request information, when the customers belonging to the telecommunication company requested payment of the communication fee through the financial institution; An e-mail address and the like, a management number (or management code) assigned to manage the telecommunications company by the financial institution, member ID information or CIF (Customer Information File) number assigned by the telecommunications company as a member of the financial institution, and the like. It is preferable to include at least one.

The unique information of the customer communication terminal includes at least one of a telephone number, a device unique number, a device manufacturer name, a device manufacturing date, a device model name, etc., assigned to a call terminal possessed by a customer who has requested a payment of a communication fee through the financial institution. It is preferable to include the above, when the customer communication terminal is provided with a USIM chip, it is preferable that the at least one or more information provided in the USIM chip further comprises, the customer communication terminal according to the intention and purpose of those skilled in the art In addition to the unique information, it is also possible to receive the communication fee payment account information of the customer.

The unique information on the receiving side communication terminal is given to the calling terminal of the receiving side that the communication company makes a call with the call terminal possessed by the customer who requested the payment of the communication fee through the financial institution (that is, the receiving side of the telephone call). Preferably, at least one of a telephone number, a device unique number, a device manufacturer name, a device manufacturing date, a device model name, and the like is included. If the USIM chip is provided in the customer communication terminal, at least one or more of the USIM chip is provided. It is preferable that the information is further included.

The receiving customer communication charge information includes a financial transaction amount corresponding to the communication charges withdrawn from the communication charge settlement account for processing of communication charges by a gift (or payment) for the communication charges between the customers. The receiving customer communication fee does not exceed the balance (or withdrawable amount) deposited in the communication fee payment account.

In addition, the receiving customer communication fee is characterized in that the communication fee including the communication charges imposed on the customer communication terminal does not exceed the balance (or withdrawable amount) deposited in the communication fee payment account, if insufficient The remaining balance (or withdrawable amount) deposited in the direct debit account may further include priority information such as withdrawing the receiving customer communication fee first or withdrawing the communication fee first.

Subsequently, the settlement processing server 700 corresponds to the communication fee settlement request information including at least one of the received communication company information, customer communication terminal unique information, receiving side customer information, and communication fee information. A two-way direct debit account corresponding to the information is identified (820).

The communication fee payment account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the communication fee according to the intention of the skilled person) Customer Information File (CIF) number corresponding to the payment account), financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact person information (e.g., the communication fee payment account) It may include at least one or more) and the name of the person responsible for opening and in charge.

If the two-way direct debit account corresponding to the received communication charge settlement request information is not confirmed (825), the settlement processing server 700 confirms the communication charge settlement account corresponding to the received communication charge settlement request information. After generating (or extracting) information including the error information (830) and transmitting the generated error information to the communication company server (755) (835), the subsequent process is not executed.

On the other hand, when the two-way direct debit account corresponding to the received communication fee settlement request information is confirmed (825), the settlement processing server 700 calculates the amount to be withdrawn from the confirmed communication fee payment account (840) In operation 845, the calculated amount is withdrawn from the account ledger corresponding to the communication fee payment account.

According to the embodiment of the present invention, the withdrawal of the customer communication fee withdrawal from the communication fee payment account from the account ledger corresponding to the communication fee payment account confirmed based on the received communication fee settlement request information in connection with the financial system It is preferable to withdraw the amount of money corresponding to the receiving customer communication fee.

According to another exemplary embodiment of the present invention, the withdrawal of the receiving customer communication fee from the communication fee payment account is performed by the account ledger corresponding to the communication fee payment account information included in the communication fee settlement request information in association with the financial system. It is preferable to withdraw the amount of money corresponding to the receiving customer communication fee.

According to an embodiment of the present invention, the communication fee processing withdrawn from the communication bill payment account is preferably the deposit processing of the amount withdrawn to the communication company financial account.

According to another exemplary embodiment of the present invention, the communication charge processing withdrawn from the communication charge settlement account is preferably to separately deposit the respective amount of the withdrawal amount to the telecommunications company financial account.

According to another exemplary embodiment of the present invention, the communication charge processing withdrawn from the communication charge payment account deposits the amount to be processed to the payment account for the receiving communication terminal in response to the unique information of the receiving communication terminal. Preferably, the payment account for the receiving communication terminal is confirmed in connection with the financial system or in conjunction with the communication company server 755.

Here, when processing a communication fee settlement by a gift (or payment) for the communication fee between customers, the calculated incentive may be applied in advance and then settled or paid after the settlement process. This is not limited.

