KR100982293B1 - System and Method for Recharging Charge using Online Account and Recording Medium - Google Patents

Abstract

The present invention relates to a method and a system for charging change using an online account and a recording medium therefor, wherein the method for charging a change using the online account is based on a contract for charging a change of money between at least one merchant and a financial institution. Accordingly, a merchant account having a change deposit deposited in the financial institution is opened to be processed in connection with the merchant information and registered in the ledger, and the change is charged to the financial institution by a change request from the customer. The real account, the virtual account, the card, the account-is processed in association with the customer identification information-resident registration number, customer number, mobile number, card number-to be registered in the ledger, and the merchant information from the merchant terminal in the information receiving means; Wow change information and the customer identification information Receiving step, comparing the amount deposited in the merchant account associated with the merchant information and the change information in the deposit check means to confirm the change charge validity and when the change change validity, the change store in the change processing means And withdrawing the amount corresponding to the change from the account and charging (or depositing) the change corresponding to the customer identification information.

Online account, change

Description

System and Method for Recharging Charge using Online Account and Recording Medium}

FIG. 1 is a diagram illustrating a system configuration for withdrawing a change of money generated in response to a cash transaction in a store according to an embodiment of the present invention and paying it to a customer.

2 is a diagram illustrating an online account registration system according to an embodiment of the present invention.

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

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

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

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

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

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

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

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

11 is a view showing a change charging system configuration according to an embodiment of the present invention.

12 is a diagram illustrating an information processing process for changing change according to an embodiment of the present invention.

13 is a view showing a change in charging process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: charge processing server 105: ledger D / B

According to the present invention, a merchant account in which a change deposit is deposited in the financial institution is opened in accordance with a change in charge change service contract between at least one merchant and a financial institution, and is processed in connection with the merchant information and registered in the ledger. By applying for a change of change, the change of the change in the financial institution receiving means-online account, real account, virtual account, card, account-is processed in connection with customer identification information-resident registration number, customer number, mobile number, card number- Processing to be registered in the ledger, receiving the affiliated store information, change information, and the customer identification information from the affiliated store terminal in the information receiving unit; and depositing in the merchant account associated with the affiliated store information in the deposit checking unit; The charge change oil by comparing an amount with the change information Checking the sex and validating the change of the change, and withdrawing the amount corresponding to the change from the merchant account in the change processing means and charging (or depositing) the change in the change receiving means associated with the customer identification information. It relates to a method of charging change using an online account.

An object of the present invention for solving the above problems is, in accordance with the change of charge change service agreement between at least one merchant and a financial institution opened a merchant account with a change deposit deposited in the financial institution is processed in connection with the merchant information registered in the ledger The change is received by the customer to apply for the change of charge, the change of the charge to the financial institution-online account, real account, virtual account, card, account-this customer identification information-resident registration number, customer number, mobile number, card Registration means for processing association with the number-registered in the ledger, information receiving means for receiving the merchant information, change information and the customer identification information from a merchant terminal, and deposited in the merchant account associated with the merchant information The change of charge change is effective by comparing the amount of change with the change information Deposit checking means for confirming the change and the change of the change of charge change, withdrawal amount corresponding to the change from the merchant account to change (or deposit) with the change change means receiving means associated with the customer identification information; It is to provide a change system for charging money using an online account.

In the method of charging change using the online account according to the present invention, a merchant account in which a change deposit is deposited in the financial institution is opened in accordance with a change of charge service contract between at least one merchant and a financial institution in a registration unit, and the processing is linked with the merchant information. Is processed to be registered in the ledger, and the change is charged to the financial institution by the customer's application for change change-online account, real account, virtual account, card, account-this customer identification information-resident registration number, customer number, Processing to be associated with a mobile phone number and a card number-to be registered in the ledger; receiving the affiliated store information, change information, and the customer identification information from an affiliated store terminal in an information receiving unit; The amount deposited in the merchant account associated with the merchant information and Comparing the change information to confirm the change of the change of the change and when the change of the change of the charge change, withdraw the amount corresponding to the change from the merchant account in the change processing means is charged to the change receiving means associated with the customer identification information (Or deposit) characterized in that comprises a step.

On the other hand, the method of charging change using the online account according to the present invention, in the registration means, a merchant account in which a change deposit is deposited in the financial institution in accordance with the change service contract between at least one merchant and a financial institution is opened and the merchant information and The change is processed to be registered in the ledger and the change is charged to the financial institution by the customer's request to change the change-online account, real account, virtual account, card, account-the customer identification information-resident registration number, customer Processing associated with the number, mobile phone number, and card number-to be registered in the ledger; receiving the merchant information, change information, and the customer identification information from the merchant terminal in the information receiving means; and deposit confirmation means The amount deposited in the merchant account associated with the merchant information in Comparing the change information and confirming the change in the validity of the change of charging, and when the validity of the change in the charging, checking the real name of the online account associated with the customer identification information in the real name checking means, and in the change processing means When the real name of the online account is not confirmed, the amount corresponding to the change is withdrawn from the merchant account and charged to the online account through a charging method, or when the real name of the online account is verified, the change corresponding to the change from the merchant account. It is characterized in that it comprises a step of withdrawing money to the online account through a real account transfer method.

On the other hand, it includes a recording medium recording a program for executing the change method using the above-described online account.

On the other hand, the change account charging system using the online account according to the present invention, in accordance with the change charge service contract between at least one merchant and the financial institution is opened a merchant account with a change deposit deposited in the financial institution is processed in connection with the merchant information It is processed to be registered in the ledger, and the change of the change in which the change is charged to the financial institution by the customer's request to change the change-online account, real account, virtual account, card, account-this customer identification information-resident registration number, customer number, mobile phone Registration means for processing a number and card number in association with the ledger, information receiving means for receiving the merchant information, change information and the customer identification information from a merchant terminal, and the merchant associated with the merchant information. Compare the change information with the amount deposited in the account Deposit checking means for confirming the validity of the change of the change and when the change of the change of charge change, withdraw the amount corresponding to the change from the merchant account to change (or deposit) to the change change receiving means associated with the customer identification information It is characterized by comprising a means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. 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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram showing a system configuration for withdrawing a change of money generated in response to a cash transaction in a store according to an embodiment of the present invention from a store account and paying it to a customer.

In more detail, FIG. 1 illustrates a change corresponding to a cash transaction in a store having a merchant terminal including at least one credit authorization terminal (CAT), a point of sales (POS) terminal, a wired terminal, and a wireless terminal. Upon occurrence, the change is withdrawn from the merchant account and charged (or deposited) by means including at least one or more of an online account, a real account, a virtual account, and a customer card of the customer (hereinafter referred to as "change change means"). Or, the change is a system configuration for processing to convert to a value (or electronic money) to accumulate with the change card receiving means including at least one or more of the customer card, customer account, the general knowledge in the art If a person with a change, the change occurred in response to the cash transaction in the store by referring to and / or modifying the drawing 1 It will be possible to infer various implementation methods for the system configuration to withdraw the payment from the merchant account to the customer, but the present invention comprises all the implementation methods inferred, the technical only by the implementation method shown in Figure 1 Features are not limited.

In order to withdraw the change generated in response to the cash transaction in the store from the merchant account and to pay the customer, the store is characterized in that the affiliated merchant contract with a financial institution that provides the change service according to the present invention, thereby Merchants are characterized by opening a financial account (hereinafter referred to as "merchant account") in the name of the merchant at the financial institution, and depositing a certain amount of change deposit in the merchant account.

In addition, in order to withdraw the change generated in response to the cash transaction in at least one or more stores from the merchant account to pay the customer, the customer is characterized by applying for the change charging service to a financial institution that provides the change charging service.

According to an exemplary embodiment of the present invention, the customer opens (or registers) a change device including at least one online account, a real account, and a virtual account to which the change is to be charged (or deposited) in response to the change request. Or register an online account, a real account, or a virtual account that has been previously opened (or registered) with the customer as a change change receiving means to which the change is to be charged (or deposited). The customer account ledger corresponding to the account is provided in the ledger D / B 105 on the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, the customer is issued a change change receiving means including at least one prepaid card, a check card, or a debit card to which the change is to be charged (or deposited) in response to the change of charge application. Alternatively, it is preferable to register a prepaid card, a check card, and a debit card previously issued to the customer as a change change receiving means to which the change is charged (or deposited), and the customer card ledger corresponding to the prepaid card, check card, or debit card. Is provided in the ledger D / B 105 on the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, the customer has a change card receiving means including at least one or more customer card, the customer account to be credited with the value (or electronic money) corresponding to the change change in response to the change request It is preferable to register or register a customer card, a customer account, which is already registered to the customer, as a change change means for which a value (or electronic money) corresponding to the change is to be accumulated. The information ledger is provided in the ledger D / B 105 on the financial system provided in the financial institution.

Referring to FIG. 1, a system for withdrawing a change of money corresponding to a cash transaction in a store from a merchant account and paying the customer to the online account, the real account, or the virtual account among the merchant account and the change change receiving means of the customer is shown. Store the corresponding customer account ledger, the customer card ledger corresponding to the prepaid card, the debit card, the debit card, or the customer card for which the value (or electronic money) corresponding to the change is to be accumulated; and the additional information ledger corresponding to the customer account A merchant system including a financial system equipped with a ledger D / B 105, a credit authorization terminal (CAT), a point of sales (POS) terminal, a wired terminal, and a wireless terminal connected to a communication network. The terminal and when the change occurs in the merchant corresponding to the cash transaction, withdraw the change from the merchant account, the customer's online account, Charge (or deposit) with the change receiving means including at least one real account, virtual account, customer card, or the change is converted to value (or electronic money) to include at least one customer card, customer account Characterized in that it comprises a charging processing server 100 to process to earn as change change means.

Here, the detailed description of the configuration of the financial system will be described with reference to FIG. 2, and the detailed description of the financial system will be omitted for convenience of description.

The affiliated store terminal includes at least one credit authorization terminal (CAT), a point of sales (POS) terminal, a wired terminal, and a wireless terminal provided in the affiliated store so as to communicate with the charging processing server 100 through a communication network. It is characterized by including the above.

When the change occurs according to the cash transaction in the merchant, the merchant terminal generates change request information including the change information, customer identification information and merchant information to transmit to the charging processing server 100 through the communication network. It is done.

Here, the customer identification information preferably comprises at least one of the CIF information, the social security number of the customer, the wireless terminal information of the customer provided in the customer ledger corresponding to the customer using the merchant on the ledger on the financial system, Or it is preferable to include at least one or more customer account information, customer card information, customer account information, etc. corresponding to the change means according to the intention of the skilled person.

The communication network connecting the affiliated store terminal and the charging processing server 100 may include a value added network (VAN) or a wired / wireless communication network according to the type of the affiliated store terminal.

The charging processing server 100 receives the change request information including the change information, customer identification information and merchant information from the merchant terminal when the change corresponding to the cash transaction occurs in the merchant, and corresponds to the merchant information Confirm the change information receiving means corresponding to the merchant account and the customer identification information, and withdraws the change from the merchant account in connection with the financial system to at least one of the customer's online account, real account, virtual account, customer card Charge (or deposit) with the change of receiving means, or the change is converted to value (or electronic money) characterized in that the processing to accumulate as a change of receiving means including at least one customer card, customer account. .

Hereinafter, after the change receiving means is registered through a non-face-to-face channel (for example, online), the processing is performed so that the amount is charged by a charging method before real name verification, and the online account in which the amount is deposited by real account transfer after real name verification. It will be described in detail the technical features of the present invention through the implementation method.

2 is a diagram illustrating an online account registration system according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when a customer terminal 275 provides online account application information for registering an online account to a web server 200 through a communication network, the client terminal in the web server 200. A system configuration for providing an online account application information provided from 275 to an online account management server 240 provided in a financial institution to open and manage an online account corresponding to the online account application information. After the online account is opened in the form of a virtual account using a real account operated by a web server 200 management institution (or financial institution) as a parent account, the depositing procedure is performed by a prepaid card charging method before checking the real name of the online account. After the real name is confirmed, the real account method of depositing is carried out. Shows.

Those skilled in the art to which the present invention pertains, a virtual account form of using a real account that is operated in the web server 200 operating institution (or financial institution) by referring to and / or modifying the Figure 2 Although it is possible to infer an implementation method for the system for registering the various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

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

Referring to FIG. 2 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account operated by a management institution (or a financial institution) of the web server 200 may include: Access to the web server 200 (e.g., portal server, etc.) through a communication network, and verify the real name (e.g., financial real name under the Act on the Real-name Financial Transactions and Confidentiality Act and Concurrent Enforcement Decree (Presidential Decree 15744)). A client terminal (275) for requesting the registration (or opening) of the online account and providing the online account application information corresponding to the online account registration (or opening) to the web server 200, and the customer. An online account management server 2 connected to a terminal 275 through a communication network to receive online account application information from the customer terminal 275 and to provide the received online account application information to a financial institution. 40 to provide a web server 200, the web server 200 and the financial network is connected to receive the online account application information from the web server 200, based on the received online account application information It is provided with an online account management server 240 for processing and opening an online account corresponding to the online account application information in the customer's name with a new provision, and a financial system for operating the online account processed with the new provision.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system At least one interface module corresponding to a middleware platform and at least one of storing and managing information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. And a DBMS (DataBase Management System) including the database described above, wherein the financial transactions through the financial system are based on the law and the Concurrent Enforcement Decree of the Financial Account Name Transaction and Confidentiality (Presidential Decree No. 15744). Valid for real-name financial accounts corresponding to Is processed.

According to the implementation method of the present invention, the financial system is in accordance with the intention of a person skilled in the art, or the type (eg, commercial bank, savings bank, trust bank) of each financial institution provided with the financial system and the purpose and characteristics of the financial system. At least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), may be further included. If you have, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, the present invention is not limited thereby.

According to an exemplary embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal (not shown) and a financial network (for example, a branch network) provided at a branch (or a branch) of the financial institution. It is characterized in that connected through, through the counter terminal (not shown) provides a financial transaction service of the face-to-face manner for at least one financial transaction customer.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided at an institution (or other financial institution branch), or at least one financial terminal provided at a public place and connected through a financial network (for example, a CD common network). Provides a non-face-to-face financial transaction service to at least one financial transaction customer through the terminal.

In addition, the financial system is characterized in that associated with the Internet banking server (not shown), the network connected to the TCP / IP-based backbone network (eg, wired Internet, or IEEE 802.11x) through the Internet banking server (not shown) At least one client terminal (eg, a personal computer (PC) equipped with the wired Internet access and browsing function, or a laptop, connected to a wireless LAN, or an IEEE 802.16x-based portable Internet) A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop or mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a wireless banking server (not shown), a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE) through the wireless banking server (not shown) At least one wireless terminal (e.g., a personal communication system (PCS) equipped with a connection and browsing function for the mobile communication network) or a GSM (Global System) connected to an 802.16x-based portable Internet or a wireless data communication network based on DataTAC / Mobitex. for a mobile terminal, or a PDA (Personal Digital Assistant), a smart phone (Smart Phone), or telematics (Telematics, etc.) to provide at least one financial transaction service to the at least one financial transaction customer.

In addition, the financial system is characterized in that it is linked to an IC chip-based wireless banking server (not shown), and based on a wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server (not shown) At least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communications network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that it is associated with a telebanking server (not shown), the wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server (not shown) At least one wireless communication terminal (e.g., a PCS or GSM terminal) connected to at least one wired telephone terminal (e.g., a telephone) or a wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)); Or provide a non-face-to-face financial transaction services to at least one or more financial transaction customers (such as a smartphone).

In addition, the financial system is characterized in that associated with a home banking server (not shown), at least one or more home appliances (eg, digital TV connected to a home network) connected to a home network through the home banking server (not shown), Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

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

In accordance with the present invention, a customer registering an online account through an online channel may access the web server 200 through at least one or more customer terminals 275 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network. It receives various application services provided by the web server 200.

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

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a CDMA (Code Division Multiple Access) based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method, or Erricson's A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, and includes a personal communication system (PCS), a global system for mobile communications (GSM) terminal, or a personal digital cellular terminal connected to the CDMA-based mobile communication network. Personal Digital Cellular (PDC), or Personal Handyphone System (PHS) terminal, or Personal Digital Assistant (PDA), or Smart Phone, or Telematics, or the IEEE 802.16x based portable Internet A mobile Internet terminal connected to the wireless internet terminal or a wireless internet terminal connected to the DataTAC / Mobitex-based wireless data communication network. It is preferable to include at least one or more line data communication terminals.

The web server 200 is a customer terminal 275 including at least one of the wired terminal or the wireless terminal through the wired communication network or a wireless communication network, and a search service or at least one mini homepage. It is preferable to include a personalization service including a blog, a mail service, a messenger service, a portal server that provides various information providing services, or a search server.

According to the present invention, the web server 200 includes an online account application interface including at least one user interface for the customer to apply for the online account through the wired communication network or a communication network including a wireless communication network. The terminal 275 may be provided to the terminal 275. The client terminal 275 may input (or select) the online account application information through the online account application interface to provide a communication network including the wired network or a wireless communication network. Characterized in that the transmission to the web server 200 through.

To this end, the customer terminal 275 outputs the online account application interface provided from the web server 200, and inputs or selects at least one online account application information through the online account application interface to select the web server. It is preferable that a function configuration (for example, a browser program and communication function or a communication program and communication function communicating with the web server 200, etc.) for transmitting to the 200 be provided.

Those skilled in the art to which the present invention pertains output an online account application interface provided from the web server 200 as described above, and input at least one online account application information through the online account application interface. Since it is possible to easily infer the characteristics of the customer terminal 275 corresponding to at least one or more wired terminal or a wireless terminal to select and transmit to the web server 200, a detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, the web server 200 is characterized by comprising an interface unit 205 for connecting and managing a communication channel with the customer terminal 275 through the communication network.

According to an exemplary embodiment of the present invention, when the customer terminal 275 includes a wired communication network, a wired terminal connected to a wireless communication network, or a wireless terminal, the interface unit 205 may be connected to the wired network or the wireless network. Connect a communication channel with the customer terminal 275 based on a defined protocol stack, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 275. It is desirable to provide a communication interface.

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

Alternatively, when the customer terminal 275 is provided with a communication program provided by the web server 200, the interface unit 205 establishes a communication channel with the customer terminal 275 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the customer terminal 275, the interface unit 205 may use the customer terminal (based on the CDMA protocol). 275) and a web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) or communication for transmitting and receiving information using a WAP / ME protocol defined in the browser program. Provide an interface.

Referring to FIG. 2, the web server 200 is linked with the interface unit 205 when the customer terminal 275 accesses the web server 200 through the interface unit 205 or applies for an online account. Generate an online account request interface including at least one user interface for inputting (or selecting) and transmitting the online account request information from the client terminal 275 (or extracting from a web source D / B (not shown)). Interface provided to the customer terminal 275 and the interface unit 205 and the online unit input (or selected) to be transmitted through the online account application interface in the customer terminal 275 in conjunction with the interface unit 205 The information receiving unit 220 for receiving the account application information, and the information to provide the received online account application information to the online account management server 240 provided in the financial institution through the financial network Provided with a relay unit 230 is characterized in that formed.

In addition, the web server 200 is linked to the interface unit 205, at least one or more customer terminals 275, a search service including at least one or more information / content, or a personalized service including a mini homepage / blog, Or a web service unit 215 for providing a web-based service including at least one of a mail service, a messenger service, or various information providing services, and is commonly known in the art. In this case, the web server 200 will be familiar with how to provide the web-based service to at least one or more customer terminals 275 in order to perform a function of a portal server or a search server. Detailed description is omitted for convenience.