Thereafter, the settlement processing server 700 setstles the communication fee for the withdrawn money (850), and stores the settlement processing details in the storage medium 750 shown in FIG. 7 (855).

According to the implementation method of the present invention, the settlement processing server 700 may provide an incentive to the communication fee settlement process, by which the present invention is not limited.

Here, the incentive is a communication fee discount on a communication fee paid by the customer through the communication fee payment account, or a cash deposit to the communication fee payment account (or a financial account in the customer's name), or to the customer. It is preferable to provide points or preferential interest benefits for financial products to which the customer has subscribed (or newly signed up).

According to the method of the present invention, the calculation of the incentive to be provided to the customer having the communication bill payment account, it is preferable to calculate a certain amount as an incentive according to the number of the customer communication fee withdrawal through the communication bill payment account. Do.

According to another exemplary embodiment of the present invention, the incentive calculation to be provided to the customer having the communication fee payment account includes a predetermined amount (for example, 1% of the communication fee) for the communication fee withdrawn through the communication fee payment account. It is preferable to calculate incentives.

According to another embodiment of the present invention, the incentive calculation to be provided to the customer having the communication bill payment account, when the initial communication fee is withdrawn through the communication bill payment account, corresponding to a certain amount (or corresponding to the communication fee) It is desirable to calculate a certain amount) as an incentive.

According to the present invention, there is an advantage that the communication fee for the target customer to make a telephone call in accordance with the customer's needs can be used as a gift present at the request of the customer.

For example, during a telephone call between a parent and a child, if a parent requests a gift of the communication fee so that the child can pay the phone charge for the call made by the child, the child pays a separate communication fee when the child calls the parent. There is an advantage that does not need to.

According to the present invention, when requesting a communication fee present, in the case of not a customer of a financial institution, by opening and processing a new account, there is an advantage that it can be secured as a new customer.

Claims (4)

A method of processing a second customer to present a communication fee of a first customer to the first customer in a financial institution server, Receiving from the terminal of the first customer a first customer mobile number and a second customer mobile number to request payment of the communication fee of the first customer mobile phone; Transmitting communication charge present request information for the first customer mobile phone to a second customer mobile phone; Receiving an approval message for approving the communication charge present request including second customer information from the second customer mobile phone; Checking whether a communication fee payment account under the name of the second customer is opened in the financial ledger included in the financial company server through the second customer information; If the communication fee payment account of the second customer is not opened in the financial ledger, opening an online blind new account of the second customer's name through the second customer information; Setting the online hidden account as a communication fee payment account of the second customer, and registering the first customer mobile phone number in the online hidden account; Receiving the first customer mobile phone number and communication charge information of the first customer mobile phone from a communication company server of the first customer mobile phone before the communication fee payment date of the first customer mobile phone; Comparing the received first customer mobile phone number with the first customer mobile phone number registered in the online customer's new account of the second customer and confirming that they match; And If the first customer mobile phone number matches, the first customer mobile phone is charged to the first customer mobile phone while the call is connected from the first customer mobile phone to the second customer mobile phone from the second communication fee payment account. And withdrawing the communication fee to be paid at the communication fee of the first customer. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. A system included in a financial institution server for processing a second customer to present the communication fee of the first customer to the first customer, Number receiving means for receiving from the terminal of the first customer a first customer mobile phone number and a second customer mobile phone number to request payment of the communication fee of the first customer mobile phone; Authorization processing means for transmitting the communication fee present request information for the first customer mobile phone to the second customer mobile phone, and receiving an approval message for approving the communication charge present request including the second customer information from the second customer mobile phone. ; Check whether the communication fee payment account under the name of the second customer is opened in the financial ledger included in the financial company server through the second customer information, and the communication fee payment account of the second customer is not opened in the financial ledger. Account opening means for opening an online pseudo-news account in the second customer's name through the second customer information; Information storage means for setting the online hidden account as a communication fee payment account of the second customer and registering the first customer mobile phone number in the online hidden account; Information receiving means for receiving the first customer mobile phone number and communication charge information of the first customer mobile phone from a communication company server of the first customer mobile phone before the communication fee payment date of the first customer mobile phone; Information checking means for comparing the received first customer mobile phone number with a first customer mobile phone number registered in the online customer account of the second customer and confirming that they match; And If the first customer mobile phone number matches, the first customer mobile phone is charged to the first customer mobile phone while the call is connected from the first customer mobile phone to the second customer mobile phone from the second communication fee payment account. And processing the financial transaction processing means to withdraw the communication fee to be paid at the communication fee of the first customer.

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