In addition, the web server 200 is applied for the online account received from the customer terminal 275 through the information receiving unit 220 for the post-management of the online account application information received through the information receiving unit 220. Information storage for storing online account issuance information including information or at least one or more online account information generated by the online account management server 240 based on the online account application information. And an online account issuance information, the online account security information received from the customer terminal 275, the provisional processing agreement information (or the provisional application information), and the virtual information. At least one or more account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is desirable.

The interface providing unit 210 corresponds to a functional configuration provided in the customer terminal 275 when the customer terminal 275 accesses the web server 200 through the interface unit 205 or applies for an online account. Input (or select) the online account application information to generate an online account application interface that can be transmitted to the web server 200 through the communication network, or extract it from a database (not shown), and extract the interface unit 205. ) Provides an online account application interface generated (or extracted from a web source D / B (not shown)) to the customer terminal 275 through the communication network.

Thereafter, the customer terminal 275 inputs (or selects) the online account application information based on the online account application interface, and transmits the input (or selected) online account application information through the web network to the web server ( 200).

According to an embodiment of the present invention, if the customer terminal 275 includes a wired terminal connected to a wired communication network, the interface providing unit 210 may be provided as a browser program or a communication program provided in the wired terminal. Create an online account request interface (or extract from a web source D / B (not shown)), and apply through the interface unit 205 the online account request generated (or extracted from a web source D / B (not shown)) It is preferable to provide an interface to the customer terminal 275.

According to another exemplary embodiment of the present invention, when the customer terminal 275 includes a wireless terminal connected to a wireless communication network, the interface providing unit 210 may be provided as a browser program or a communication program provided in the wireless terminal. An online account generated (or extracted from a web source D / B (not shown)) possible online account application interface and generated (or extracted from a web source D / B (not shown)) through the interface unit 205. It is preferable to provide an application interface to the customer terminal 275.

According to an embodiment of the present invention, the online account application interface may include an interface for selecting at least one or more online accounts to which the customer applies (or purchases) from at least one or more online accounts.

The online account application interface preferably includes an interface for confirming that the customer has confirmed detailed information about the online account.

In addition, the online account application interface, preferably outputs the terms and conditions information corresponding to the on-line account to the customer terminal 275, and comprises an interface that the customer agrees to the terms.

The online account application interface may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the online account, and a financial account for depositing (or transferring) the amount to the online account. It is preferable to include an interface for inputting information (for example, original account information for depositing an amount into an online account).

In addition, the online account application interface may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the online account, Or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 200.

Thereafter, the customer terminal 275 corresponds to online account selection information for selecting at least one online account to which the customer applies (or purchases) of the plurality of online accounts through the online account application interface, and the online account selection information. Input (or select) online account application information including at least one agreement agreement information, the online account deposit amount information, and at least one customer information of the online account application customer, and the web server 200 through the communication network. To send.

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

In addition, the online account security information further includes a personal identification number (PIN), or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 275, the customer terminal 275 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 200 through the communication network, or the online account application information further includes the online account security information, and the web through the communication network. Send to server 200.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by an encryption method and transmitted to the web server 200.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period during which the online account is processed and operated before the real name of the financial real name for the online account) is output to the customer terminal 275, and the customer passes the information on the new provisions and the trail. Preferably, the method further includes an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information or provisional application information for the customer applying for provisional processing for the online account.

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

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 275 is provided, the customer terminal 275 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 200 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 200 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account that uses a real account that operates the online account corresponding to the online account application information in the web server 200 management institution (or financial institution) as a parent account In order to register in the form of a virtual account processing information including the parent account management institution information including at least one or more of the web server 200 operating institution (or financial institution), and the parent account information to operate in the mother account operating institution It is preferable to further comprise an interface for inputting (or selecting) information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 275, the customer terminal 275 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) the virtual account processing information to the web server 200 through the communication network, or further includes the virtual account processing information in the online account application information. To the web server 200 through the communication network.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution through the customer terminal 275. It is preferable to further include an interface for outputting the financial transaction application terms information, and confirming that the customer has agreed to the financial transaction application terms, the interface may be omitted if the customer is a financial transaction customer of the financial institution. Or, according to the intention of the skilled person, the interface It may be included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified in.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer makes the financial transaction with the financial institution. The interface to be applied may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 275, the customer terminal 275 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server 200 through the communication network, or the financial account application information (not shown) is further included in the online account application information. In this figure, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below for convenience.

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (275). Non-face-to-face financial transaction terms and conditions for processing transactions (e.g. signing up for Internet banking) Non-face-to-face financial transaction agreement information, and the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer further comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account An interface for acquiring (or applying for) a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through the at least one non-face-to-face financial transaction channel when the non-face-to-face financial transaction authentication can be omitted. May be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided to the client terminal 275, the customer terminal 275 receives the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the online account application information, or transmitted to the web server 200 through the communication network.

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

The online account application information may include online account selection information for selecting at least one online account to which the customer applies (or purchases) among the plurality of online accounts, agreement information corresponding to the online account, and At least one online account deposit amount information is preferably included.

In addition, the customer terminal 275 inputs (or selects) online account security information through the online account application interface and transmits the information through the communication network, or the online terminal security information is transmitted from the customer terminal 275 to the online terminal. When the transmission is included in the account request information, the information receiver 220 receives the online account security information in conjunction with the interface unit 205, and relays the received online account security information to the information. The unit 230 or the information storage unit 225 is provided.

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

In addition, the customer terminal 275 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the online account application interface and transmits the information through the communication network, or the customer terminal ( In operation 275, the virtual account processing information is transmitted to the online account application information, and the information receiving unit 220 interworks with the interface unit 205 to include the mother account management institution information and the mother account information. And receiving the information, and providing the received virtual account processing information to the information relay 230 or the information storage 225.

In addition, the client terminal 275 inputs (or selects) financial transaction application information through the online account application interface and transmits the information through the communication network, or the financial terminal application information is transmitted online from the customer terminal 275. When the transmission is included in the account application information, the information receiver 220 receives the financial transaction application information in conjunction with the interface unit 205, and the received information on the financial transaction application information relay unit 230 to the information storage unit 225.

In addition, the customer terminal 275 inputs (or selects) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the online account application interface, and transmits the information through the communication network, or the customer terminal ( If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted to the online account application information at 275), the information receiving unit 220 interoperates with the interface unit 205 to transmit the non-face-to-face financial transaction agreement information. And receiving financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 230 or the information. The storage unit 225 is provided.

The information storage unit 225 stores the online account application information received through the information receiving unit 220 in the storage medium 235 including the online account issuing information, thereby storing the web server ( 200 (or the web server 200 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 235. .

When the online account security information is received through the information receiving unit 220, the information storage unit 225 stores the online account issuing information obtained by linking the online account security information to the online account request information in the storage medium 235. And the online account security information is used by the web server 200 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 220, the information storage unit 225 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuance information linked to the information in the storage medium 235, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 200 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 220, the information storage unit 225 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 235, the virtual account processing information is the financial real name of the online account in the web server 200 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on the virtual account that is the parent account operated by the web server 200 management institution (or financial institution) until confirmation.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 220, the information storage unit 225 may transmit the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 235, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored on the web. The server 200 (or the financial transaction server using the online account) provides a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 225 is the web server 200 (or the online) when the online account corresponding to the online account application information is opened by the online account management server 240 And store the online account information opened by the online account management server 240 in the online account issuing information in order to process at least one or more financial transactions using the online account in the financial transaction server using the account. It is preferable to replace the online account application information stored in the medium 235 or included in the online account issuance information with the online account information opened by the online account management server 240, thereby limiting the present invention. Not.

Here, the online account information may be stored in the online account number in the form of a virtual account number generated by the provisional opening unit 250 and the virtual account processing unit 255 of the online account management server 240 and the online account application information. It is preferable to include the account holder information corresponding to the included customer information, the web server 200 operating institution information and the financial institution information that the online account is opened.

The information relay unit 230 finances the online account application information received through the information receiver 220 to the online account (for example, an online account corresponding to the online account is opened) through a financial network. It is characterized in that the relay transmission to the online account management server 240 provided in the institution.

Here, the financial network connecting the web server 200 and the online account management server 240, a dedicated communication network to block access by a third party other than the web server 200 and the online account management server 240, Or a secure communication network (eg, the web server 200 encrypting the online account application information by an encryption method) to provide a secure communication function between the web server 200 and the online account management server 240. And a communication network for decrypting the online account application information through a decryption method corresponding to the encryption method in the online account management server 240).

When the online account security information is received through the information receiving unit 220, the information relay unit 230 corresponds to the online account through the financial network (for example, corresponding to the online account). It is characterized in that the relay transmission to the online account management server 240 provided in the financial institution that the online account is opened, whereby the online account management server 240 is connected to the financial system provided in the financial institution to the web server ( In step 200, an online account for processing a financial transaction is established through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 220, the information relay unit 230 transmits the provisional processing agreement information (or provisional application information) to the financial network. It is characterized in that the transmission through the online account management server 240 provided in the financial institution corresponding to the online account (for example, the online account corresponding to the online account is opened) through which the online account management server ( In step 240, a financial system provided at the financial institution opens an online account corresponding to the online account application information.

When the financial transaction application information is received through the information receiver 220, the information relay unit 230 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 240 provided in the financial institution that the online account is opened), whereby the online account management server 240 is a customer of the conventional account of the financial institution If not, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 220, the information relay unit 230 corresponds to the online account through the financial network to the virtual account processing information. It is characterized in that the relay transmission to the online account management server 240 provided in the financial institution (for example, an online account corresponding to the online account is opened), whereby the online account management server 240 is the financial institution An online account corresponding to the online account application information is opened in a financial system provided in the form of a virtual account having a real account operated by the web server 200 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 220, the information relay unit 230 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the online account management server 240 provided at a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through a financial network. By doing so, the online account management server 240 opens an online account in the financial system provided in the financial institution in a non-face-to-face manner for the financial transaction using the online account in the web server 200.

According to another exemplary embodiment of the present invention, when the online account management server 240 is provided with a web server 200 function or the online account management server 240 is a banking server, the information relay unit 230 is provided. By linking and relaying the customer terminal 275 and the online account management server 240, the online account application server (75) from the customer terminal (275) in the online account management server 240 Online account for receiving information (or new application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) It is possible to relay to provide the application interface directly, whereby the online account management server 240 is the on-line from the customer terminal 275 through a communication network; Account application information (or provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions) It is possible to directly receive the application information)), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server 200 and the online account management server 240 may be relayed between the web server 200 and the online account management server 240, or A relay server (not shown) relays a web server 200 and at least one online account management server 240 or relays at least one web server 200 and at least one online account management server 240. It is possible to be further provided, whereby the present invention is not limited.

Referring to FIG. 2, the online account management server 240 may be configured to provide online account application information (or provisional processing agreement information (or provisional application information), or online) provided from the web server 200 through the financial network. An information receiver 245 for receiving account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); and the information in connection with a financial system. The provisional opening section 250 for opening a new online account corresponding to the online account application information received through the receiving section 245 and the online account opened with the new provision are stored in the web server 200. Or a virtual account processing unit 255 for processing a real account operated by a financial institution in the form of a virtual account and the online account of the virtual account type. Real name verification to check whether the real name of the financial transaction application customer is verified within the real name verification period for the new account management section 260 and the online account opened in response to the online account application information When the real name of the online account opened as a new provision is confirmed in response to the online account application information, the new account processing unit 270 to process the new online account as a new financial account. It characterized by comprising a.

The information receiving unit 245 is online account application information (or false new processing agreement information (or false new application information), online account security information, or financial transaction application provided from the web server 200 through the financial network) Information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receives the received online account application information (or false transaction processing information (or trail). Rule application information), or online account security information, financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) to the provisional section 250. to provide.

According to one embodiment of the present invention, the online account application information (or the provisional processing agreement information (or the provisional application information), the online account security information, or the financial transaction application information, or the virtual information provided from the web server 200) When the account processing information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is encrypted, the information receiving unit 245 the encrypted online account application information (or the provisional processing agreement information (or the provisional provision) Application information), or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Do.

The new provision establishment unit 250 is the online account application information (or the new provision processing agreement information (or new provision application information), or online account security information, from the web server 200 through the information receiving unit 245, Or if the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided, the online account application information (or the provisional processing agreement information (or the new provision) Application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Information (or false processing information) (or false application information), online account security information, or financial transaction application information, or virtual account processing information. Or a non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the new provision establishment unit 250 is the online account application information (or false provisions processing consent information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information, or Opening a new online account corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a new basis is based on the online account application information (or false information on the ledger D / B provided on the financial system). Customer corresponding to processing agreement information (or new application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Ledger (can be omitted if the customer ledger is already registered), or at least one online account ledger (eg, the number corresponding to the online account application information It characterized by comprising the registering the director).

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

According to another embodiment of the present invention, the online ledger for the online account corresponding to the online account application information is in the form of an account ledger corresponding to a virtual account associated with a parent account based on the online account application information. It is preferable to register with the ledger D / B, wherein the mother account is registered with the ledger D / B on the financial system in order to register the customer financial account or the online account, which is already opened in the ledger D / B on the financial system. It is possible to include at least one or more of the above-described financial institution account, thereby the present invention is not limited.

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

However, it is possible to deposit an amount (or deposit amount) into the online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 250 is the online account application information (or provisional processing agreement information (or new provision application information), or online account security information, or financial transaction received through the web server 200) Open the online account in connection with the external system or information system provided in the financial system based on the application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A procedure (for example, a procedure of registering an online ledger) is performed, and the result is provided to the virtual account processor 255.

Those skilled in the art to which the present invention pertains, detailed procedures for opening the online account (e.g., registering an online ledger) by the provisional opening unit 250 in conjunction with the financial system. Since it will be understood, detailed description thereof will be omitted for convenience.

The virtual account processing unit 255 is a parent account operating the online account (or online account ledger) opened by the provisional opening section 250 in the web server 200 operating institution (or financial institution) It is characterized in that the processing into a virtual account.

According to the method of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 200 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable to be processed in the form of a virtual account having a real account operated by the web server 200 management institution (or financial institution) before the real name verification for the online account. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 200 operating institution (or financial institution) as the parent account is the web. The server 200 may include virtual account ledger information (for example, ledger information including an account number conforming to the virtual account numbering system) using a real account operated by a management institution (or a financial institution) in this case. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

Subsequently, the new provision management unit 260 uses the online account opened as the new provision as a real account operated by the web server 200 operation institution (or financial institution) until the real name confirmation for the online account application customer is made. It is characterized by operating by processing to a virtual account.

According to the method of the present invention, when the amount of money is deposited (or transferred) into the online account through the financial system, the provisional management unit 260 processes the deposit amount into the virtual account (eg And depositing the deposit amount into a real account corresponding to the parent account of the virtual account.

Also, when the amount of money is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 260 processes the withdrawal amount to withdraw the amount deposited in the virtual account (eg, the Withdrawal processing the withdrawal amount from a real account corresponding to a mother account of a virtual account).

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the provisional management unit 260 operates the interest in the web server 200 operation institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form of the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 200 operating institution (or financial institution) as a parent account, the new provision management unit 260 finances the online account until the real name is verified. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 265 is the law and concurrent orders on the financial real name transaction and confidentiality while the online account opened by the new provision establishment unit 250 is managed by the new provision management unit 260 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within the real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 265 confirms the real name of the online account application customer for the online account through a financial transaction system through a window terminal (not shown) associated with the financial system. It is advisable to check whether

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

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 265 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is preferable to confirm whether the real name of the online account applicant is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking or home banking or TV banking customer corresponding to the financial institution. (Eg, when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 265 performs a certificate-based real name verification procedure defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 265 is provided in the financial system (or equipped with a financial institution) in order to confirm the real name for the customer applying for the online account within the real name verification period It is desirable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using the function.

Alternatively, the real name verification unit 265 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within the real name verification period. Therefore, it is preferable to periodically request the online account applicant to perform the real name verification procedure for the online account.

Or, if the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 265 to verify the real name for the online account application customer within the real name verification period, the online account application A window terminal (not shown) based financial transaction corresponding to the financial institution, or a financial terminal based financial transaction including a CD / ATM, or an internet banking based financial transaction, or a wireless banking based financial transaction, or a telebanking based financial transaction. During a transaction, or a home banking based financial transaction, or a TV banking based financial transaction, it is desirable to request the online account applying customer to perform a real name verification procedure for the online account in connection with the financial transaction system.

If the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 265 generates the real name verification information for the online account request customer and provides it to the new account processing unit 270.

Or, if the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 265 generates unidentified name information for the online account request customer to provide to the new account processor 270 do.

When real name verification information is provided from the real name verification unit 265, the real name confirmation information including the confirmed name of the customer for the online account application within the real name verification period, the new account processing unit 270 is connected to the financial system The on-line account processed by the new provision opening unit 250 or the new provision management unit 260 as a new provision is characterized in that it is processed as a valid new financial account.

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

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 270 It is preferable to unlock the online account in connection with the external system or the information system provided in the financial system, whereby the online account processed as the new provision is treated as a valid new financial account capable of all financial transactions. do.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account and has a withdrawal prevention function. In the case of the transfer, the new account processing unit 270 returns (or re-transfers) the amount deposited in the withdrawal prevention virtual account to the online account in connection with the external system or the information system provided in the financial system, Or removing (or erasing) the withdrawal prevention virtual account, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When the amount is deposited (or deposited) into the online account processed as the virtual account equipped with the withdrawal prevention function by the account, the new account processing unit 270 is an external system or information system provided in the financial system. Canceling the withdrawal prevention function of the online account processed with the virtual account equipped with the withdrawal prevention function, and providing (or erasing) the virtual account function associated with the new account processing mother account to process the online account; Preferably, the online account with which the bank account has been newly processed is processed into a valid new financial account for all financial transactions. .

According to the method of the present invention, when the new account processing unit 270 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 245 may set the online account opening date to the web server 200. From the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non It is preferable to apply retrospectively to any one of the date of receiving the face-to-face financial transaction application information)) or the date of opening the online account on the financial system.

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

In more detail, Figure 3 shows the actual account of the operating institution (or financial institution) of the web server 200 in the ledger information stored in the ledger D / B (300) provided in the DBMS on the financial system shown in Figure 2 It is shown that the online account ledger information is stored in the virtual account ledger as a parent account according to the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the present invention. Various information configuration methods for storing online account ledger information according to the virtual account ledger information in a virtual account ledger having a real account of the web server 200 operating institution (or a financial institution) in the ledger D / B It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

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

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account associated with a mother account which is a real account of the operating institution (or financial institution) of the web server 200 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 200 operating institution (or financial institution) stores the customer information of the web server 200 operating institution (or financial institution), the customer of the financial transaction, as shown in Figure 2 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account that is a real account of the web server 200 operating institution (or financial institution).

Here, the web server 200 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is If the customer ledger of the customer who opens the online account is already provided in the ledger D / B 300 as a conventional financial transaction customer of a financial institution, the online account customer ledger uses the customer ledger of the customer as it is. desirable.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 200 management institution (or financial institution) is relationally linked with the customer ledger of the web server 200 management institution (or financial institution). The at least one financial account of the financial account of the web server 200 operating institution (or financial institution) corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is desirable to.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 2 among the account ledgers of the web server 200 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger is a parent account of a virtual account corresponding to the online account registered through the online account registration system shown in FIG. 2 among at least one financial account corresponding to the web server 200 operating institution (or financial institution). Characterized in that connected to the account ledger corresponding to the relational account, the virtual account ledger information includes the information consisting of the mother account number and the mother account management institution information in addition to the basic account ledger information, such as the account ledger; Characterized in that made.

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

Those skilled in the art to which the present invention pertains, the virtual account ledger information configuration associated with the account ledger of the web server 200 management institution (or financial institution) based on the basic account ledger information configuration, and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

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

In more detail, FIG. 4 shows an online account ledger stored in the ledger D / B 400 provided in the DBMS on the financial system shown in FIG. 2 through the virtual account processing information. Shows an information structure for linking a real account of a financial institution) in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention belongs, will refer to and / or modify this drawing 4 to the ledger. It may be possible to infer various information formation methods linking the online account ledger to the D / B through the virtual account processing information in the form of a virtual account of the real account of the management institution (or financial institution) of the web server 200. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account associated with a mother account which is a real account of the operating institution (or financial institution) of the web server 200 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 200 operating institution (or financial institution) stores the customer information of the web server 200 operating institution (or financial institution), the customer of the financial transaction, as shown in Figure 2 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account that is a real account of the web server 200 operating institution (or financial institution).

Here, the web server 200 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is If the customer ledger of the customer who opens the online account is already provided in the ledger D / B 400 as a conventional financial transaction customer of a financial institution, the online account customer ledger uses the customer ledger of the customer as it is. desirable.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 200 management institution (or financial institution) is relationally linked with the customer ledger of the web server 200 management institution (or financial institution). The at least one financial account of the financial account of the management institution (or financial institution) of the web server 200 may be transferred to a mother account for processing the registered online account as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 2 among the account ledgers of the web server 200 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the management server (or financial institution) of the web server 200. By including the virtual account processing information including at least one parent account number corresponding to the parent account, and at least one of the parent account operating institution information (for example, Web server 200 management institution (or financial institution) information), The online account is processed as a virtual account of the financial account of the web server 200 management institution (or financial institution) as a parent account, wherein the virtual account processing information is registered in the online account shown in FIG. It is desirable to match the online account application information and the virtual account processing information received from the customer terminal 275 on the system.

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

The mother account number of the virtual account processing information is a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the name of the web server 200 operating institution (or financial institution). It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 200 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are linked to the account ledger of the web server 200 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

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

In more detail, FIG. 5 illustrates the online account ledger stored in the ledger D / B 500 provided in the DBMS on the financial system shown in FIG. 2, through the virtual account processing information as shown in FIG. Server 200 is connected to a real account of the operating institution (or financial institution) in the form of a virtual account, and the information structure for further processing the association information processing for the new account processing to the online account ledger As one of ordinary skill in the art to which the present invention pertains, the web server 200 is operated through the virtual account processing information of the online account ledger in the ledger D / B by referring to and / or modifying the drawing 5. It would be possible to infer a variety of information organization method to process the real account of the institution (or financial institution) in the form of a virtual account with a new account, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 5 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, ledger, loan Ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system 500 further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.), or at least one additional information 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 it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

According to an embodiment of the present invention, the online account registration in the form of a virtual account associated with a mother account which is a real account of the operating institution (or financial institution) of the web server 200 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 200 operating institution (or financial institution) stores the customer information of the web server 200 operating institution (or financial institution), the customer of the financial transaction, as shown in Figure 2 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account that is a real account of the web server 200 operating institution (or financial institution).

Here, the web server 200 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B 500 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, 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, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 200 management institution (or financial institution) is relationally linked with the customer ledger of the web server 200 management institution (or financial institution). The at least one financial account of the financial account of the management institution (or financial institution) of the web server 200 may be transferred to a mother account for processing the registered online account as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 2 among the account ledgers of the web server 200 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the management server (or financial institution) of the web server 200. By including the virtual account processing information including at least one or more of the parent account number corresponding to the parent account, and the mother account operating institution information (for example, Web server 200 management institution (or financial institution) information) as the additional information, Characterized in that the online account is processed as a virtual account of the financial account of the management institution (or financial institution) of the web server 200, wherein the virtual account processing information is the online account registration system shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 275 of the merchant.

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

The mother account number of the virtual account processing information is a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the name of the web server 200 operating institution (or financial institution). It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 200 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are linked to the account ledger of the web server 200 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 2 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes provisional processing information as additional information.

In the online account management server 240 illustrated in FIG. 2, the provisional opening unit 250 or the provisional opening management unit 260 is connected to an external system or information system provided in the financial system to the online account. Generating false information processing information including at least one of a corresponding virtual account number (or online account number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification predecessor; Preferably, the information is linked and stored as additional information corresponding to the online ledger, and the provisional processing information is the online account application information received from the customer terminal 275 on the online account registration system shown in FIG. It is desirable to generate based on the new processing agreement information (or new application information).

However, in the case where the online account ledger is provided in the form of a virtual account, as shown in FIG. 2, the provisional processing agreement information (or provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

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

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (500), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

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

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

The deposit before the real name verification of the provisional processing information is deposited from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. If the amount is deposited into the online account, the deposit before real name verification is matched with the account balance of the online ledger.

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

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

In more detail, in FIG. 6, when the web server 200 illustrated in FIG. 2 provides an online account request interface to the customer terminal 275, the customer terminal 275 provides an online account through the online account request interface. An online account management server provided with the application information (or selected) and provided to the web server 200 through a communication network, and the web server 200 provides the online account application information to the financial institution through a financial network ( 240, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to the client terminal 275 through the web server 200. It may be inferred various implementation methods for providing the online account application information to the online account management server 240, but the present invention includes all the inferred implementation methods, It not limited by the exemplary method shown in figure 6.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 275 to the web server 200. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the online account request interface provided by the web server 200 to the customer terminal 275, the customer terminal 275, in addition to the online account application information, the new provision processing agreement information (or the new application information), or online It is possible to infer an implementation method of providing account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). At 275 the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or Account management information, or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention belongs, the web server 200 corresponding to the security function provided in the financial network connecting the web server 200 and the online account management server 240 The online account application information (or false transaction processing information (or false provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face) Financial transaction application information)) and transmits it, and the online account management server 240 transmits the online account application information (or false new processing agreement information (or false new application information), online account security information, or financial transaction). It is possible to infer an implementation method of decrypting application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). However, the present invention includes the above-mentioned inferred method, and the present invention is not limited thereto.

Referring to FIG. 6, the customer terminal 275 illustrated in FIG. 2 connects to the web server 200 through a communication network including at least one wired or wireless communication network (600), and the web server ( At least one web-based service provided by 200 is used (605). At this time, the web-based service screen provided by the web server 200 to the customer terminal 275 may be applied to the online account application for the online account application. Preferably, a menu interface for requesting an interface is included.

Thus, while the web server 200 provides at least one web-based service to the customer terminal 275 as described above, the online account application interface is used to register the online account from the customer terminal 275. Periodically check whether the account request interface is requested (610), if the online account request interface is requested from the customer terminal (275) (615), the web server 200 to provide to the customer terminal (275). An online account application interface is generated (or extracted from a web source D / B (not shown)) (620), and the online account application interface is provided to the mobile terminal through the communication network (625).

Thereafter, the customer terminal 275 inputs (or selects) online account application information through the online account application interface (630), and the online account application information is at least one online application that the customer applies (or purchases). At least one online account selection information for selecting an account, agreement agreement information corresponding to the online account, the online account deposit amount information, and customer information for the online account applicant is preferably included.

When the online account application information is input (or selected) as described above, the customer terminal 275 transmits the online account application information to the web server 200 through the communication network (635).

According to an embodiment of the present invention, the online account application interface may include an account password for an online account corresponding to the online account application information, or a financial transaction password for processing at least one or more non-face-to-face financial transactions through the online account. And an interface for inputting (or selecting) online account security information including at least one or more of the like.

In addition, the online account security information further includes a personal identification number (PIN), or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 275, the customer terminal 275 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 200 through the communication network, or the online account application information further includes the online account security information, and the Send to the web server 200.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by an encryption method and transmitted to the web server 200.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period during which the online account is processed and operated before the real name of the financial real name for the online account) is output to the customer terminal 275, and the customer passes the information on the new provisions and the trail. And an interface for inputting (or selecting) false provisional processing consent information for agreeing to the provisional processing period information or provisional provisional application information for which the customer applies for provisional processing for the online account.

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

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 275 is provided, the customer terminal 275 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 200 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 200 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account that uses a real account that operates the online account corresponding to the online account application information in the web server 200 management institution (or financial institution) as a parent account In order to register in the form of a virtual account processing information including the parent account management institution information including at least one or more of the web server 200 operating institution (or financial institution), and the parent account information to operate in the mother account operating institution It is preferable to include an interface for inputting (or selecting) information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 275, the customer terminal 275 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) the virtual account processing information to the web server 200 through the communication network, or further includes the virtual account processing information in the online account application information. To the web server 200 through the communication network.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution through the customer terminal 275. And an interface for outputting financial transaction application terms information and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 275, the customer terminal 275 inputs (or selects) the financial transaction application information through the interface, and then, Transmitting the input (or selected) financial transaction application information to the web server 200 through the communication network, or further including the financial transaction application information in the online account application information, the web server 200 through the communication network To send).

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (275). Non-face-to-face financial transaction terms and conditions for processing transactions (e.g. signing up for Internet banking) Non-face-to-face financial transaction agreement information, or the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account An interface for acquiring (or applying for) a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through the at least one non-face-to-face financial transaction channel when the non-face-to-face financial transaction authentication can be omitted. May be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided to the client terminal 275, the customer terminal 275 receives the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the online account application information, or transmitted to the web server 200 through the communication network.

Then, the web server 200 is the online account application information (or the provisional processing agreement information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information, or non-face-to-face) The financial transaction agreement information (or non-face-to-face financial transaction application information) is received and stored in the storage medium 235 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 235 may include the web server 200 (or the web server 200 operator) and the online account management server 240. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 200 transmits the online account application information to the online account management server 240 through a financial network (645), and the online account management server 240 transmits the web through the financial network. The online account application information provided from the server 200 is received (650).

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

In more detail, in FIG. 7, when the web server 200 illustrated in FIG. 2 provides an online account application interface to the customer terminal 275, the customer terminal 275 may be online through the online account application interface. Input (or select) and encrypt account application information to provide to the web server 200 through a communication network, and decrypt the online account application information in the web server 200 to obtain the online account application information through a financial network. The process of providing to the online account management server 240 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify the present Figure 7 to the customer terminal ( In 275, various implementation methods for providing the online account application information to the online account management server 240 through the web server 200 may be inferred. The invention encompasses all of the inferred practice methods and is not limited by the practice method shown in FIG.

For example, in FIG. 7, the customer terminal 275 is illustrated to provide only the online account application information to the web server 200. However, if the user has ordinary knowledge in the art to which the present invention pertains, In response to the online account request interface provided by the web server 200 to the customer terminal 275, the customer terminal 275, in addition to the online account application information, the new provision processing agreement information (or the new application information), or online It is possible to infer an implementation method of providing account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). At 275 the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual An implementation method of providing account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention belongs, the web server 200 corresponding to the security function provided in the financial network connecting the web server 200 and the online account management server 240 The online account application information (or false transaction processing information (or false provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face) Financial transaction application information)) and transmits it, and the online account management server 240 transmits the online account application information (or false new processing agreement information (or false new application information), online account security information, or financial transaction). It is possible to infer an implementation method of decrypting application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). However, the present invention includes the above-mentioned inferred method, and the present invention is not limited thereto.

Referring to FIG. 7, the customer terminal 275 illustrated in FIG. 2 connects to the web server 200 through a communication network including at least one or more wired communication networks or a wireless communication network (700), and the web server ( At least one web-based service provided by 200 is used (705). At this time, the web-based service screen provided by the web server 200 to the customer terminal 275 may be applied to the online account application for the online account application. It is preferable to include a menu interface for requesting an interface.

Thus, while the web server 200 provides at least one web-based service to the customer terminal 275 as described above, the online account application interface is used to register the online account from the customer terminal 275. Periodically check whether the account request interface is requested (710), if the online account request interface is requested from the customer terminal (275) (715), the web server 200 is the online account request interface with a security function Generate (or extract from a web source D / B (not shown)) 720, and provide the online account application interface to the mobile terminal through the communication network 725.

Here, the security function provided in the online account request interface, a function of encrypting the online account application information input (or selected) from the customer terminal (275), or the electronic account of the customer in the online account application information; It comprises at least one function for attaching a signature, preferably in the form of a security program in conjunction with the online account application interface, wherein the security program is at least one or more encryption for encrypting the online account application information It is preferable to comprise a key.

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

Thereafter, the customer terminal 275 inputs (or selects) online account application information through the online account application interface (730), and the online account application information is at least one online application that the customer applies (or purchases). At least one online account selection information for selecting an account, agreement agreement information corresponding to the online account, the online account deposit amount information, and customer information for the online account applicant is preferably included.

When the online account application information is input (or selected) as described above, the customer terminal 275 encrypts the online account application information according to an encryption method through a security function provided in the online account application interface (or the online). Attach the electronic signature of the customer to the account application information) (735), and transmits the encrypted online account application information to the web server 200 via the communication network (740).

According to an embodiment of the present invention, the online account application interface may include an account password for an online account corresponding to the online account application information, or a financial transaction password for processing at least one or more non-face-to-face financial transactions through the online account. And an interface for inputting (or selecting) online account security information including at least one or more of the like.

In addition, the online account security information further includes a personal identification number (PIN), or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 275, the customer terminal 275 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 200 through the communication network, or the online account application information further includes the online account security information, and the web through the communication network. Send to server 200.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by an encryption method and transmitted to the web server 200.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period during which the online account is processed and operated before the real name of the financial real name for the online account) is output to the customer terminal 275, and the customer passes the information on the new provisions and the trail. And an interface for inputting (or selecting) false provisional processing consent information for agreeing to the provisional processing period information or provisional provisional application information for which the customer applies for provisional processing for the online account.

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

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 275 is provided, the customer terminal 275 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 200 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 200 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account that uses a real account that operates the online account corresponding to the online account application information in the web server 200 management institution (or financial institution) as a parent account In order to register in the form of a virtual account processing information including the parent account management institution information including at least one or more of the web server 200 operating institution (or financial institution), and the parent account information to operate in the mother account operating institution It is preferable to include an interface for inputting (or selecting) information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 275, the customer terminal 275 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) the virtual account processing information to the web server 200 through the communication network, or further includes the virtual account processing information in the online account application information. To the web server 200 through the communication network.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution through the customer terminal 275. And an interface for outputting financial transaction application terms information and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 275, the customer terminal 275 inputs (or selects) the financial transaction application information through the interface, and then, Transmitting the input (or selected) financial transaction application information to the web server 200 through the communication network, or further including the financial transaction application information in the online account application information, the web server 200 through the communication network To send).

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (275). Non-face-to-face financial transaction terms and conditions for processing transactions (e.g. signing up for Internet banking) Non-face-to-face financial transaction agreement information, or the like, and the customer agrees to the non-face-to-face financial transaction agreement information, or the like, or the wireless banking subscription agreement information, or the TV banking subscription agreement information, or the home banking subscription agreement information. It is preferable that the customer comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account If non-face-to-face financial transaction authentication is omitted, the customer agrees to (or applies for) a face-to-face financial transaction to process at least one non-face-to-face financial transaction with the financial institution through at least one or more face-to-face financial transaction channels. The interface can be omitted, whereby the present invention is not limited.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is provided to the client terminal 275, the customer terminal 275 receives the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the online account application information, or transmitted to the web server 200 through the communication network.

The web server 200 receiving the encrypted online account request information through the communication network decrypts the online account request information by a decryption method corresponding to the encryption method (745), and the decrypted online account request information ( Or the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). In operation 740, the storage medium 235 is stored.

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 235 may include the web server 200 (or the web server 200 operator) and the online account management server 240. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 200 transmits the online account application information to the online account management server 240 through a financial network (745), and the online account management server 240 transmits the web through the financial network. The online account application information provided from the server 200 is received (750).

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

In more detail, in FIG. 8, the online account management server 240 shown in FIG. 2 opens an online account based on the online account application information provided from the web server 200, and the online account is stored in the web server ( 200) a process of processing a real account operated by a management institution (or a financial institution) into a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to FIG. 8 and / or Based on the online account application information provided to the online account management server 240 shown in FIG. 2, a real account for operating an online account in the web server 200 management institution (or financial institution) is used as a parent account. Various implementation methods for processing with virtual accounts may be inferred, but the present invention includes all of the inferred implementation methods, thereby limiting the invention. It does.

For example, in FIG. 8, only the online account application information is provided from the web server 200 to the online account management server 240. However, the present invention may be applied to those skilled in the art. In addition to the online account application information, the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction). Application information) and the like may be inferred to be provided to the online account management server 240, but the present invention may provide the provisional processing agreement information (or new application information) to the online account management server 240. , Or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 8, the online account management server 240 shown in FIG. 2 is referred to as " server " for convenience.

Referring to FIG. 8, through the process shown in FIG. 6 or FIG. 7, the online account application information (or a new processing agreement information (or a new application) from the web server 200 shown in FIG. 2 to the server is shown. Information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). (Or false transaction processing information (or false application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) Read (800) to see if it is possible to open the online account.

If the online account cannot be opened based on the online account application information (805), the server generates the account opening error information and provides it to the web server 200 (810), the web server 200 In step 815, the account opening error information is transmitted to the customer terminal 275 through a communication network, thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (805), the server processes the online account corresponding to the online account application information on the financial system in a blind manner in association with the financial system. In operation 825, the online account is processed as a virtual account in which the online account is operated by the web server 200 operating institution (or financial institution) as a parent account in connection with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the management institution (or financial institution) of the web server 200 to the provisional processing information added to the online account ledger as shown in FIG. By adding a mother account number, a virtual account whose mother account is a real account which operates the ledger corresponding to the online account opened by the provisional opening section 250 in the web server 200 management institution (or financial institution). It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account in the online ledger, a parent account manager information and a mother account information corresponding to the mother account to be linked with the online account as shown in FIG. By managing the virtual account processing information including a relational relation, the ledger corresponding to the online account opened by the new establishment section 250 to operate in the web server 200 operating institution (or financial institution) It is preferable to treat the real account as a virtual account having the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the online account opened by) into a virtual account whose parent account is the real account operated by the web server 200 operation institution (or financial institution).

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

In more detail, FIG. 9 illustrates a real account operated by a management institution (or a financial institution) of the web server 200 through the process shown in FIG. 8 through the online account registration system shown in FIG. A process of performing a real name verification process for an online account processed as a virtual account to process a new financial account. Specifically, the real name verification expiration date is automatically extended so that at least one financial transaction through the online account is required without real name verification. It is about the implementation method to provide a continuous.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to a virtual account that uses a real account operated by the web server 200 management institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the online account management server 240 on the online account registration system shown in FIG. 2 is referred to as " server " for convenience.

Referring to FIG. 9, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Response) Make (900).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

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

If the real name verification period for the online account has not elapsed in correspondence with the online account application information (915), the server is a virtual account that uses a real account managed by a management institution (or financial institution) of the web server 200 as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (915), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (920), to continuously provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the real account operated by the management institution (or financial institution) of the web server 200, the mother account The online account processed in the form of a virtual account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 200 operation institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server deletes the new transaction information or the virtual account processing information added to the online account ledger to process the online account as a new financial account whose real name is verified. desirable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 200 management institution (or a financial institution) as the new financial account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby providing the online account. Is preferably treated as a new financial account whose real name is identified.

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

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

More specifically, FIG. 10 illustrates a real account operated by a management institution (or a financial institution) of the web server 200 through the process shown in FIG. 8 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it into a new financial account. The present invention relates to a method of retrieving a financial account (or another online account) transferred to an online account and dormant processing of the online account.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to a virtual account that uses a real account operated by the web server 200 operation institution (or financial institution) as a parent account. Various implementation methods for confirming the real name of the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

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

Referring to FIG. 10, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Correspondingly) (1000).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account applicant is not confirmed (1005), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (1010). .

If the real name verification period for the online account has not elapsed in response to the online account application information (1015), the server is a virtual account that uses a real account managed by a management institution (or financial institution) of the web server 200 as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1015), the server, in conjunction with the financial system, the amount of money deposited in the online account corresponding to the online account application information in the original account ( For example, in response to the online account application information, an investment amount (or a deposit amount) is returned to the online account as a financial account), and the online account is processed as a dormant account in response to the online account application information (1020).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1005), the server is linked with the financial system, the real account operated by the web server 200 operating institution (or financial institution) mother account The online account processed in the form of a virtual account is returned to the original online account (1025), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (1030).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 200 operation institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server deletes the new transaction information or the virtual account processing information added to the online account ledger to process the online account as a new financial account whose real name is verified. desirable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 200 management institution (or a financial institution) as the new financial account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby providing the online account. Is preferably treated as a new financial account whose real name is identified.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (1035).

11 is a view showing a change charging system configuration according to an embodiment of the present invention.

In more detail, in FIG. 11, in the system shown in FIG. 1, when the change receiving means is an online account of the customer registered through the online account registration system shown in FIG. 2, the merchant terminal shown in FIG. When the change change request information including the change information, the customer identification information and the merchant information is generated and transmitted, the change account for the merchant account associated with the merchant information and the change means receiving information associated with the customer identification information After checking the corresponding online account information, withdraw the amount corresponding to the change from the merchant account in connection with the financial system, and charge the withdrawn amount to the online account according to whether the online account name is verified; or The system configuration for deposit processing, Those skilled in the art will be able to infer various implementation methods for the change charging system configuration by referring to and / or modifying the drawing 11, but the present invention provides all the implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the embodiment shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 so that the change receiving means is in addition to the online account registered through the online account registration system shown in FIG. A real account and virtual account of the customer using the merchant, or a customer card including a prepaid card, a check card, or a debit card of the customer using the merchant, or a customer account that accumulates value (or electronic money) for the customer using the merchant. It will be apparent that the implementation method including the present invention is not limited thereto.

Hereinafter, in FIG. 11, after checking the online account information corresponding to the change account receiving means information linked to the merchant account and the customer identification information linked to the merchant information in the change account system, the merchant account is linked to the financial system. At least one or more means for withdrawing the amount corresponding to the change from the charge and recharging the withdrawn amount to the online account or processing the deposit according to whether or not the online name is verified. Although referred to as "charging processing server 1100," the present invention is not limited thereto, and the charging processing server 1100 is implemented as at least two or more servers (or devices) for each functional configuration, or to the financial institution It is possible to be provided in the form of a program implemented in a pre-installed server (or device) It is clear that it is.

Referring to FIG. 11, the change charging system includes a merchant account in which a change deposit of the merchant is deposited as shown in FIG. 1, and an online account registered through the online account registration system shown in FIG. A financial system equipped with a ledger D / B (1145), a credit authorization terminal (CAT), a point of sales (POS) terminal, and a wired terminal. A merchant terminal including at least one wireless terminal, and online account information corresponding to the merchant account associated with the merchant information and the change means for receiving change associated with the customer identification information when a change is generated corresponding to a cash transaction at the merchant; After confirming that, in connection with the financial system to obtain the amount corresponding to the change from the merchant account , And the withdrawal amount in accordance with whether the confirmation of the on-line real name account characterized in that formed by treatment with a charging server 1100 to charge, or a depositing process by the online account.

The affiliated store terminal includes at least one credit authorization terminal (CAT), a point of sales (POS) terminal, a wired terminal, and a wireless terminal provided in the affiliated store so as to communicate with the charging processing server 1100 through a communication network. It is characterized by including the above.

When the change occurs in the merchant according to the cash transaction, the merchant terminal generates change request information including the change information, customer identification information and merchant information to transmit to the charging processing server 1100 through the communication network. It is done.

Here, the customer identification information preferably comprises at least one of the CIF information, the social security number of the customer, the wireless terminal information of the customer provided in the customer ledger corresponding to the customer using the merchant on the ledger on the financial system, Alternatively, according to the intention of the person skilled in the art, it is possible to include the online account information registered through the online account registration system shown in Figure 2, whereby the present invention is not limited.

The financial system includes a customer ledger corresponding to the affiliated store and a merchant ledger corresponding to an affiliated store account in which the change deposit is deposited. And a ledger D / B 1145, comprising a customer account ledger including an online account ledger registered through a registered online account registration system.

Here, the customer ledger used by the affiliated customer uses at least one of CIF information, social security number, and wireless terminal information corresponding to the customer identification information, or the additional information associated with the customer ledger. It is preferably implemented in ledger form.

The communication network connecting the affiliated store terminal and the charging processing server 1100 may include a value added network (VAN) or a wired / wireless communication network according to the type of the affiliated store terminal.

According to the present invention, the charging processing server 1100 is a merchant D / B for storing and processing the affiliated store information and the merchant account information in which the change deposit is deposited according to the affiliated store partnership between the merchant and the financial institution ( 1135 or in connection with a network.

Herein, the affiliated store information may include information matching the affiliated store information transmitted by the affiliated store terminal provided in the affiliated store in the change charge request information, and the change store charge request information transmitted from the affiliated store terminal. When the affiliated store account information is previously included, the affiliated store D / B 1135 may be omitted, and the present invention is not limited thereto.

According to the present invention, the charging processing server 1100 receives customer identification information corresponding to the merchant using customer who applied for the change charging service and change (opened) registered with the financial institution by applying the change charging service. It is characterized in that it comprises a customer D / B (1140) for storing in association with the change information receiving means including the online account information corresponding to the means, or is made in conjunction through a network.

Referring to FIG. 11, the charging processing server 1100 receives the change charging request information including the change information, the customer identification information, and the merchant information from the merchant terminal through a communication network (or an information receiving unit). Means) and, upon receiving the change of charge request information, confirms merchant account information corresponding to the merchant information in association with the affiliated store D / B 1135 and identifies the customer in association with the customer D / B 1140. An information checking unit 1110 (or information checking means) for confirming online account information corresponding to the change information receiving means information associated with the information, and when checking the merchant account information, the information is deposited in the merchant account in association with the financial system; The balance of the change deposit may be withdrawn by comparing the change amount corresponding to the change information and the change amount. Is a deposit confirmation unit 1120 (or deposit confirmation means) for confirming that the amount and the online account information (e.g. change information receiving means), when the real name of the online account is confirmed in connection with the financial system If the real name verification unit 1125 (or real name verification means) to check and withdraw the amount corresponding to the change from the merchant account in connection with the financial system, and the real name of the online account is not confirmed as a result of the real name verification, A change processing unit for processing the withdrawal amount to be charged to the online account through a charging method, and if the real name of the online account is confirmed, to process the withdrawal amount to be deposited into the online account through a real account transfer method ( 1130) (or change change means), characterized in that the change change ( Is one characterized by having made a payment) information transmitting unit 1115 for transmission to the merchant terminal via a communication network to generate charging process change information including a history (or information transmission means).

When the merchant terminal generates and transmits the change request information including the change information, the customer identification information, and the merchant information, the information receiver 1105 receives the change information, the customer identification information, and the affiliate store from the merchant terminal through a communication network. Characterized in that it receives the change request information including the information.

According to another exemplary embodiment of the present invention, the affiliated store terminal may directly include the affiliated store account information instead of the affiliated store information in the change request information, and thus the present invention is not limited thereto.

When the change request information is received by the information receiving unit 1105, the information checking unit 1110 checks affiliate store account information corresponding to the affiliate store information in connection with the affiliated store D / B 1135. It is done.

According to another embodiment of the present invention, when the change request information directly includes the merchant account information instead of the merchant information, the information checking unit 1110 is associated with the affiliated store D / B 1135 the affiliated store Checking the account information may be omitted.

In addition, the information checking unit 1110 checks the online account information (eg, change receiving means information) corresponding to the customer identification information in connection with the customer D / B 1140.

According to another exemplary embodiment of the present invention, the information checking unit 1110 may check other customer account information, customer card information, or customer account information corresponding to the change change means instead of the online account information. The present invention is not limited thereby.

When the merchant account information is confirmed by the information checking unit 1110, the deposit checking unit 1120 compares the amount of change corresponding to the change deposit deposited in the merchant account with the amount of change information in connection with the financial system. Characterized in that the balance of the change deposit includes the amount to withdraw the change.

When the online account information (eg, change of receiving means information) is confirmed by the information checking unit 1110, the real name checking unit 1125 checks whether the real name of the online account is confirmed in association with the financial system. According to the intention of the skilled person, the real name verification unit 1125 may check whether the real name of the online account is confirmed in connection with the online account management server illustrated in FIG. 2.

According to another embodiment of the present invention, when the information confirming unit 1110 confirms other change information (eg, other customer account information, customer card information, or customer account information, etc.) in addition to the online account information The real name checking function of the real name checking unit 1125 may be omitted, and the present invention is not limited thereto.

The change processor 1130 may withdraw the amount corresponding to the change from the merchant account in connection with the financial system.

When the withdrawal of the change from the merchant account, if the real name of the online account is confirmed by the real name verification unit 1125 unidentified, the change processing unit 1130 to the withdrawal amount to the online account through a charging method Characterized in that the real name of the online account is already confirmed, the change processing unit 1130 is characterized in that the withdrawal amount is processed to be deposited into the online account through a real account transfer method It is done.

According to another embodiment of the present invention, when the change receiving means includes customer card information in addition to the online account information, the change processing unit 1130 directly charges the amount withdrawn from the merchant account to the customer card, Alternatively, it is preferable to transfer the funds to a financial account linked to the customer card.

According to another embodiment of the present invention, when the change receiving means includes customer account information in addition to the online account information, the change processing unit 1130 may have a value (or electronic money) corresponding to the amount withdrawn from the merchant account. ) And accumulate (or charge) the calculated value (or electronic money) to the customer account.

After charging (or depositing) the change into the online account (eg, change receiving means), the information transmitting unit 1115 generates the change charging processing information including the change of charge change (or deposit) details and establishes a communication network. Characterized in that the transmission to the merchant terminal through.

12 is a diagram illustrating an information processing procedure for changing the change according to the embodiment of the present invention.

In more detail, FIG. 12 is a merchant terminal shown in FIG. 1 when the change receiving means is an online account of the customer registered through the online account registration system shown in FIG. 2 in the system shown in FIG. In the case of generating and transmitting change request information including the change information, customer identification information and merchant information, the change account information associated with the merchant account and the customer identification information associated with the merchant information in the change account Regarding the process of confirming the online account information corresponding to the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 12 and various modifications of the information processing process for changing the change It would be possible to infer a method of implementation, but the present invention is directed to all It is made, including the method when, to which the technical feature that is not limited to the exemplary method shown in the figure 12.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 so that the change receiving means is in addition to the online account registered through the online account registration system shown in FIG. A real account and virtual account of the customer using the merchant, or a customer card including a prepaid card, a check card, or a debit card of the customer using the merchant, or a customer account that accumulates value (or electronic money) for the merchant using the customer. It will be apparent that the implementation method including the present invention is not limited thereto.

In the following Figure 12, the charging processing server 1100 on the change charging system shown in Figure 11 is referred to as " server " for convenience.

Referring to FIG. 12, the merchant terminal inputs change information and customer identification information through a key input unit for the change charging service (1200).

Here, the customer identification information preferably comprises at least one of the CIF information, the social security number of the customer, the wireless terminal information of the customer provided in the customer ledger corresponding to the customer using the merchant on the ledger on the financial system, Alternatively, according to the intention of the person skilled in the art, it is possible to include the online account information registered through the online account registration system shown in Figure 2, whereby the present invention is not limited.

If the change information and customer identification information are input (1205), the merchant terminal generates change charge request information including the change information, customer identification information and the merchant information (1210), and the generated change charge request The information is transmitted to the server through a communication network (1215).

According to another exemplary embodiment of the present invention, the affiliated store terminal may directly include the affiliated store account information instead of the affiliated store information in the change request information, and thus the present invention is not limited thereto.

Thereafter, the server checks affiliate store account information corresponding to the affiliate store information included in the change request information in association with the affiliate store D / B 1135 (1220).

According to another embodiment of the present invention, when the change request information directly includes the merchant account information instead of the merchant information, the server checks the merchant account information in association with the merchant D / B 1135. May be omitted.

Thereafter, the server compares the change amount deposited in the merchant account with the amount corresponding to the change information in connection with the financial system to determine whether the balance of the change amount includes the amount to withdraw the change. Validate the filling (or deposit) (1225).

If the change (or deposit) validity is not confirmed (1230), the server generates change change processing information including the change (or deposit) error information and transmits to the affiliated store terminal through the communication network (1235). In response thereto, the affiliated store terminal outputs change charging (or depositing) error information included in the change charging processing information (1240).

On the other hand, if the change (or deposit) validity is confirmed (1230), the server checks the online account information corresponding to the customer identification information (for example, change information receiving means) in conjunction with the customer D / B (1140) (1245).

If the online account information corresponding to the customer identification information (for example, change of receiving means information) is not confirmed (for example, when the merchant user does not apply for the change charging service) (1250), the server changes the change. The change charging process information including charging (or deposit) error information is generated and transmitted to the merchant terminal through a communication network (1235), and correspondingly, the merchant terminal charges (or deposits) included in the change charging process information. ) Error information is output (1240).

On the other hand, if the online account information (eg, change of receiving means information) corresponding to the customer identification information is confirmed (for example, when the customer using the merchant applied for the change charging service) (1250), the server is shown in FIG. Carry out the charging process.

13 is a view showing a change in charging process according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates that the merchant account information in which the change deposit is deposited and the online account information corresponding to the change receiving means are identified through the information processing process shown in FIG. The present invention relates to a process of withdrawing an amount corresponding to the change from the merchant account in connection with a system, and charging or depositing the withdrawn amount to the online account according to whether the online account is verified. Those skilled in the art will be able to infer various implementation methods for the change filling process by referring to and / or modifying the drawing 13, but the present invention includes all the implementation methods inferred above. And the technical features only by the embodiment shown in FIG. It is not limited.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 so that the change receiving means is in addition to the online account registered through the online account registration system shown in FIG. A real account and virtual account of the customer using the merchant, or a customer card including a prepaid card, a check card, or a debit card of the customer using the merchant, or a customer account that accumulates value (or electronic money) for the merchant using the customer. It will be apparent that the implementation method including the present invention is not limited thereto.

Hereinafter, in FIG. 13, the charging processing server 1100 on the change charging system shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIG. 13, when the merchant account information in which the change deposit is deposited and the online account information corresponding to the change change receiving means are confirmed through the information processing process shown in FIG. Alternatively, in connection with the online account management server illustrated in FIG.

According to another embodiment of the present invention, when the information confirming unit 1110 confirms other change information (eg, other customer account information, customer card information, or customer account information, etc.) in addition to the online account information The real name verification process may be omitted, and the present invention is not limited thereto.

If it is confirmed that the real name of the online account is unidentified (1305), the server processes withdrawal of the amount corresponding to the change from the merchant account in connection with the financial system to be charged to the online account through a charging method. (1310).

On the other hand, if it is confirmed that the real name of the online account has already been confirmed (1305), the server withdraws the amount corresponding to the change from the merchant account in connection with the financial system and deposits it into the online account through a real account transfer method. The process is processed (1320).

According to another embodiment of the present invention, when the change receiving means includes customer card information in addition to the online account information, the server directly charges the amount withdrawn from the merchant account to the customer card or the customer card. It is advisable to deposit and transfer to a financial account linked to.

According to another embodiment of the present invention, when the change receiving means includes customer account information in addition to the online account information, the server calculates a value (or electronic money) corresponding to the amount withdrawn from the merchant account. It is preferable to accumulate (or charge) the calculated value (or electronic money) to the customer account.

If the amount corresponding to the change withdrawn from the merchant account is charged to the online account through the charging method (1315), or deposited into the online account through the real account transfer method (1325), the server The change charging processing information including the change charging (or deposit) history is generated and transmitted to the affiliated store terminal through a communication network (1330), and correspondingly, the affiliated store terminal changes the charged change (or included in the change charging processing information). Deposit) the details (1335).

According to the present invention, when a change occurs in a store corresponding to a cash transaction, the change is withdrawn from a merchant account corresponding to the store and charged (or deposited) to a customer's online account, real account, virtual account, or customer card, Alternatively, the change can be converted into value (or electronic money) and accumulated in the customer card and the customer account, which has the advantage of not having to deal with a heavy and inconvenient coin after a cash transaction.

According to the present invention, the change generated in response to a cash transaction in a store is charged (or deposited) to a customer's online account, real account, virtual account, or customer card, or the change is converted into value (or electronic money) By saving the customer card, the customer account, there is an advantage of reducing the cost consumed to produce coins.

Claims (4)

delete In the method of paying change through the online account at the financial institution server, Opening a non-real-name pseudonym online account in the name of the financial institution through the communication network without checking the customer's real name, including customer identification information selected by the customer (including any one of a resident registration number, a customer number, a mobile phone number, and a card number); Connecting the opened online account information and the customer identification information selected by the customer and storing the online account information in the ledger of the financial institution; Receiving change information from the merchant terminal and change information including the change amount subtracted from the amount paid by the customer to the merchant and change request information including the customer identification information; Comparing the change amount deposited with the change amount deposited in the merchant account corresponding to the merchant information and checking whether the amount corresponding to the change information can be paid through the change amount; Checking the online account and customer card information associated with the customer identification information when payment of the amount corresponding to the change information is possible; When the online account is a change means for receiving change, confirming whether a real name of the online account is confirmed through a teller terminal; When it is confirmed that the real name of the online account is unidentified, the amount corresponding to the change information is withdrawn from the change deposit deposited in the merchant account and charged to the online account, and when the real name of the online account is confirmed, the affiliate store Withdrawing the amount corresponding to the change information from the change deposit deposited in the account and transferring it to the online account; And When the customer card is a change means for receiving change, withdraw the amount corresponding to the change information from the change deposit deposited in the merchant account and change the charge directly to the customer card, characterized in that the change made Charging method. A computer-readable recording medium recording a program for executing the method of claim 2. Opening means for opening a non-real name new online account in the name of the financial institution through the communication network without checking the customer's real name through the customer identification information selected by the customer (including any one of a resident registration number, a customer number, a mobile phone number, and a card number); Registration means for connecting the opened online account information and the customer identification information selected by the customer to store in the ledger; Information receiving means for receiving change information from the merchant terminal, the change information including the change amount subtracted from the amount paid by the customer to the merchant, and the change request information including the customer identification information; Deposit checking means for comparing the change amount deposited with the change account deposited in the merchant account corresponding to the affiliated store information with the change information to check whether the amount corresponding to the change information can be paid through the change amount; Real name checking means for checking an online account associated with the customer identification information and checking whether a real name of the online account is confirmed through a counter terminal when payment of the amount corresponding to the change information is possible; And When it is confirmed that the real name of the online account is unidentified, the amount corresponding to the change information is withdrawn from the change deposit deposited in the merchant account and charged to the online account, and when the real name of the online account is confirmed, the affiliate store A change processing means for withdrawing the amount corresponding to the change information from the change deposit deposited in the account and transferring it to the online account; The change processing means, when the change of the customer receiving means of the customer card, withdraws the amount corresponding to the change information from the change deposit deposited in the merchant account to charge the online account directly to the customer card Used change filling system.

Images